Our Agents

For over 10 years, NEED A MORTGAGE has provided clients with professional and well informed advice for all their home financing needs. We insist that the clients are our top priority and we listen attentively to ensure all specific needs, no matter how small, are met. Above all we guarantee that the client receives an incomparable experience that allows for open lines of communication resulting in an end goal even better than originally thought possible. NEED A MORTGAGE is devoted to helping clients reach their financial goals and guides them every step of the way.

Our agents provide clients with information and assistance that will allow them to make a strong and informed decisions based on their financial needs. Their ability to stay up to date with trends, rates, and regulations provides the client with not only their end goal of choice but a learning experience. Every task is of equal importance to them and they are dedicated to not just working for there clients but with them.

"Providing clients with industry knowledge and mortgage solutions that fit your needs regardless of circumstance to achieve one's goals."

"Got questions? Let's work toward the answers."

"Simplifying the mortgage process to client satisfaction."

"As Mortgage Agents, we strive to offer our clients the most innovative home financing products available in today's market place."

"Whether it be buying your first home or refinancing your current property, We strive to provide a distinctive strategy designed to best suit your detailed needs."

Mena Fiore | Owner & Principal Broker Level 2

The financial aspects of any purchase or refinance can be complicated with our everchanging industry guidelines. With over 25 years of experience in banking and mortgage business Mena strives to guide clients through the mortgage process keeping her client's needs top of mind to ensure a positive client experience from start to completion. Mena ensures that reaching your financial goals are not only possible but easier then you might expect. Achieving your goals are her priority. Clients will not only work directly with Mena but will come away with strong knowledge to ensure that she navigates you through the process to your desired outcome.

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Sam Avvenente | Mortgage Agent Level 2

Susan Falbo | Mortgage Agent Level 1

Rosa Jaques | Mortgage Agent Level 2

Sam Piscione | Mortgage Agent Level 2

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10 REASONS TO USE A MORTGAGE BROKER

Anyone that has used a mortgage broker in the past understands just how valuable such a service provider can be, whether you are buying your first home or renewing your mortgage. Working with a direct lender like a bank might feel more "conventional", but the reality is that an independent third party can offer impartial advice. Plus, brokers have access to a much wider array of products. Have a look at these 10 great reasons to use a mortgage broker. Then you'll be convinced!

1. GET INDEPENDENT ADVICE ON YOUR FINANCIAL

OPTIONS

As independent mortgage brokers and mortgage agents, we're not tied to any one lender or range of products. Our goal is to help you successfully finance your home or property. We will start by getting to know you and your home ownership goals, then we will make a recommendation, drawing from available mortgage products that match your needs, and finally decide together on what's right for you.

2. SAVE TIME WITH ONE-STOP SHOPPING

It could take weeks for you to organize appointments with competing mortgage lenders - and we know you'd probably rather spend your time house-hunting! Our mortgage broker team works directly with dozens of lenders, and can quickly narrow down a list of those that suit you best. It makes comparison-shopping fast, easy, and convenient.

3. WE NEGOTIATE ON YOUR BEHALE

Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. Brokers negotiate mortgages each and every day on behalf of Canadian homebuyers. You can count on our market knowledge to secure competitive rates and terms that benefit you.

4. MORE CHOICE MEANS MORE COMPETITIVE RATES

We have access to a network of major lenders in Canada, so your options are extensive. In addition to traditional lenders, we also know what's being offered by credit unions, trust companies, and other sources. We can also help you take care of other requirements before your closing date, such as sourcing mortgage default insurance if your down payment is less than 20% of the purchase price

5. ENSURE YOU'RE GETTING THE BEST RATES AND TERMS

Even if you've already been pre-approved for a mortgage by your bank or another financial institution, you're not obliged to stop shopping! Let us investigate to see if there is an alternative to better suit your needs

6. GET ACESS TO SPECIAL DEALS AND ADD ONS

Many financial institutions would love to have you as a client, which is why they often offer incentives to attract creditworthy customers. These can include retail points programs, discounts on appliances, shopping clubs, and more. We do the math on which financing and mortgage insurance offers might be worth your attention so you get the perks you deserve.

7. THINGS MOVE QUICKLY

Our job isn't done until your closing date goes smoothly. We'll help ensure your mortgage transaction takes place on time and to your satisfaction. Institutions would love to have you as a client, which is why they often offer incentives to attract creditworthy customers. These can include retail points programs, discounts on appliances, shopping clubs, and more.

8. GET EXPERT ADVICE

When it comes to mortgages, rates, and the housing market, we'll speak to you in plain language. We can explain the various mortgage terms and conditions so you can choose confidently.

9. NO ADDITIONAL COST FOR YOU

There is absolutely no cost to you for our services on typical residential mortgage transactions. How can we afford to do that? Like many other professional services, such as insurance, mortgage brokers are generally paid a finder's fee when we introduce trustworthy, dependable customers to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer.

10. ONGOING SUPPORT AND CONSULTATION

Even once your mortgage is signed and paperwork is complete, we are here if you need any advice on closing details or even future referral needs. We are happy to be of assistance when you need it.