Sign In

BLOG

Alex Dettman
Alex Dettman
16:25 04 May 21

I’ve dealt with Steve for my initial mortgage (4 years ago) and again when I went to re-finance recently and Steve & his team were always willing to explore a variety of options and to accommodate our timelines, preferences and schedules and particular made navigating the complexities of a re-financing during the virtual environment as seamless as possible. I would definitely recommend Steve & team, and will likely go to him again in the future.read more

Sally B
Sally B
15:15 30 Apr 21

Great experience- professional and super pleasant to deal with! Highly recommend.read more

Sean Marks
Sean Marks
12:48 30 Apr 21

Both James and Zayna were incredibly helpful with this process, walking us through everything and spending the time to make sure our decision was the right one. As first time home buyers it made this big step so much more enjoyable knowing we were in good hands. Would highly recommend their services.read more

Anne-Marie Stuart
Anne-Marie Stuart
14:48 28 Apr 21

Working with James and his team was a dream! James was extremely responsive to our (many!) questions and gave us great advice. Most importantly, he found us a great mortgage that made it possible for us to buy our dream home. We would highly recommend working with James if you get the chance.read more

Himanshu Jog
Himanshu Jog
01:48 19 Apr 21

Worked w/James & team recently and had a great experience. Being new to this market, I was full of basic (& sometimes silly) questions and James/team were full of patience. They were very prompt in responding to my emails and phone calls. I’ve had a great experience and recommend their service to anyone in need. Thanks again, James!read more

Brian LeNguyen
Brian LeNguyen
17:27 15 Apr 21

Steve was excellent to deal with and always made himself available to discuss any questions or concerns. The whole mortgage process felt very seamless and pain free.2021 Update: Steve was once again an incredibly helpful resource and trusted advisor when guiding us through the steps required for the mortgage application process.read more

Shantelle Bisson
Shantelle Bisson
22:56 14 Apr 21

We’ve been dealing with banks and their Mortgage “experts” our entire home ownership lives, and those relationships have always left us frustrated because we knew that we weren’t getting the best mortgage deal for us. Working with Mortgages.ca, and James Harrison specifically, was a breath of fresh air knowing that we had somebody working for our best interests! We now enjoy our properties much more knowing that we absolutely got the best rates, and deals that we could for our mortgages, along with getting to keep more of our money instead of the banks getting it. Not only that it was personalized care from start to finish, but they were extremely clear in what they needed from us every step of the way. My husband and I both agree that we will only work with Mortgages.ca going forward.read more

L Hunter
L Hunter
16:12 13 Apr 21

James and Mayra are a great team. Responsive, knowledgeable and easy to work with. James came up with and option that hadn’t even crossed my mind. Just what you need.read more

Shannon Blanshard
Shannon Blanshard
17:34 09 Apr 21

Steve was incredible to deal with! At the last second we needed to make a substantial change to our mortgage. Steve jumped at the opportunity to help and worked late to get in contact with the bank. Without his overtime and critical problem solving we might have had to push our closing date. He stayed calm and leaned on his relationships to make it happen. There aren’t a lot of mortgage brokers or people from the bank who would ever give their time like that. My husband and I are very thankful and will continue to use Steve for everything in the future.read more

Jason Wallace
Jason Wallace
21:47 07 Apr 21

Scott & James,I just wanted to thank you for all your help this past year not only for my clients but for my own mortgage needs as well. In most cases many of the scenarios were challenging and I was able to rely not only on your professionalism but the personal service you always provide.I greatly appreciate you always being able to get the job done (even through a worldwide pandemic), and leveraging the best rates through the multiple lenders you work with by creating a bespoke strategy for each client.Looking forward to sharing another successful year, thank you again.Jason – Royal LePageread more

Natalia Lysenko
Natalia Lysenko
20:42 31 Mar 21

No doubt the best brokerage! Everything was done in super fast timing, very responsive, excellent customer service and overall I would give them 10 stars if I could! Very professional! Highly recommend!read more

Landon Wildman
Landon Wildman
22:10 30 Mar 21

10/10 would recommend James to anyone looking for a broker. Straight forward and responsive with great results.read more

Eric Brewer
Eric Brewer
14:48 29 Mar 21

Another extraordinary experience working with Steve and Zayna. Steve helped us buy our first home in 2019 and we had such an exceptional experience we contacted him when considering a refinance and buying our first investment property. Steve went above and beyond, always happy to call and take his time guiding us through every step and our countless questions. He even intervened when we had an issue with the appraiser and fought on our behalf to get our home reassessed resulting in our successful refinance. He was super supportive with our first rental property purchase and provided very helpful guidance on planning our investment path. We also referred my mom to her and because of Steve’s amazing support, she finally felt confident enough to buy her first condo, a lifelong dream of hers. Needless to say he also got us all amazing rates! Steve treats you like a VIP no matter what you are buying and he happily has our highest recommendation. We look so forward to continuing our journey with him and refer all our family and friends with total confidence. It simply doesn’t get better!read more

Antoinette M.
Antoinette M.
00:58 28 Mar 21

I had a great experience working with James and Mayra. They walked me through every step of the process and they took time to answer every question. Buying a home can be a cumbersome process but it was smooth sailing with this team and I highly recommend their expertise.read more

Victor Carrajola
Victor Carrajola
10:21 25 Mar 21

I had the pleasure of dealing with Scott Nazareth. He was clear and concise with what he wanted from me to deal with my refinancing. I highly recommend Mortgages.ca. Great job Scott!read more

John Ananiadis
John Ananiadis
23:53 24 Mar 21

My partner and I worked with Scott for a good chunk of the year that we were looking for a house. Although we went with one of our banks in the end for our mortgage, we were very impressed by Scott’s knowledge, patience, and good nature. It was a pleasure working with him and I highly recommend his services.read more

Dave Gussin
Dave Gussin
20:17 22 Mar 21

To sum it up quickly: Mortgages.ca checks all the boxes. HIGHLY recommended!The details:James, Mayra and the whole team spent a great deal of time with us not only on the phone but via email to help us to understand the current landscape, to explore all of our options, and to make an informed decision regarding mortgage products with all of the pros and cons. James is not “coin-operated”, meaning he’s not focused exclusively on closing your deal and moving on to the next one; he truly cares about making sure you get the best product for your needs. They also went the extra mile and gave us money out of their own pocket to cover the difference between what was supposed to be our final payout from the financial institution we ended up choosing and what we actually received. I can’t say enough about much we enjoyed working with this great company.read more

