March 2014 | Mortgages.ca

When is Mortgage Loan Insurance Required?

March 31, 2014 / Posted By James Harrison

Mortgage Loan Insurance is a Canadian program, implemented as a requirement associated with mortgage loans when the down payment is less than 20% of the total cost of the home. Read More…

Mortgages.ca

5.0

Joy Varrasso

00:34 02 Jun 20

I have known James for a long time and decided to use his service when my husband and I were shopping around for rates. We have used him 3 times now. We don’t go back because I’ve known him since elementary school. We go back because he has always found the best rates, his knowledge, his exceptional customer service and his team. We appreciate him as a professional and a friend. I highly recommend mortgages.ca!read more

Nadiia Kachynska

14:51 20 May 20

Exceptional communication and support! The team of professionals who can work with any type of clients, and very accommodating for first time buyers needs. They guided us throughout the process explaining every step and detail we were desperately missing knowledge about. Highly recommended!read more

Scott Veber

17:26 02 May 20

James and his team are friendly, informative and responsive. This is the second time we have used James' services and it has been great. Both times we have gotten a fantastic rate, and this time when we broke our existing mortgage he was able to reduce it more then 5 times lower then the provider had offered. Thanks so much James to you and your team!read more

Sachin Kumar

14:01 01 May 20

James helped us in finding the best deal for our mortgage. The closing was smooth and hassle free. His team helped us in collating all the required documents and presenting the file to the lender on time. He also assisted us with a lot of our queries promptly with patience and compassion. We really appreciate the service that we received through them and would strongly recommend Mortgages.ca to everyone, especially who wish to buy their first home in Canada.read more

Erica Vella

21:05 28 Apr 20

James Harrison and his team made our mortgage financing easy. We were given an incredible rate and were very pleased with how smoothly everything went. James was knowledgeable. He provided us with a number of options and his expert opinion was very helpful in locking down a plan that would be best for our family. We recommend his services and will definitely be contacting him in future.read more

D ario

12:21 17 Apr 20

Exceptional to work worth. James and his team go above and beyond to get you the best rate in the market. They are always responding immediately, concisely, and with value-added information. Have worked with them twice now and would use them again, as well as recommend them to anyone and everyone who's looking for an honest, quality mortgage broker.read more

Geoff Lynch

15:52 27 Mar 20

I was very pleased with the professionalism and results of working with Steve Harrison. He was available as I needed to work through all the details of a new mortgage and the options that were available to me. His advice gave me confidence as I went through the house purchasing process. I would recommend him for your mortgage needs.read more

Debbie Russell

17:30 25 Feb 20

It was a pleasure working with Scott. I had a short time frame to work with and Scott worked very diligently to gather the required information and submit my application. He was also a very effective communicator and keep me informed and updated every step of the way. I highly recommend Scott.read more

Siva Rama Krishna Pingali

03:47 24 Feb 20

Thank you James and team for providing exceptional service. You explained all the process clearly and answered all our questions as first time home buyers in a timely manner. The rate and plan offered was one of the best in the market. Overall we were very happy to have worked with you for our mortgage requirement. Thank you.read more

Kiran K

19:53 31 Jan 20

James and Scott played a significant role in helping us to secure the mortgage and buy our first home in Canada. Being first time home buyer, sometimes the process can be overwhelming but you made it extremely easy for us and answered all our questions along the process. The level of professionalism, client driven attitude, response speed, approachability you demonstrated is undoubtedly remarkable. Your support, coordination, and guidance throughout the process was invaluable. My wife and I express our deepest appreciation to both of you in making our dream come true!read more

Justin Woodward

20:08 15 Jan 20

As a first time home buyer the entire process can seem pretty intimidating. Scott walked me through every step of the way and made sure that he explained exactly what he was doing, what was required, why this was needed... he even offered tips and help with steps outside of the mortgage process and made me feel comfortable with every part of the purchase. I would recommend his services to anybody. Thanks again Scottread more

