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

No Money Down Mortgage

“Yes, There Are Still Ways To Get a 100% Mortgage With No Money Down”

No Money Down MortgageDespite all the mortgage rule changes over the last number of years there are still some mortgage financing programs out there that will allow you to get new mortgage without having any of your own cash as a down payment or some type of gift from your parents.

We have recently been successful working through some institutional mortgage programs that have found a way to work within the new mortgage rules and still provide a no down payment type option with in their product offering.

Now this is not going to be something that will work for anyone as you’re still going to have to have very good credit and you’ll have to be able to qualify for the debt servicing on a 5 year rate.

But if you do have strong income and credit then these types of programs could work for you.

Another thing to keep in mind is that the rates are going to be slightly higher than what you would be able to secure if you had 20% to put down, but they’re not than much higher and when you consider what you’re gaining in terms of getting a mortgage in place, the cost to benefit would certainly seem to make sense.

If this is something that you would be interested in then we would need you to give us a call so we could do a free initial assessment on the phone…or if you’d like to come into the office we could arrange a time that works for both of us.  At this initial discussion stage we should be able to determine if you will be able to qualify for a 100% mortgage with no down payment.

At that point, we would then need to go through a regular mortgage application process which would require you to complete an application form and provide the relevant supporting documentation.

If we are able to get an approval, most programs provide a 120 day rate hold so you will have some time to locate a new home or close on one you have already lined up.

To be clear, there is no guarantee that you will qualify for 100% financing, but it may be worth giving it s shot if you have the cash flow and credit to support an application.

The programs we are working through are with institutional lenders that are well established and well known in the market place.

These programs will also work for both first time home buyers and someone looking to acquire their next residential property.

Give us a call today so that we can go over your situation together and help you determine as quickly as possible if this is something that would work for your home financing requirements.

Alternatively, you can also send me an email through the contact form on this website with your financing requirements and I will make sure you get all your questions answered.

Click Here To Speak Directly To Toronto Mortgage Broker Joe Walsh For A Free Mortgage Financing Assessment




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