Vladimir Rnjak
Vladimir Rnjak
03:54 22 Mar 21

I worked with Scott to get a better rate than my current lender was offering on a refinance of my mortgage. Knowledgeable, quick to respond to emails, pleasant to work with. Would recommend mortgages.caread more

Aamna C
Aamna C
02:20 19 Mar 21

James & Zayna from Mortgages.ca made our house-buying experiences very seamless. As first-time home buyers, they walked us through the entire process and made sure to keep us updated at every step. We really appreciated their quick response and transparency.read more

Matthew Ryan
Matthew Ryan
01:47 16 Mar 21

Steve at Mortgages.ca was an absolute key part of our successful house hunt. He took the time to make sure we fully understood our financing options, introduced us to options we were the best fit, and was with us every step of the way on the house purchase journey. He had exceptional turn around time and took a genuine interest in making sure we got the best deal and mortgage possible. He was always a call or text away.read more

Neil Sookhoo
Neil Sookhoo
23:43 03 Mar 21

Scott did an amazing job as our mortgage broker. As first time home buyers, my fiance and I initially felt intimidated at the prospect of buying a house in the GTA but Scott made the process easy, guiding us through the mortgage process and ensuring we got the best possible deal. He was very responsive to all of our questions and requests and extremely knowledgeable. We could not have been happier with Scott and would not hesitate to work with him in the future.read more

Jack W
Jack W
14:51 03 Mar 21

It was a pleasure working with James. He made the mortgage process incredibly easy and was very professional and responsive. On top of that, he got me the best rates. I would recommend James to anyone.read more

Ai Vy Moeller
Ai Vy Moeller
21:58 24 Feb 21

I had the pleasure of working with James and his team to secure my first mortgage. As a first-time homebuyer, I had many questions – luckily, James was very knowledgeable, helpful, and responsive. James and Zayna also made sure my paperwork was completed smoothly and in a timely manner. I couldn’t have asked for better service. Thank you!read more

Luis Varessis
Luis Varessis
00:47 23 Feb 21

Steve and his team at Mortgages.ca offer exceptional service and professional advise in all things mortgage. This is the 3rd time we have worked with Steve and besides his expert advise, he was able to connect us with industry experts for all our needs (we needed a lawyer) thus making the re-financing process carefree. Last but not least he got us a rate that we didn’t believe existed! Thank you Steve!read more

Lynda Brewer
Lynda Brewer
17:48 22 Feb 21

I would absolutely recommend Steve to anyone. No question was insignificant to him; his knowledge and expertise helped me immensely and he got me an outstanding rate. Steve always picked up the phone or responded immediately to email. He is highly professional, very responsive and an extremely nice person.read more

Scott Dwinnell
Scott Dwinnell
12:32 19 Feb 21

This wasn’t our first time working with Steve and it certainly won’t be our last. Steve and his team went above and beyond again to ensure the process was seamless. A 5 star rating is not enough. We are looking forward to the next purchase with Steve!read more

Cristina Mg
Cristina Mg
17:33 18 Feb 21

Steve was the best. Super responsive at all times! He got me the best rate and went above and beyond making me feel at ease as I was a first time home buyer and had many questions.I’ve already started recommending him to my friends and family.Thank you Steve !read more

Victoria Nanowski
Victoria Nanowski
14:07 10 Feb 21

James and his team were great. They were very helpful with a lot of product knowledge (James was able to get us great rates and terms across a few mortgage products for us to choose from), and went above and beyond with customer service. Highly recommend!read more

Agerfa Sote
Agerfa Sote

13:51 09 Feb 21

I saw so many people talking about a lady called Mrs Jane Gilbert and i kept wondering if she is really an expert trader like they say and not a scammer like the others, then i contacted her and i was shocked and amazed that with just $1000 i invested, Jane helped me managed my account and after 7 days of trading, i made my first withdrawal of $12,900. I’m so happy sharing this testimony with you all, you can contact her via WhatsApp or email and make good profit
WhatsApp: +19514672061
Email: janegilbert33@gmail.com
Instagram: janetrader01
read more

Andrea Agro
Andrea Agro
18:04 04 Feb 21

Steve was our lifeline through refinancing our home. His dedication, knowledge and service was exceptional. We were definitely new to the process and he answered all our questions and concerns at any time of the day! He negotiated an amazing rate for us and dealt with any and every issue professionally with a calm, confident approach. I would not hesitate to recommend Steve and his team. Top notch service and experience!read more

Paula Parejo
Paula Parejo
15:34 04 Feb 21

As a first time home buyer, finding the right mortgage is extremely intimidating. Steve took the time to educate us, answer our questions (no matter how small or silly they seemed) building trust with us. We are so grateful for the guidance we were given as we have an amazing mortgage rate. Highly recommend!read more

Courtney Grafton
Courtney Grafton
20:57 02 Feb 21

James Harrison and Mayra were fanatic help as we purchased our first home! He was quick to communicate and made the process smooth. We will be recommending him to all our friends in the future!!!read more

Louis
Louis
19:12 02 Feb 21

I worked with James and his team to help us secure a mortgage for our new home. They were proffesional, responsive and an overall pleasure to work with!read more

Jarek Stache
Jarek Stache
16:28 02 Feb 21

My fiancee and I were almost ready to give up after almost a year of searching for our 1st home. A family friend recommended James for our mortgage and because of him and his team we found our dream house! James Harrison and Mayra Watrich were able to provide us with options that our previous mortgage specialists were not able to provide! Thank you so much, you are the best! Couldn’t recommend more!!!read more

Hawa Y. Mire
Hawa Y. Mire
20:42 01 Feb 21

Scott is an excellent mortgage broker. He worked with us into late nights, navigating busy institutions to make it possible for us to purchase our home. He was responsive, prepared and knowledgeable about the sector. We wouldn’t hesitate to recommend him to others – and in fact encourage you to choose him over others in your search for the right home!read more

Jon Lloyd
Jon Lloyd
15:23 29 Jan 21

If I could give these guys more than 5 stars I would. James and his team are absolute gems to work with. We were referred to him originally through our realtor 5 years ago for our first mortgage and the level of client service, expertise, and professionalism was top notch. Our mortgage term recently ended and we approached James again to help us look at our options. Again, James and his team were nothing short of amazing to work with. He was able to get us an incredibly competitive rate (way better than I was expecting) and was able to help us find a product that was the right fit for us. James has earned our trust and we will be life long clients. If you’re considering buying your first home, moving, or buying a second property, do yourself a huge favor a book some time to speak with James. You won’t regret it.read more