Denis Café

00:31 08 Jan 20

Scott accomplished nothing short of a miracle by finding me a great lender and a great rate. My situation was very difficult and no other broker was able to help. The type of service that Scott provided me with, will never be forgotten. He worked diligently to make sure I was able to secure a mortgage on time and, in more than one occasion, went well past office hours to make sure it happened. I will always come to him and will recommend him to anyone that required these services. Thank you so much, for everything!read more

Tashi Palden

03:31 17 Dec 19

We were recommended by one of our friends to James and we couldn't be happier that we decided to contact him. Being a first time home buyer, we had mountain of questions and he was always there to answer all of them deligently. He was very professional and prompt to answer all your inquiries. We are very satisfied with this five star service and would highly recommend to anyone. Thanks to his amazing team as well who helped us through out the whole process.read more

Ted Strong

21:01 09 Dec 19

Scott made the process of first time home buying easy. He answered all of my questions (there were many), and assisted me in narrowing down to a mortgage I am very happy with. I would definitly recommend him to anyone in need of a mortgage broker.read more

Ross K-J

14:10 07 Dec 19

I recommend James and Motrgages.ca to all my clients. Their service is professional, honest and response time impeccable. My clients have always reported that they receive fantastic service and great rates. Its been 5 years since I last reviewed James and his team and nothing has changed except to say their service has improved.read more

Andy Macdonald

01:46 07 Dec 19

After being left high and dry by my previous lender just a couple of weeks before close I contacted James. He worked so fast and connected me with a lender in a matter of days. He was a life-saver! And I ended up with a much better rate! This guy is magic! I will recommend him forever!read more

Emily P

01:39 06 Dec 19

James helped us navigate the entire mortgage process. As first-time home buyers, we had a lot to learn. He was also really helpful in sorting through and solving some issues as we neared our close date. Would definitely recommend!read more

Riley Brown

14:18 25 Nov 19

James was incredibly helpful and responsive throughout the entire process. The knowledge and experience that James and his team have is unparalleled in the mortgage industry. Every person from mortgages.ca that we dealt with was polite, professional and eager to help us and answer any questions we had. Do yourself a favour and reduce the stress associated with purchasing real estate by using James and his team. You will certainly be happy that you did.read more

Kevin Yu

17:54 01 Nov 19

I've been using James for many years and have to say that his level of customer service and mortgage knowledge is what's making me come back. I always feel at ease working with James as I know the deal will get done. Excellent job as always James and I'm lucky to have a mortgage broker like you!read more

Katherina Radcliffe

14:14 03 Oct 19

We feel very lucky to have been able to work with Steve at Mortgages.ca to secure our mortgage. Steve was always available to answer questions (and believe me, we had lots!). He made the application process smooth and stress free and took the time to meet with us in person to go over every single detail before we signed, which we really appreciated. Great customer service. 5 stars!read more

Kevin Zhang

13:37 18 Sep 19

Great experience working with James Harrison. Buying first home is stressful enough. Its good to have professionals on your side that help you go through all the necessary steps of getting the mortgage done.read more

Kristin Speth

19:44 16 Sep 19

Working with James was a great experience. He really cared about finding us the best deal and as we were signing the papers got us something even better. He genuinely cares about his clients.read more

Svetlana Kostyrko

00:41 23 Aug 19

We worked with James and he helped us to get amazing percents with 5 years closed in one of the top5 Canadian Banks despite we were new immigrants and had only 5% downpayment and were already rejected by TD Bank before we came to James. Even the Bank employee was shocked when we came to brunch meeting: he said that the Bank didn't offer such low percents these days. James is really a magician and we are so happy and grateful. Thank you again, James. It was a great pleasure to work with Mortgages.caread more

Sherwyn Maramot

00:14 18 Aug 19

Absolutely brilliant! Never knew getting a mortgage is that easy. James and team made our first time homebuyer experience a memorable one!!read more

Lauren Pelley

18:58 06 Aug 19

We've had a great experience working with James and the Mortgages.ca team for more than a year now, including securing a mortgage for our first home. On top of that, the team alerted us to other great opportunities, such as a program to complete our home renovations and later helped us lower our interest rate. We highly recommend the broker route for anyone buying a home!read more

