Client Comments
Thank you so very much for putting so much effort and time for helping us.



We were so happy that you were able to provide us with construction financing. The draw amounts work fine with our builder and we plan to refer anyone building a house. Thanks again.



Hi Joe

Just wanted to pass on our thanks again for all your help with securing our mortgage.

In hindsight, we would have to say that the entire process of buying for the first time went really well and we managed to avoid a lot of the headache and inconvenience that others seem to come across.

Certainly in regard to arranging our mortgage, things could not have been easier for us and we have you to thank for that.

Your patience and attention to detail was greatly appreciated.

All the best,

. Aghazzarian & L. Marino


Truly Professional

Joe helped us out with our financing and all the questions we asked. The rates and service was excellent and he even came to our house to sign all the papers.

We have recommend him to our co-workers, friends and family.


Mortgage Needed In a Hurry!

We needed to arrange something quickly and Joe Walsh was able to provide us with a commitment on the same day;

I would definitely recommend Joe.

A Satisfied Customer!


We supplied Joe Walsh with all of the pertinent information and we were able to sit back and relax while Joe took care of everything.

He examined all of the possibilities and came up with one that best suited our needs.

Joe took all of the shopping and confusion out of the experience and made it simple for us.

We have used Joe several times in the past and will continue to do so in the future.

He is knowledgeable, professional, there to service quickly & promptly without the stress that normally comes along with this sort of decision

Residential Home Mortgages

“Let Me Show You The Best Approach For Finding and Securing Residential Home Mortgages”

Residential Home Purchases are one of the most common transactions we see on a day to day basis.

And let’s face it, buying a home, especially your first one, is a big financial decision.

For many people, it’s the single biggest financially related decision they will ever have to make.

So the process of finding a house and securing financing at the same time can be a bit overwhelming and intimidating.

Or at least it can be if you’re trying to figure everything out yourself.

That’s where I come in.

The first step we recommend when in the process of purchasing a home is to get pre-approved financing. This will greatly simplify the overall buying process and take some of the pressure off your shoulders.


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By applying for pre approval status, you’ll know exactly how much money you can afford to invest in a home, the interest rate your mortgage will carry, payment amounts, loan terms, and all other related details.

With a pre-approved or pre-arranged status, your interest rate will also be locked in for 90 days and if interest rates go down before you purchase, you’ll be able to take advantage of the lower rates as well.

Once I understand your financial profile and mortgage goals, I’ll be able to show you the mortgage options most suitable to you.

One of the great aspects of the Canadian mortgage market these days is that there are so many mortgage products and programs to choose from and many of these programs can be customized to meet some specific or unique requirements you may have.

Now while choice in the market is great, it can also be confusing trying to figure out what options are best suited to you and your situation. Not to worry. As a mortgage specialist, my job is to be your coach and advisor and to make sure that you not only are considering the best options, but that you completely understand all the terms and conditions so that you will be comfortable and completely satisfied with the mortgage you choose.

Here are just a few examples of some of the residential mortgage program features available today to different types of home buyers.

• High ratio mortgages financing up to 95% of the purchase price.

• Home buyers who have been relocated to Canada for Work or are new immigrants to the country and may not qualify for many of the standardized programs.

• Family Mortgage. This is where an existing home owner may want to assist other family members like older parents or students in school to secure a mortgage that they otherwise would not be able to qualify for on their own.

Self Employed. For individuals that cannot provide employment related income verification due to their self employed or commissioned status can still secure higher ratio mortgages through specifically designed programs.

There have been some recent changes to the Canada Mortgage and Housing Insurance program whereby individuals can no longer receive a mortgage amortization of 40 years at 100% financing, they still can receive an amortization of up to 25 years with at least 5% down under the program

Despite these changes, there are still plenty of options and choices available to you for residential mortgage financing with and without the requirement of mortgage insurance.

So like I mentioned earlier, the recommended first step is to get the mortgage decisions out of the way so that you can focus on and actually enjoy the process of looking for your next home without worrying about the financing aspect.

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