Vicki Adderley
Vicki Adderley
16:52 20 Jan 21

Great experience! Kept us up to date and provided lots of information. Steve was wonderful to work with throughout the process!read more

Jo-Ann Phillips
Jo-Ann Phillips
20:38 19 Jan 21

Everyone at Mortgages.ca goes over the top! James finds the most remarkable deals (I mean who knew, right?). Then they follow-up on every detail, track every thread right down to the last signature! Great problem solvers too. And they’re fabulous people! Warm hearted, kind, generous – and everybody needs more of that. Recommended them to several people and I’ll continue to do that – made miracles happen for me and my referrals. You’re very lucky indeed if you’ve decided to work with them. My discerning Banker’s eyes went wide when she saw the rates and the deal they got me – and THAT’S an endorsement,read more

Britt G
Britt G
21:47 15 Jan 21

This was our second time using Steve and we cannot say enough about him. He was so helpful, knowledgeable and always quick to respond. He made buying our forever house just as easy as the first time we bought a condo. Would highly recommend!read more

Mathieu
Mathieu
16:36 15 Jan 21

Steve was extremely helpful and professional through the entire process of refinancing our mortgage. I can’t recommend him enough. He’ll fight to get the best product for you and will consistently make himself available to meet your needs. While we had difficulty with some of our other service providers during the recent refinance, I could consistently count on Steve’s advice and solid service throughout the process, and that was very reassuring.read more

sairam srinivas
sairam srinivas
01:08 15 Jan 21

Steve made our home buying experience a walk in the park. Being a first time home buyer, I had a lot of questions that would come to me at different times through the home buying process, but Steve was there to hand hold me and answer all my questions patiently through texts or calls. I would recommend Steve to anyone who would want to buy a home.read more

Jason Buckland
Jason Buckland
00:28 15 Jan 21

Ask for Steve Harrison, because this guy is tremendous. Steve played for us equal parts mortgage broker, financial advisor, consultant, cheerleader, therapist … you name it. He took two totally green home buyers, my wife and I, and held our hand through the entire process—obviously, securing a killer mortgage at a great rate, but also leaving us floored by his knowledge, his savvy, and frankly his total patience and candor through every last detail and every point large or small.The best review of a mortgage broker may be that you’d recommend them to others. Not only will we be doing that, but Steve has secured lifetime clients in us, as well.read more

olis meedolson
olis meedolson
15:15 14 Jan 21

As a first time home buyer, Steve Harrison made my move and the whole process of buying a place so easy. He was very responsive, professional and knowledgeable regarding any questions i had. I would recommend Steve and Mortgage Architects Brokerage to anyone looking to buy a home. Fantastic service! Thank you so much!!read more

Jonathan Foster
Jonathan Foster
22:38 13 Jan 21

The most important item in working with a mortgage broker is TRUST. If you were to know me, it is a huge achievement that I state “I blindly trust James with all my mortgage decisions and in handling the mortgage decisions for all of my family members and friends”.James has proven himself time and again in going the extra mile to ensure our questions are answered clearly and in a way that we fully understand. He ensures our best interests are at the forefront of every decision. Thankyou James, and to your team, for always taking care of our family. You have a client for life!!!!read more

Michelle Y
Michelle Y
00:10 08 Jan 21

James Harrison and his team are absolutely incredible. James and Mayra were so helpful, responsive and understanding throughout the whole process, and their expertise gave me a huge amount of reassurance as a first time homebuyer. I am convinced that James worked some miracles for me and I would recommend his services to everyone.read more

Jesse Zimmer
Jesse Zimmer
15:17 07 Jan 21

As a first time buyer, I wasn’t sure what I was getting myself into. Scott from Mortgages.ca helped me through every step and was there anytime I had a question. My realtor was very impressed with his dedication to the deal and professionalism. I would highly recommend Scott for any mortgage needs.read more

Tan Ly
Tan Ly
22:17 06 Jan 21

As a first time home buyer, James and Mayra made the mortgage process really easy for us. They were very quick in responding to my many questions. James was also very patient during my home search when I would send him different listings to get an idea of what our maximum bids would be. Completing the mortgage paperwork was also not an issue as Mayra was very helpful in guiding us through the process. I highly recommend Mortages.ca to anyone!read more

Adam H
Adam H
14:15 06 Jan 21

I used mortgages.ca as a first time home buyer . James and his team were responsive and very helpful throughout the entire process. Every situation is unique and James and his team worked with us to collect all information required from the lender. There was 0 hiccups or issues throughout this process that made my first home buyer experience very stress free.read more

Daniela DeGasperis
Daniela DeGasperis
21:02 05 Jan 21

James and his team at Mortgages.ca have been wonderful to work with. Because of James, I was able to seamlessly purchase properties, in a structure that best suited me and my interests. This is incredibly valuable to me. I would highly recommend the team at Mortgages.caread more

Ann MacNaughton
Ann MacNaughton

15:43 16 Feb 18

Mortgages.ca and the very personableJames Harrison have always offered a quick response to any query, in-depth knowledge of mortgage options and concerns, and excellent service to the clients we have successfully referred.
Looking forward to many more!
read more

Mustard Littl
Mustard Littl

16:26 14 Feb 18

Answer to trivia question: 2.7%

Amanda Rose
Amanda Rose

23:54 04 Sep 17

Great customer service. I was able to get a competitive rate. I’d like to treat them some champagne for helping me with my 1st mortgage so well.read more

Brad Scott
Brad Scott

03:08 15 Aug 17

Outstanding service. Steve Harrison went above and beyond. He was always available and answered every phone call or text immediately. We had a few issues which Steve easily solved for us. Would highly recommend.read more

Melissa Trombetta
Melissa Trombetta

02:19 17 Feb 17

Excelente service. Steve did everything we needed to get what we needed. Very satisfiedread more

Andrew Smith
Andrew Smith

01:28 06 Jun 16

After having a very negative experience with a banks mortgage devision. Steve was exactly what we were looking for. Steve was excellent at answering our questions quickly and clearly. His professionalism gave us the confidence to make an aggressive offer which ended up being successful in the purchase of our 1st home. Thank you Steve, would recommend to any one.read more

