Tailored Mortgage Solutions Designed Around You
Serving Clients Across Ontario
From first-time buyers to complex approvals, I provide mortgage solutions tailored to your unique story, guiding you with expert advice, personalised options, and support at every step of your home journey.
I provide flexible solutions to help you achieve your goals—no matter the project
Trusted Expert with Real-World Experience
Integrity
I always do what’s right, no exceptions.
Care
I genuinely listen and help with heart.
Community
I love connecting and giving back locally.
Value
I make sure my service truly matters.
Mortgage Solutions For Every Stage Of Life
Whatever your situation, I develop financing strategies tailored to your goals—not a one-size-fits-all approach. Here’s how I can help.
Residential & First-Time Homebuyer Mortgages
Your first home is more than a purchase—it’s a milestone. I guide you through every step, making the process clear, stress-free, and tailored to your budget and dreams.
Private Mortgages
When traditional lenders can’t say yes, private financing can keep your plans on track. I connect you with trusted lenders who offer flexible solutions for unique situations.
Commercial & Construction Financing
From building your dream business space to funding large-scale developments, I design financing that supports your vision and keeps your project moving forward.
Agricultural & Rural Property Financing
With deep roots in the farming community, I understand the challenges of financing agricultural land, equipment, and rural properties—and I know how to get it done.
Self-Employed Mortgages
Your business success should open doors—not close them. I specialize in helping self-employed clients secure financing that works for their income structure and lifestyle.
Divorce & Separation Mortgage Solutions
Life changes don’t have to mean losing your financial stability. I help you navigate property division, refinancing, and new mortgage arrangements during separation.
Mortgage Refinancing
Lower your interest rate, free up equity, or consolidate debt. I’ll help you find the refinancing option that fits your financial goals.
Mortgage Renewals
Your renewal is an opportunity—not just a deadline. I compare lenders and rates to make sure you’re getting the best terms possible.
Reverse Mortgages
Unlock the equity in your home to support your retirement, supplement your income, or fund big goals—without selling your property.
The Mortgage Process Doesn’t Have To Be Overwhelming
I know how it feels to hit roadblocks, applications denied, confusing requirements, endless paperwork, and uncertainty about your next step. For many, securing a mortgage feels out of reach.
I turn those “no’s” into possibilities. I take the time to understand your story, find the right solution for your unique situation, and guide you through each step so you can move forward with confidence. Whether your challenge is credit history, unconventional income, or a complex property, I have the expertise and determination to make it happen.
I Make Mortgages Happen—Even In The Toughest Situations
Wondering what’s possible for your situation? My deal case studies walk you through real client stories—complete with challenges, solutions, and outcomes—so you can see exactly how I’ve turned “no” into “approved.”
From first-time buyers to self-employed clients, rural properties to complex construction projects, these are the wins I’m most proud of—and the kind of results I can create for you.
Hear From Happy Clients
Wondering what’s possible for your situation? My deal case studies walk you through real client stories—complete with challenges, solutions, and outcomes—so you can see exactly how we’ve turned “no” into “approved.”
“Nicole went above and beyond to make sure that I received the best rate possible for my mortgage. Over the course of our close she managed to come back three different times, each time with a lower rate and better terms. Her communication was punctual and she clearly knows what she's doing. I have several friends who have used her for their mortgages and they have all said the same things. I recommend her to anyone looking for a broker!”
—Derek M.
“Nicole helped us with our house and was so helpful layout and explaining all the options or possibilities. She is very details with the fine print and I love that. We asked her so many questions and always felt like she went above and beyond to answer them. Then we came back for a second mortgage and was just blow away by her knowledge and willingness to make it work for us. Highly recommend Nicole and her team.”
—Henry P.
“I recently worked with Hometown Mortgages and had an exceptional experience! From start to finish, their team was knowledgeable, responsive, and truly invested in helping me find the perfect mortgage solution. Their expertise and guidance made the process smooth and stress-free. I appreciated their transparency, communication, and willingness to answer all my questions.”
—Lydia J.
Frequently Asked Questions
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Absolutely. Many of our clients come to us after being turned down elsewhere. We work with a wide range of lenders—including private and alternative options—to find solutions for credit challenges, unique income situations, or properties that don’t meet traditional guidelines.
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Timelines can vary depending on your situation, but most mortgage approvals take between a few days to two weeks once we have all your documents. We work efficiently to keep things moving and will keep you updated every step of the way so there are no surprises.
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We start with a free discovery call to learn about your goals, challenges, and timeline. From there, we’ll outline your options, explain the process in plain language, and guide you through the paperwork so you know exactly what to expect.