Discover Your Hassle-Free Mortgage.
The mortgage process can be complex and overwhelming, but you don’t have to go through it alone.
Our expert team will help you find your mortgage hassle-free.
How we work.
At Mortgage Fernando, we simplify the mortgage process by offering expert advice and personalized solutions.
We guide you from start to finish, ensuring you find the best mortgage without the hassle.
Our process
We listen to you.
We start with a consultation call to understand your unique financial goals and needs.
This ensures that we recommend mortgage options tailored to your situation.
We find options.
We review your financial profile and present the best mortgage options, guiding you through pre-approval.
You’ll receive personalized mortgage strategies with the best available rates.
We help you till the end.
Once approved, we guide you through the final steps of the mortgage process, handling all the details for a smooth closing.
You can relax knowing we’re with you every step of the way through approval and funding.
Why work with us
Personalized solutions
We take the time to understand your unique needs and goals, ensuring you get a mortgage tailored to your situation. You get a mortgage that fits perfectly with your financial plan, saving you time and money.
Best rates from trusted lenders
We work with Canada’s leading lenders to find the most competitive rates and terms available. You’ll save money with rates that fit your budget and long-term goals.
Hassle-free process
Our expert team handles everything, guiding you through each step of the mortgage process with clear communication. You can relax and enjoy peace of mind while we manage the details.
Fast and efficient
We move quickly to get you pre-approved and through to closing without unnecessary delays. You’ll secure your mortgage quickly, avoiding last-minute complications.
What our clients say.
Check out what our clients are saying about our hassle-free mortgage process.
Trusted lending partners.
Frequently asked questions
How does the mortgage process work?
We start by getting to know your financial goals. Then, we guide you through every step—from choosing the right lender to getting pre-approval and finalizing your mortgage. Our team ensures the process is as smooth and stress-free as possible.
What documents do I need to apply for a mortgage?
You’ll need proof of income (like pay stubs or tax returns), a credit report, bank statements, and a list of assets and debts. We’ll walk you through exactly what’s needed for your unique situation.
How long does the mortgage approval process take?
The typical timeline from application to approval is around 24 -48 hours. However, this can vary based on the complexity of your situation and the lender’s requirements.
What is a pre-approval, and why is it important?
A pre-approval is an initial agreement from a lender to provide you with a mortgage based on your financial details. It helps you understand how much you can borrow and shows sellers you’re serious, giving you an advantage in competitive markets.
How can I get the best mortgage rate?
We work with multiple lenders to find the most competitive rates available. Factors that impact your rate include your credit score, income, down payment, and property type. We’ll help you navigate these to secure the best possible deal.
Can I refinance my mortgage later?
Yes! Refinancing is a common way to lower your interest rate or access equity in your home. We can help you decide if refinancing is right based on current market conditions and your financial goals.
Do I need to pay for your services?
Typically, our services are free for clients, as we receive compensation from the lender. However, we’ll always be upfront about potential fees that might apply to specific situations. Transparency is important to us, so you’ll know exactly what to expect.
Need more information?
Areas we serve.
Ajax | Aurora | Barrie | Bowmanville | Brampton | Brantford | Burlington | Cambridge | Chatham | Clarington | Cooksville | Durham Region | Etobicoke | GTA | Guelph | Halton Region | Hamilton | Kawartha | Kingston | Kitchener | London | Markham | Milton | Mississauga | Muskoka | Newmarket | Niagara | North York | Oakville | Oshawa | Ottawa | Paris | Peel Region | Peterborough | Pickering | Richmond Hill | Sault Ste Marie | Scarborough | Saint Catharines | Seaton | Stratford | Stouffville | Sudbury | Thornhill | Thunder Bay | Toronto | Unionville | Uxbridge | Vaughan | Waterdown | Waterloo | Welland | Whitby | Windsor | York
Mortgage Fernando Inc.,
Mortgage Brokerage FSRA Lic# 13620
Telephone: +1 (647) 977-8800
Email: team@mortgagefernando.com