Barry Naymark
Barry Naymark

16:45 17 May 16

We are very happy with all the customer service, hard work and dedication from James and Laurie. I was able to ask all the important questions and get all the right answers as this was our 1st time buying our 1st home! The efficient and effective work really allowed me to feel at ease that I was getting the best service, rate and lender to make my dreams a reality! I recommend them for all future buyers. Their communication was perfect in instructing me to do have everything in place with closing! I will continue to recommend them!read more

Joy Varrasso
Joy Varrasso

18:41 11 Jun 15

Once again James has exceeded our expectations with his exceptional customer service and the ability to offer knock out rates. This is our second time using him and have referred him to family and friends. Thanks again for all your help!!read more

Diana Wright
Diana Wright

13:03 04 Dec 14

As first time homebuyers, finding the perfect home in Toronto within budget was challenging and full of learning experiences. Steve took the surprises and uncertainty out of the biggest purchase (ahem…loan) of our lives. He was able to answer all of our questions and ensure we had the information we’d need to make a decision. Trust me, as someone in financial risk management, I had A LOT of questions. And of course, No one could come close to the rate he got us. Thanks for helping us own our dream house and a piece of this great city!read more

Sarah Makhomet
Sarah Makhomet

17:45 26 Nov 14

A great team of professionals!!!

Alyse Orsborn
Alyse Orsborn

20:48 28 May 14

I was referred to Steve from a colleague and I have been blown away! Just got back from seeing my lawyer who actually fist pumped me on the amazing rate we got. Aside from the low rate, as a first time home buyer, Steve spent so much time with me helping me along the way and educating me on an area I felt I didn’t know a lot about. I’m a studier and he provided all the content and clarity I needed. He was only a phone call away and always stopped to take the time Trust is everything and I feel so lucky to have had Steve during this whole process. Thank you Steve!!read more

Paul Francis
Paul Francis

16:31 29 Mar 14

Nothing but professionals here, looking forward to our next dealread more

Nicolas Wen Shea
Nicolas Wen Shea

13:44 25 Mar 14

Incredible customer service from Steve. Always picks up and prompt for meetings. Found the best rates possible and always took the time to explain the pros and cons of each alternative. My go to guy for anything mortgages related!read more

Lee Dipps
Lee Dipps

22:18 17 Mar 14

I’m so lucky I got in touch with Steve Harrison from Mortgages dot ca before signing anything with my bank or the broker my agent referred me to. Steve’s ability and willingness to answer all of my questions as they came up day after day, was amazing. He was a great help throughout the process and even found me a significantly better rate than my bank or my realtor’s broker. I want to encourage anyone who is in the market to contact Steve Harrison.read more

Next Reviews

Uncategorized

Alternative Lending: Intro to B-Lending

 

Has your bank turned you down for mortgage financing?

 

You are not alone, for as long as the mortgage industry has been around, rules and regulations have put a cap on affordability and increased scrutiny and due diligence to reduce risk for lenders. In the most recent years, the stress test has reduced purchasing power across the board for all borrowers by creating a buffer between the contract rate of the 5 year fixed product and the MQR or mortgage qualifying rate which is meant to model affordability based on a future rise in rates. The MQR is now determined dynamically every week based on an average of the 5 year fixed posted rates across the top 5 banks in Canada (TD, BMO, RBC, Scotiabank and CIBC).

The spread between the contract rate and the MQR is currently sitting at more than 3% for high ratio purchases. This means that if you were to lock in to a 5 year fixed today on a 500k mortgage, you would need to qualify to carry a payment of $2849/month (MQR) vs $2020/month (1.59%).

 

Ratios

 

Debt servicing ratios are used to determine how much of your outgoing monthly liabilities and total debt correlate to your total monthly income. For banks, credit unions and AAA lenders the ratios are 39/44 (GDS/TDS). The ratios are determined by your ability to carry your monthly mortgage payments (based on MQR), your other liabilities like car loans, credit card debt, relative to your income. For unsecured/revolving loans, like a credit card or line of credit lenders will factor in a carrying cost of 3% of the outstanding balance for servicing ratios. For example, if you owe $15,000 on a line of credit, your monthly carrying cost would be factored in at  $450/month. 

 

So where did this 39/44 (GDS/TDS) ratio come from? The mortgage default insurers, CMHC, Sagen (previously Genworth) and Canada Guaranty. When purchasing with less than 20% down your mortgage in the majority of cases must have mortgage insurance. When purchasing with more than 20% down, if the mortgage is amortized at 25 years or less, which is the limit for default mortgage insurance – the lender may opt to purchase this for you, at their cost. 

 

At Alternative Lending institutions, lenders will typically allow higher debt servicing ratios giving you more affordability to purchase or refinance. Ratios typically are 45/50 (GDS/TDS) but can be as high as 55/70 (GDS/TDS) depending on factors like net worth, loan to value ratios, and uncaptured income. The more skin in the game or equity you have, the better negotiating ability you have with an alternative lender. Based on these ratios alone your affordability can increase as much as 20%.

 

Amortization

 

Amortization is the total length of time calculated to payback the loan, it’s the time frame your mortgage payment is based on. At banks, credit unions, monolines and other AAA lenders the maximum amortization period is now capped at 30 years for mortgages with a minimum of a 20% down-payment and a cap of 25 years for a downpayment of less than 20% requiring default mortgage insurance. Did you know that in the past even high-ratio mortgages with less than 20% down used to be amortized up to 40 years? The longer the amortization period, the more purchasing power an individual has due to the lower carrying cost of the debt. 

 

Alternative Lenders can offer amortizations up to 35 years and in some cases 40 years to reduce your mortgage payments and in turn increase your affordability.

 

Employment Income Guidelines

 

Permanent full time employees with a base salary or guaranteed hours can utilize all of their income in most cases to qualify as long as they have at least 3 months of continuous employment and not be on probation. However, as we know, the job market and nature of work has changed to include many different types of income. Employees on contract, seasonal workers, self employed persons with less than 2 years of employment, self employed persons who take advantage of tax strategies to reduce taxable income, low-income high net worth individuals and more, face scrutiny and sometimes an outright decline based on the fact they do not fit the parameters of a big bank, credit union or other AAA lender. The risk parameters baked into the underwriting guidelines at these lenders create an opportunity for other products/solutions to address this market need. 