DeeptiSiddharth M

23:21 02 Aug 19

It was a pleasure to have Steve and Zayna to help us out with our mortgage needs. We not only needed a good rate mortgage but also so many other things to get it approved. Steve and Zayna were very professional and very quick to response. They were always available when needed and helped us out beyond the call of duty. They were there every step of the way and we would highly recommend them.read more

Jeanette O'Sullivan

17:46 15 Jul 19

James was fantastic to deal with, responsive and thorough — he helped me deal with my specific situation, manage my expectations. and let me know from the outset exactly what documentation he needed to help secure a mortgage from an A lender.read more

Tom Mahn

17:01 12 Jul 19

Great experience working with Mortgages.ca Buying this first home is stressful enough by itself. Its good to have professionals on your side that help you through all the steps of getting a mortgage . Thank you so much. You made our dream a possibility.read more

Marg King

19:53 26 Jun 19

We, as a family, have had the pleasure of re-mortgaging with Steve at Mortgage Architects. I have never done business dealings with anyone as professional as Steve. He was recommended to us by a friend and had the rare knack of making us, strangers, feel right at home from the very beginning to the end. No question asked was considered a stupid question. We felt very comfortable conversing with him and he took the time to explain in depth until we completely understood. Although we never got to meet him in person, we will always remember his professionalism, quick responses and courteous manner. We will definitely pass his name on. Thank you Steve, for getting us on the right road to a happy ending.read more

Andrew

12:48 07 Jun 19

I recently renewed my mortgage with James and was very happy with the result. Compared to my previous lender (BMO), I found James much more knowledgeable on the options available and most importantly (for me, at least), he was able to provide me with a much better rate that I could find with one of the big banks.read more

Danielle Astor

15:20 23 May 19

Steve was more than fantastic ! He was attentive and made this experience smooth , easy and informative! I have suggested you Steve to every one I know !read more

Steve Mattar

16:56 22 May 19

My wife and I were lucky to be referred to James by our friend. He made the whole process easy and most importantly he made sure we got even better rates then what the banks post. I will be using him again and I will be referring him to everyone I know as well. Thank you James for all your hard work. Steve and Audreyread more

Jeffery Lum

00:07 25 Apr 19

The experience working with James and his team was amazing from start to finish! It was my first mortgage for my first home and James was great at explaining what was needed, any next steps, got me pre-approved within a day and even responded to me on the weekend as I had questions while putting in my offer. The quick turnaround on rates and other data points that I asked about made it really easy to for me to make decisions. On top of that, it was the best rate I got. I would definitely recommend going through James for any future financing needs!read more

Stephanie Hickman

17:24 02 Apr 19

I was looking to purchase a second condo and having had such a great experience with James the first time, working with him again was a no-brainer. I had a lot of questions - James and his whole team were always available to answer and sometimes (re answer) my many questions. They made a confusing and seemingly daunting process very easy for me. I will absolutely work with James again.read more

David Muthurajah

03:10 01 Mar 19

I was looking to purchase my first home (condo) and so a close friend of mine put me in touch with James. James and his team were excellent! They helped me through the whole process, answered all of my questions and provided me with the information I needed to make informed decisions. With James' help, I was able to purchase my first home! I highly recommend James, he will take care of you very well!read more

Travis Kim

20:43 04 Feb 19

Steve brought transparency, availability and a whole lot of experience to the table. The process was far more efficient than other banks and brokers I dealt with. All of our interactions were digital or over the phone - I didn’t have to go into the office once! Steve and Zayna, thanks for making the purchase of my first house possible!read more

kirsty strong

14:12 25 Jan 19

James and his team were recommended by my realtor, Brendon Cowans, and did a top job. They were exceptionally responsive and eager to help and made the whole process a streamlined one from start to finish. I would highly recommend and will definitely use them again in the future.read more

Norm Forshner

23:34 28 Nov 18

James and his staff did a great job providing us a mortgage although we have non traditional incomes. Another broker could not find us a top lender and the rates were much higher than what James was able to provide. I would highly recommend him to anyone.read more

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