Twenty years of experience in the financial services industry and having worked for two of Canada's Major Canadian Banks has prepared me to deal with the monumental changes in the real estate and mortgage industry. The current mortgage climate is a difficult one.  You will require a broker who has experience and knowledge to navigate you through these challenging times.  I will give you completely objective advice with no nonsense. Sometimes you simply need to speak to someone to know you are on the right track without the sales pitch .  If you are a new client I welcome your call.  If you are an existing client I am humbled and grateful you have take the time to contact me again.   Your referrals of your family and friends have been a welcome and humbling endorsement.