 

Many self employed individuals previously were allowed to take advantage of Stated Income Programs designed to help cash businesses/self employed entities whose taxable income did not reflect the true return from their business activities. Alternative lenders have embraced the stated income program to allow a self employed individual to use as much of their GROSS income before deductions/taxes as is reasonable to qualify. Alongside the higher debt servicing ratios and longer amortization periods this is an optimal solution for self employed individuals.

 

Aside from employment income, there are other types of income that are accepted such as the Child Tax Benefit,Disability Benefits, Spousal Support to name a few at both AAA and B lenders. As we have noted however, there are stricter guidelines for use of this income, such as the percentage of total income allowed for Spousal Support (capped at 30%)  or the minimum age required for the children to use the CCB (capped at 12 years). B-Lenders offer more flexibility here as well.

Mortgage Hack: B Lenders allow for contributory income from non-title owner occupants of a property, such as a sibling, spouse, grandparent etc. If you are in a situation where you are buying a house occupied by a family, and lets say your sister contributes $300/400 a month from her part time job to the expenses, AAA lenders will require her to be on the application to use the income, some B lenders will allow up to $500/month to be added for persons that are not on the application.

 

Rates

 

Rates, Rates, Rates – it’s all we hear about on the news and in regular discourse. Rates are low! Rates are going down, rates are going up etc. At the time of writing, the 5 year fixed rate average is about 1.89% across both high ratio/conventional files spanning multiple products and lenders. Now, being in the mortgage industry for over 7 years, many of my clients are surprised to learn that interest rates are not customized based on a client’s credit profile. If you have Tom with a 700+ beacon score getting a mortgage and Sally with a 880 beacon score getting a mortgage, they will likely be offered the same rates. Rates are sometimes determined by minimum thresholds related to credit scores, for example (620- 680) will have a rate at 1.89% whereas 680+ will be 1.79%. However within the ranges, there is no further tailoring regarding rates. 

 

The ranges in a rate matrix exist for B Lenders, where the higher your credit score, especially if its above 700+  will provide you the best rate, and the lower you go, the rates become more case-by-case, based on the risk to the lender. Beacon scores less than 525 at most lenders are entirely priced on a case-by-case basis. For applicants on the higher end of the rate spectrum we are seeing rates as low as 2.74% for 1-2 year terms. Pretty good right? Let’s talk fees…

 

Fees

 

When arranging a mortgage at a bank, you are typically not charged any fees aside from the appraisal cost and perhaps account fees for banking products you choose to bundle in with your mortgage. A mortgage broker that facilitates a mortgage with you and a bank will receive a finders fee and is compensated fully by the lender. Alternative lenders do not provide the same compensation to brokers, in most cases, brokers will charge a broker fee. This broker fee can range depending on the complexity of the deal from 0.5% to 2% of the outstanding loan amount and is deducted from the advance of funds on closing. 

 

In addition to a broker fee, lenders will typically charge a lender fee ranging from 0.5% to 1.5% depending on the product selection/risk parameters. Alternative Lenders/B Lenders unlike banks normally see their clients choose short term mortgages, between 1-3 years mostly. An exit strategy is discussed up front in most cases how to transition from a B Lender to an A Lender. This means less profit for the lender, so they have incorporated fees into their business model to account for the additional risk they face when underwriting files more leniently.

 

Summary

 

Working with the professionals at Mortgages.ca provides you access to a myriad of products and solutions. We create custom mortgage solutions for our clients and unlike your bank or financial institution we can offer you products from multiple lenders that may be able to help you achieve your goals faster than if you were limited to the product selection from one lender. We work with over 50 lending institutions, from big banks to private lenders and everything in between.

 

Contact us today if you want to find out the optimal way to maximize your affordability and take advantage of the opportunities in your local real estate market. Whether a long time employee or newly self employed we will be here to help guide you through the process, educating you along the way. Don’t just take it from me, check out the testimonials from some of our clients to hear what they have to say 🙂

 

 

Alex Dettman
Alex Dettman
16:25 04 May 21

I’ve dealt with Steve for my initial mortgage (4 years ago) and again when I went to re-finance recently and Steve & his team were always willing to explore a variety of options and to accommodate our timelines, preferences and schedules and particular made navigating the complexities of a re-financing during the virtual environment as seamless as possible. I would definitely recommend Steve & team, and will likely go to him again in the future.read more

Sally B
Sally B
15:15 30 Apr 21

Great experience- professional and super pleasant to deal with! Highly recommend.read more

Sean Marks
Sean Marks
12:48 30 Apr 21

Both James and Zayna were incredibly helpful with this process, walking us through everything and spending the time to make sure our decision was the right one. As first time home buyers it made this big step so much more enjoyable knowing we were in good hands. Would highly recommend their services.read more

Anne-Marie Stuart
Anne-Marie Stuart
14:48 28 Apr 21

Working with James and his team was a dream! James was extremely responsive to our (many!) questions and gave us great advice. Most importantly, he found us a great mortgage that made it possible for us to buy our dream home. We would highly recommend working with James if you get the chance.read more

Himanshu Jog
Himanshu Jog
01:48 19 Apr 21

Worked w/James & team recently and had a great experience. Being new to this market, I was full of basic (& sometimes silly) questions and James/team were full of patience. They were very prompt in responding to my emails and phone calls. I’ve had a great experience and recommend their service to anyone in need. Thanks again, James!read more

Brian LeNguyen
Brian LeNguyen
17:27 15 Apr 21

Steve was excellent to deal with and always made himself available to discuss any questions or concerns. The whole mortgage process felt very seamless and pain free.2021 Update: Steve was once again an incredibly helpful resource and trusted advisor when guiding us through the steps required for the mortgage application process.read more

Shantelle Bisson
Shantelle Bisson
22:56 14 Apr 21

We’ve been dealing with banks and their Mortgage “experts” our entire home ownership lives, and those relationships have always left us frustrated because we knew that we weren’t getting the best mortgage deal for us. Working with Mortgages.ca, and James Harrison specifically, was a breath of fresh air knowing that we had somebody working for our best interests! We now enjoy our properties much more knowing that we absolutely got the best rates, and deals that we could for our mortgages, along with getting to keep more of our money instead of the banks getting it. Not only that it was personalized care from start to finish, but they were extremely clear in what they needed from us every step of the way. My husband and I both agree that we will only work with Mortgages.ca going forward.read more

L Hunter
L Hunter
16:12 13 Apr 21

James and Mayra are a great team. Responsive, knowledgeable and easy to work with. James came up with and option that hadn’t even crossed my mind. Just what you need.read more

