Just called for an appointment to discuss our mortgage possibilities and was rudely told by the…read moreowner that she doesn't meet with people without an application. Oh well. Her loss of well qualified clients. She probably should ask a few questions before spitting that out. Perhaps customer service is not her strength. Update: this lady called me back after a few minutes and we had an appointment yesterday. The staff was friendly and Rakhi was very helpful and full of information that helped us.

I highly recommend taking the time to meet with Rakhi. My wife and I had been to banks in the past…read moreand really didn't have a comfortable or confident feeling after meeting with any of the in-house staff at banks (TD, NBC, Tandia). (FYI - many banks train their staff on the front line in these positions and give incentives to their employees on all the products - meaning many are still fresh and learning - while helping you with one of your biggest life decisions) We took a half hour to sit down with Rakhi before we bought our first home and it was the best 30 minutes we could have invested in our future. Rakhi explained everything to us in layman's terms - helped us understand why getting the lowest rate may not always be the best option and how to avoid large penalties if you decide to move early. We've since sold our first home and bought another one with Rakhi. I've also referred my father to Rakhi (which he also used her services). Whenever I hear my friends mention they are going to a big bank to get their mortgage I have to laugh (and it's always followed up with me giving out Rakhi's info). After all - if I didn't at the very least share Rakhi's info I'd be doing my friends and loved ones a BIG disservice. Rakhi is going to get you a mortgage through one of the banks - it's just that she's in your corner and actually wants to ensure you're happy with the product and is actually available at pretty much any hour to text/call. Rakhi allowed us to feel confident about buying and making the right decision for our family of four. If you want to buy a home - at least spend some time talking to her to find out if you're a good fit to work together. Cheers! Dr. Matt Bradbury

I am extremely impressed with Jagdeep Dhugga at AKAL Mortgages. I was treated with dignity and…read moregiven clear and detailed information needed to make my choice of options regarding my refinancing. I am very grateful to Jagdeep Dhugga who kept me informed daily of my HELOC application progress. He kindly checked in with me, even after my application was approved. I highly recommend him for all of your mortgage needs!

Gogi Luthra at Akal Mortgages Inc. is an amazing Mortgage Agent. He helped us to get our mortgage…read morerenewed at the best market price. He is knowledgeable and well-experienced in his field. I greatly appreciate his professionalism, valuable advice, suggestions and recommendations. Having him as my mortgage agent gave me great peace of mind. I would recommend Gogi to any of my friends or family members.

I had a great experience working with Certified Mortgage Broker. All the information was laid out…read morein advance and any questions that I had were promptly answered. They helped me to select the right product and I am very happy, thank you for making the process as painless as possible. Highly recommend!!

We took our home purchase very seriously. With todays unstable market and rising interest rates, we…read morewanted to know well in advance what we can qualify for. While I am employed my husband works for himself so the conventional bank route was very weary. We offered all the paperwork to the representative who seemed very cheerful at first. The process of being pre- approved was lengthy and tedious. Each week the bank agent asked for more paperwork, at the end the rate we were aiming for was no longer available. I could only imagine what the actual closing would look like. I found Leon and Ela online. They seemed to have credible reputation so I reached out to them. The level of professionalism and ability to make the process as smooth as possible was apparent. I got a list of what I need, once I provided the information it took few days to get a commitment and letter of intent. I believe that guiding one through the mortgage approval process is key and I trust CMB for that from now on.

Ryan has everything you want in a mortgage broker: always available, provides all the information…read moreyou need, gives you sound advice and is always very pleasant. As a first time home buyer, it is important to understand all the different aspects of this transaction and Ryan does a great job at explaining everything to you. He is also super efficient. My case was a bit more complicated than most because the builder gave me very short notice for closing. Ryan went above and beyond the call of duty to get the mortgage approved in time for closing. I highly recommend his services. UPDATE: if i could give Ryan more than five stars, I would. After helping me set up my first mortgage, Ryan kept an eye out and called me when he found a better deal for me. He explained in detail the implications of changing from one funder to the other (fines, etc). His explanations are very accessible and easy to understand, despite this being a complicate process. His answers is what assured me that i was making an informed decision. Once i decided to move, the process was very painless thanks to him and his team.

We are so glad we found Ryan before embarking on purchasing our new home. As first time homebuyers,…read morewe were anxious, unsure and (frankly) scared about what to expect going into the process. But Ryan basically held our hand the entire time, explaining everything in a way that made sense and covered each and every base. Both Ryan and Melanie were such a pleasure to work with; professional and prompt, yet approachable and accommodating. Ry the Mortgage Guy made our house buying experience very "user friendly" and we will recommend his services to all friends and family.