Read Our Reviews

Client First Mortgages is rated 4.76 out of 5.0 stars based on 42 review(s).

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Steve made it very easy and simple got a great rate for us highly recommend

- Derek Doucette

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Steve offers outstanding service! Covers all bases for very smooth transitions through the entire process. Thank you.

- Jamie Parkin

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Great guy great service

- William Carrie

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Excellent, professional, efficient. Impressive. Very thankful to have Steve organize the deal.

- Cheryl Harrington

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I was very impressed with the service I received with ClientFirst. I highly recommend them. Very professional and knowledgable.

- Susan arnold

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Very good

- Todd Wiebe

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Steve was extremely helpful, knowledgeable and prompt. He made the process and my options easy to understand and I would highly recommend him to anyone.

- Glen Fishbook

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Steve is fantastic, gets the job done with little fuss and he is clear in explaining the process and mortgage products

- Timothy McCutcheon

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Great service! Thanks Steve!

- Clive Ivins

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Thanks for the work and time you did Thanks again

- Ricky Vella

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Steve was very organized, informative, punctual, and reassuring especially with everything going on with the pandemic and not being able to meet people in person.

- Brodie Procyk

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Very professional, and well informed. I appreciated the advice and service. Steve kept me informed of the latest information and market advice, and quickly helped with my mortgage needs and future planning. I would definately recommend, and will use again Client First Mortgages.

- Susan Arnold

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Steve is very professional and made the mortgage process quick and easy!

- Kent Senko

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This was our first home purchase, Steve was very patient with us, not only explaining all the steps of the mortgage application process but also walking us through various scenerios and concerns.

- Robert Gora

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I would highly recommend Steve DSouza as an amazing mortgage broker. This was my first experience with using a mortgage broker and I must say that he was so on top of every part of the process, extremely professional, and got us an amazing result in a very timely manner, especially through this COVID-19 time in our lives. I highly recommend using Steve DSauza for your mortgaging needs.

- Lynn Anderson

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Steve made the mortgage process smooth and simple. As questions arose, communication was clear and helpful. As a first time a first time home buyer, the learning curve of finding an ideal mortgage resembled less of a mountain and more of a hill. Would recommend.

- Joel MacLean

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Hey there Steve. You made the process smooth and informative; you brought clarity when answering questions and it couldn't have been a better process. The place is great, and our transition into it has been easy! We will definitely recommend your services to friends and family.

- Joel M and Aaron M

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First Class

- Richard Brown

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Steve was very helpful from the beginning. He was knowledgeable and professional. Highly recommended!

- Alan Braun

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This was my first time using a Mortgage Advisor and I wasn't disappointed. Nathan was professional, helpful, knowledgeable, and so informative. I got a great rate on my mortgage. I would definitely recommend Nathan to my friends and family.

- Jennifer Baillie

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Very professional and got me a great rate!

- Pamela House

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great job

- Nelson Talbot

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Great to work with; knows his stuff.

- Scott Walters

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Had the privilege of working with Steve D'souza as my mortgage advisor. He went over and above for me and gave me all the information when it comes to the fine details of the mortgage and the best deal. Will definitely be recommending Steve to all my friends and family.

- William Lawless

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We’ve worked with Nathan Isherwood twice now and the process is easy for clients who might not be doing mortgage applications often and his explanations are clear and easily understood.

- Greg Basham

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We've worked with Nathan Isherwood twice now and the process is easy for clients who might not be doing mortgage applications often and his explanations are clear and easily understood.

- Greg Basham

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Steve was easy to work with! He made the process smooth and reduced the stress of financing. His communications were clear and timely. We would definitely use his services again.

- Lisa-Dawn Markle

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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Steve! Thank you so much for everything, the mortgage process was seamless and pleasant. Usually a stressful process but you made it so much better, Star and Nabi

- Setareh Doustdar-Haghighi

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Steve always makes himself available, even for the most simple of questions.

- David McKillop

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We recently purchased an investment property and had Steve help us out. He was able to get us qualified at a lower rate and for more money than the bank. He was a pleasure to work with.

- Brad Davis

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We had a really short contract period but Nathan was able to get us approved at a great rate and without any hassles. The whole process was smooth and stress free. Thanks.

- Bradley Davis

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Steve was so helpful, calm, and encouraging every step of the way - he made what could be a very stressful process as smooth and painless as could be. Thanks Steve!

- Natalie Jones

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We are very happy with our dealings with Nathan. He was able to set up things for us quickly and answered any questions or concerns we had.

- Constance Robson

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This is our second time using Steve as our mortgage broker. He goes above and beyond every time. Always answers questions we have no matter how big or small, and lets us know what is going on every step of the way! He’s amazing at his job and very knowledgeable!

- Jennifer Boyes

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No one better than Nathan

- Michelle Lycan

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Steve's caring and knowledge was essential.He is an asset to your company!

- Hooshang Jafarzadeh

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Excellent experience. We will highly recommend Steve.

- Christopher Rankin

New to Canada, do you qualify for a mortgage?

Being new to Canada will be an exciting time, but it can also come with many challenges. If you would like to buy a home in Canada you will be applying to a mortgage program for new immigrants in Canada, commonly referred to as a New to Canada mortgage.

Let’s have a look at a few myths about mortgages for Newcomers.

Myth: Newcomers to Canada will not be able to obtain a mortgage from a large Canadian bank.

Fact: There are a few banks who understand that you and your family have unique needs and offers special mortgage programs designed for Newcomers.

Myth: Newcomers cannot qualify for a mortgage if they do not have a well-established credit history in Canada

Fact: As long as you meet other eligibility requirements, you may qualify for a mortgage even with limited Canadian credit history.

Who is considered a Newcomer to Canada?

A newcomer is someone who has immigrated to Canada within the last 5 years and is already Permanent Resident or who has received confirmation of Permanent Residence from Immigration, Refugees and Citizenship Canada (IRCC).

In order to qualify for a mortgage, the lender will look at your ‘Status’ in Canada.

  • You must have immigrated or relocated to Canada within the last 60 months.
  • You must have a valid work permit or obtained Permanent Residency

It is true that the lender will require some Credit history in order to establish your Credit worthiness. Here are some documents that could be accepted:

  • An international credit report (Equifax/TransUnion) demonstrating a strong credit profile or 2 alternative sources of credit demonstrating timely payments (no arrears), for the past 12 months.
  • The two alternative sources are: Rental payment history confirmed via letter from landlord and bank statements
  • One other alternative source (hydro/utilities, telephone, cable, cell phone and auto insurance) to be confirmed via letter from the service provider or 12 months billing statements.

Our team of mortgage brokers have extensive experience helping Newcomers apply for a New to Canada mortgage and we can help match you with the right program for your specific situation. Don’t delay contact us today to assist you.

Original article: www.genworth.ca