Shannon Blanshard
Shannon Blanshard
17:34 09 Apr 21

Steve was incredible to deal with! At the last second we needed to make a substantial change to our mortgage. Steve jumped at the opportunity to help and worked late to get in contact with the bank. Without his overtime and critical problem solving we might have had to push our closing date. He stayed calm and leaned on his relationships to make it happen. There aren’t a lot of mortgage brokers or people from the bank who would ever give their time like that. My husband and I are very thankful and will continue to use Steve for everything in the future.read more

Jason Wallace
Jason Wallace
21:47 07 Apr 21

Scott & James,I just wanted to thank you for all your help this past year not only for my clients but for my own mortgage needs as well. In most cases many of the scenarios were challenging and I was able to rely not only on your professionalism but the personal service you always provide.I greatly appreciate you always being able to get the job done (even through a worldwide pandemic), and leveraging the best rates through the multiple lenders you work with by creating a bespoke strategy for each client.Looking forward to sharing another successful year, thank you again.Jason – Royal LePageread more

Natalia Lysenko
Natalia Lysenko
20:42 31 Mar 21

No doubt the best brokerage! Everything was done in super fast timing, very responsive, excellent customer service and overall I would give them 10 stars if I could! Very professional! Highly recommend!read more

Landon Wildman
Landon Wildman
22:10 30 Mar 21

10/10 would recommend James to anyone looking for a broker. Straight forward and responsive with great results.read more

Eric Brewer
Eric Brewer
14:48 29 Mar 21

Another extraordinary experience working with Steve and Zayna. Steve helped us buy our first home in 2019 and we had such an exceptional experience we contacted him when considering a refinance and buying our first investment property. Steve went above and beyond, always happy to call and take his time guiding us through every step and our countless questions. He even intervened when we had an issue with the appraiser and fought on our behalf to get our home reassessed resulting in our successful refinance. He was super supportive with our first rental property purchase and provided very helpful guidance on planning our investment path. We also referred my mom to her and because of Steve’s amazing support, she finally felt confident enough to buy her first condo, a lifelong dream of hers. Needless to say he also got us all amazing rates! Steve treats you like a VIP no matter what you are buying and he happily has our highest recommendation. We look so forward to continuing our journey with him and refer all our family and friends with total confidence. It simply doesn’t get better!read more

Antoinette M.
Antoinette M.
00:58 28 Mar 21

I had a great experience working with James and Mayra. They walked me through every step of the process and they took time to answer every question. Buying a home can be a cumbersome process but it was smooth sailing with this team and I highly recommend their expertise.read more

Victor Carrajola
Victor Carrajola
10:21 25 Mar 21

I had the pleasure of dealing with Scott Nazareth. He was clear and concise with what he wanted from me to deal with my refinancing. I highly recommend Mortgages.ca. Great job Scott!read more

John Ananiadis
John Ananiadis
23:53 24 Mar 21

My partner and I worked with Scott for a good chunk of the year that we were looking for a house. Although we went with one of our banks in the end for our mortgage, we were very impressed by Scott’s knowledge, patience, and good nature. It was a pleasure working with him and I highly recommend his services.read more

Dave Gussin
Dave Gussin
20:17 22 Mar 21

To sum it up quickly: Mortgages.ca checks all the boxes. HIGHLY recommended!The details:James, Mayra and the whole team spent a great deal of time with us not only on the phone but via email to help us to understand the current landscape, to explore all of our options, and to make an informed decision regarding mortgage products with all of the pros and cons. James is not “coin-operated”, meaning he’s not focused exclusively on closing your deal and moving on to the next one; he truly cares about making sure you get the best product for your needs. They also went the extra mile and gave us money out of their own pocket to cover the difference between what was supposed to be our final payout from the financial institution we ended up choosing and what we actually received. I can’t say enough about much we enjoyed working with this great company.read more

Vladimir Rnjak
Vladimir Rnjak
03:54 22 Mar 21

I worked with Scott to get a better rate than my current lender was offering on a refinance of my mortgage. Knowledgeable, quick to respond to emails, pleasant to work with. Would recommend mortgages.caread more

Aamna C
Aamna C
02:20 19 Mar 21

James & Zayna from Mortgages.ca made our house-buying experiences very seamless. As first-time home buyers, they walked us through the entire process and made sure to keep us updated at every step. We really appreciated their quick response and transparency.read more

Matthew Ryan
Matthew Ryan
01:47 16 Mar 21

Steve at Mortgages.ca was an absolute key part of our successful house hunt. He took the time to make sure we fully understood our financing options, introduced us to options we were the best fit, and was with us every step of the way on the house purchase journey. He had exceptional turn around time and took a genuine interest in making sure we got the best deal and mortgage possible. He was always a call or text away.read more

Neil Sookhoo
Neil Sookhoo
23:43 03 Mar 21

Scott did an amazing job as our mortgage broker. As first time home buyers, my fiance and I initially felt intimidated at the prospect of buying a house in the GTA but Scott made the process easy, guiding us through the mortgage process and ensuring we got the best possible deal. He was very responsive to all of our questions and requests and extremely knowledgeable. We could not have been happier with Scott and would not hesitate to work with him in the future.read more

Jack W
Jack W
14:51 03 Mar 21

It was a pleasure working with James. He made the mortgage process incredibly easy and was very professional and responsive. On top of that, he got me the best rates. I would recommend James to anyone.read more

Ai Vy Moeller
Ai Vy Moeller
21:58 24 Feb 21

I had the pleasure of working with James and his team to secure my first mortgage. As a first-time homebuyer, I had many questions – luckily, James was very knowledgeable, helpful, and responsive. James and Zayna also made sure my paperwork was completed smoothly and in a timely manner. I couldn’t have asked for better service. Thank you!read more

Luis Varessis
Luis Varessis
00:47 23 Feb 21

Steve and his team at Mortgages.ca offer exceptional service and professional advise in all things mortgage. This is the 3rd time we have worked with Steve and besides his expert advise, he was able to connect us with industry experts for all our needs (we needed a lawyer) thus making the re-financing process carefree. Last but not least he got us a rate that we didn’t believe existed! Thank you Steve!read more

Lynda Brewer
Lynda Brewer
17:48 22 Feb 21

I would absolutely recommend Steve to anyone. No question was insignificant to him; his knowledge and expertise helped me immensely and he got me an outstanding rate. Steve always picked up the phone or responded immediately to email. He is highly professional, very responsive and an extremely nice person.read more

Scott Dwinnell
Scott Dwinnell
12:32 19 Feb 21

This wasn’t our first time working with Steve and it certainly won’t be our last. Steve and his team went above and beyond again to ensure the process was seamless. A 5 star rating is not enough. We are looking forward to the next purchase with Steve!read more

Cristina Mg
Cristina Mg
17:33 18 Feb 21

Steve was the best. Super responsive at all times! He got me the best rate and went above and beyond making me feel at ease as I was a first time home buyer and had many questions.I’ve already started recommending him to my friends and family.Thank you Steve !read more

Victoria Nanowski
Victoria Nanowski
14:07 10 Feb 21

James and his team were great. They were very helpful with a lot of product knowledge (James was able to get us great rates and terms across a few mortgage products for us to choose from), and went above and beyond with customer service. Highly recommend!read more

Agerfa Sote
Agerfa Sote

13:51 09 Feb 21

I saw so many people talking about a lady called Mrs Jane Gilbert and i kept wondering if she is really an expert trader like they say and not a scammer like the others, then i contacted her and i was shocked and amazed that with just $1000 i invested, Jane helped me managed my account and after 7 days of trading, i made my first withdrawal of $12,900. I’m so happy sharing this testimony with you all, you can contact her via WhatsApp or email and make good profit
WhatsApp: +19514672061
Email: janegilbert33@gmail.com
Instagram: janetrader01
read more

Andrea Agro
Andrea Agro
18:04 04 Feb 21

Steve was our lifeline through refinancing our home. His dedication, knowledge and service was exceptional. We were definitely new to the process and he answered all our questions and concerns at any time of the day! He negotiated an amazing rate for us and dealt with any and every issue professionally with a calm, confident approach. I would not hesitate to recommend Steve and his team. Top notch service and experience!read more

Paula Parejo
Paula Parejo
15:34 04 Feb 21

As a first time home buyer, finding the right mortgage is extremely intimidating. Steve took the time to educate us, answer our questions (no matter how small or silly they seemed) building trust with us. We are so grateful for the guidance we were given as we have an amazing mortgage rate. Highly recommend!read more

Courtney Grafton
Courtney Grafton
20:57 02 Feb 21

James Harrison and Mayra were fanatic help as we purchased our first home! He was quick to communicate and made the process smooth. We will be recommending him to all our friends in the future!!!read more

Louis
Louis
19:12 02 Feb 21

I worked with James and his team to help us secure a mortgage for our new home. They were proffesional, responsive and an overall pleasure to work with!read more

Jarek Stache
Jarek Stache
16:28 02 Feb 21

My fiancee and I were almost ready to give up after almost a year of searching for our 1st home. A family friend recommended James for our mortgage and because of him and his team we found our dream house! James Harrison and Mayra Watrich were able to provide us with options that our previous mortgage specialists were not able to provide! Thank you so much, you are the best! Couldn’t recommend more!!!read more

Hawa Y. Mire
Hawa Y. Mire
20:42 01 Feb 21

Scott is an excellent mortgage broker. He worked with us into late nights, navigating busy institutions to make it possible for us to purchase our home. He was responsive, prepared and knowledgeable about the sector. We wouldn’t hesitate to recommend him to others – and in fact encourage you to choose him over others in your search for the right home!read more

Jon Lloyd
Jon Lloyd
15:23 29 Jan 21

If I could give these guys more than 5 stars I would. James and his team are absolute gems to work with. We were referred to him originally through our realtor 5 years ago for our first mortgage and the level of client service, expertise, and professionalism was top notch. Our mortgage term recently ended and we approached James again to help us look at our options. Again, James and his team were nothing short of amazing to work with. He was able to get us an incredibly competitive rate (way better than I was expecting) and was able to help us find a product that was the right fit for us. James has earned our trust and we will be life long clients. If you’re considering buying your first home, moving, or buying a second property, do yourself a huge favor a book some time to speak with James. You won’t regret it.read more

Vicki Adderley
Vicki Adderley
16:52 20 Jan 21

Great experience! Kept us up to date and provided lots of information. Steve was wonderful to work with throughout the process!read more

Jo-Ann Phillips
Jo-Ann Phillips
20:38 19 Jan 21

Everyone at Mortgages.ca goes over the top! James finds the most remarkable deals (I mean who knew, right?). Then they follow-up on every detail, track every thread right down to the last signature! Great problem solvers too. And they’re fabulous people! Warm hearted, kind, generous – and everybody needs more of that. Recommended them to several people and I’ll continue to do that – made miracles happen for me and my referrals. You’re very lucky indeed if you’ve decided to work with them. My discerning Banker’s eyes went wide when she saw the rates and the deal they got me – and THAT’S an endorsement,read more

Britt G
Britt G
21:47 15 Jan 21

This was our second time using Steve and we cannot say enough about him. He was so helpful, knowledgeable and always quick to respond. He made buying our forever house just as easy as the first time we bought a condo. Would highly recommend!read more

Mathieu
Mathieu
16:36 15 Jan 21

Steve was extremely helpful and professional through the entire process of refinancing our mortgage. I can’t recommend him enough. He’ll fight to get the best product for you and will consistently make himself available to meet your needs. While we had difficulty with some of our other service providers during the recent refinance, I could consistently count on Steve’s advice and solid service throughout the process, and that was very reassuring.read more

sairam srinivas
sairam srinivas
01:08 15 Jan 21

Steve made our home buying experience a walk in the park. Being a first time home buyer, I had a lot of questions that would come to me at different times through the home buying process, but Steve was there to hand hold me and answer all my questions patiently through texts or calls. I would recommend Steve to anyone who would want to buy a home.read more

Jason Buckland
Jason Buckland
00:28 15 Jan 21

Ask for Steve Harrison, because this guy is tremendous. Steve played for us equal parts mortgage broker, financial advisor, consultant, cheerleader, therapist … you name it. He took two totally green home buyers, my wife and I, and held our hand through the entire process—obviously, securing a killer mortgage at a great rate, but also leaving us floored by his knowledge, his savvy, and frankly his total patience and candor through every last detail and every point large or small.The best review of a mortgage broker may be that you’d recommend them to others. Not only will we be doing that, but Steve has secured lifetime clients in us, as well.read more

olis meedolson
olis meedolson
15:15 14 Jan 21

As a first time home buyer, Steve Harrison made my move and the whole process of buying a place so easy. He was very responsive, professional and knowledgeable regarding any questions i had. I would recommend Steve and Mortgage Architects Brokerage to anyone looking to buy a home. Fantastic service! Thank you so much!!read more

Jonathan Foster
Jonathan Foster
22:38 13 Jan 21

The most important item in working with a mortgage broker is TRUST. If you were to know me, it is a huge achievement that I state “I blindly trust James with all my mortgage decisions and in handling the mortgage decisions for all of my family members and friends”.James has proven himself time and again in going the extra mile to ensure our questions are answered clearly and in a way that we fully understand. He ensures our best interests are at the forefront of every decision. Thankyou James, and to your team, for always taking care of our family. You have a client for life!!!!read more

Michelle Y
Michelle Y
00:10 08 Jan 21

James Harrison and his team are absolutely incredible. James and Mayra were so helpful, responsive and understanding throughout the whole process, and their expertise gave me a huge amount of reassurance as a first time homebuyer. I am convinced that James worked some miracles for me and I would recommend his services to everyone.read more

Jesse Zimmer
Jesse Zimmer
15:17 07 Jan 21

As a first time buyer, I wasn’t sure what I was getting myself into. Scott from Mortgages.ca helped me through every step and was there anytime I had a question. My realtor was very impressed with his dedication to the deal and professionalism. I would highly recommend Scott for any mortgage needs.read more

Tan Ly
Tan Ly
22:17 06 Jan 21

As a first time home buyer, James and Mayra made the mortgage process really easy for us. They were very quick in responding to my many questions. James was also very patient during my home search when I would send him different listings to get an idea of what our maximum bids would be. Completing the mortgage paperwork was also not an issue as Mayra was very helpful in guiding us through the process. I highly recommend Mortages.ca to anyone!read more

Adam H
Adam H
14:15 06 Jan 21

I used mortgages.ca as a first time home buyer . James and his team were responsive and very helpful throughout the entire process. Every situation is unique and James and his team worked with us to collect all information required from the lender. There was 0 hiccups or issues throughout this process that made my first home buyer experience very stress free.read more

Daniela DeGasperis
Daniela DeGasperis
21:02 05 Jan 21

James and his team at Mortgages.ca have been wonderful to work with. Because of James, I was able to seamlessly purchase properties, in a structure that best suited me and my interests. This is incredibly valuable to me. I would highly recommend the team at Mortgages.caread more

Ann MacNaughton
Ann MacNaughton

15:43 16 Feb 18

Mortgages.ca and the very personableJames Harrison have always offered a quick response to any query, in-depth knowledge of mortgage options and concerns, and excellent service to the clients we have successfully referred.
Looking forward to many more!
read more

Mustard Littl
Mustard Littl

16:26 14 Feb 18

Answer to trivia question: 2.7%

Amanda Rose
Amanda Rose

23:54 04 Sep 17

Great customer service. I was able to get a competitive rate. I’d like to treat them some champagne for helping me with my 1st mortgage so well.read more

Brad Scott
Brad Scott

03:08 15 Aug 17

Outstanding service. Steve Harrison went above and beyond. He was always available and answered every phone call or text immediately. We had a few issues which Steve easily solved for us. Would highly recommend.read more

Melissa Trombetta
Melissa Trombetta

02:19 17 Feb 17

Excelente service. Steve did everything we needed to get what we needed. Very satisfiedread more

Andrew Smith
Andrew Smith

01:28 06 Jun 16

After having a very negative experience with a banks mortgage devision. Steve was exactly what we were looking for. Steve was excellent at answering our questions quickly and clearly. His professionalism gave us the confidence to make an aggressive offer which ended up being successful in the purchase of our 1st home. Thank you Steve, would recommend to any one.read more

Barry Naymark
Barry Naymark

16:45 17 May 16

We are very happy with all the customer service, hard work and dedication from James and Laurie. I was able to ask all the important questions and get all the right answers as this was our 1st time buying our 1st home! The efficient and effective work really allowed me to feel at ease that I was getting the best service, rate and lender to make my dreams a reality! I recommend them for all future buyers. Their communication was perfect in instructing me to do have everything in place with closing! I will continue to recommend them!read more

Joy Varrasso
Joy Varrasso

18:41 11 Jun 15

Once again James has exceeded our expectations with his exceptional customer service and the ability to offer knock out rates. This is our second time using him and have referred him to family and friends. Thanks again for all your help!!read more

Diana Wright
Diana Wright

13:03 04 Dec 14

As first time homebuyers, finding the perfect home in Toronto within budget was challenging and full of learning experiences. Steve took the surprises and uncertainty out of the biggest purchase (ahem…loan) of our lives. He was able to answer all of our questions and ensure we had the information we’d need to make a decision. Trust me, as someone in financial risk management, I had A LOT of questions. And of course, No one could come close to the rate he got us. Thanks for helping us own our dream house and a piece of this great city!read more

Sarah Makhomet
Sarah Makhomet

17:45 26 Nov 14

A great team of professionals!!!

Alyse Orsborn
Alyse Orsborn

20:48 28 May 14

I was referred to Steve from a colleague and I have been blown away! Just got back from seeing my lawyer who actually fist pumped me on the amazing rate we got. Aside from the low rate, as a first time home buyer, Steve spent so much time with me helping me along the way and educating me on an area I felt I didn’t know a lot about. I’m a studier and he provided all the content and clarity I needed. He was only a phone call away and always stopped to take the time Trust is everything and I feel so lucky to have had Steve during this whole process. Thank you Steve!!read more

Paul Francis
Paul Francis

16:31 29 Mar 14

Nothing but professionals here, looking forward to our next dealread more

Nicolas Wen Shea
Nicolas Wen Shea

13:44 25 Mar 14

Incredible customer service from Steve. Always picks up and prompt for meetings. Found the best rates possible and always took the time to explain the pros and cons of each alternative. My go to guy for anything mortgages related!read more

Lee Dipps
Lee Dipps

22:18 17 Mar 14

I’m so lucky I got in touch with Steve Harrison from Mortgages dot ca before signing anything with my bank or the broker my agent referred me to. Steve’s ability and willingness to answer all of my questions as they came up day after day, was amazing. He was a great help throughout the process and even found me a significantly better rate than my bank or my realtor’s broker. I want to encourage anyone who is in the market to contact Steve Harrison.read more

Next Reviews