Read Our Reviews

Client First Mortgages is rated 4.78 out of 5.0 stars based on 45 review(s).

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Made simple quick easy efficient Great job Steve

- Claudette Roy

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Steve has been great. Very professional and most helpful. I wouldn’t hesitate to refer him to friends and family.

- Cynthia Schurink

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We changed our financing a few times during the course of our purchase and sale. Steve jumped through hoops every time and made it work for us even when we didn’t think it would.

- Veronica Martin

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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

Why is my credit score on my credit report different from what Lenders see?

A credit report is a history of how consistently you pay your financial obligations. It is created when you first borrow money or apply for credit and is built over time.

It’s easy to track your credit score these days – perhaps through a paid subscription to Equifax Canada or TransUnion Canada, or through free offerings from your bank or other entities such as Credit Karma or Borrowell.

But there is no consistency among these various sources. In fact, there can be dramatic differences. Therefore, you should focus more on your overall ‘credit hygiene’ rather than any one particular score. Meaning, focus on best practices at all times.

CBC News ran a solid investigative piece last fall, called: “Why 4 websites gives you 4 different credit scores and none is the number most lenders actually see.” One Canadian encountered a 200-point difference between his highest and lowest scores from several score providers.

It’s important to remember that the credit score you see, might not be the one the bank sees. Lenders can and do, order credit reports that are designed to meet their specific needs.

How useful are Free Credit Scores when applying for a mortgage?

To bring the conversation around to mortgage borrowing, the only credit score that matters is the one your lender sees when your application is submitted. And it’s almost certainly NOT a score you have seen for yourself from all the score providers out there. These days prospective mortgage clients are often excited to tell their broker what their credit score is. While it is commendable to care and monitor your credit, the Credit Karma / Borrowell credit scores are not sufficient for the mortgage lenders. Your mortgage broker actually requires you to sign a consent form to access a comprehensive credit report.

FICO score 8 is the Gold Standard

For the most part mortgage brokers submit their mortgage applications with an Equifax Canada credit report attached. This report will display a few different measures to the lender, but the one the lender pays the most attention to is called FICO Score 8.

FICO says 90% of Canadian lenders use it, including major banks, but Canadian consumers cannot access their FICO score on their own. Some banks and other mortgage lenders rely solely on the TransUnion credit report, which may use the Credit Vision Risk Score, and others use both reporting agencies. But they can all generate a FICO score

Why you should worry about your Credit Hygiene, not your Credit Score.

It is great that Canadians care about their credit history – it is essential to many aspects of life, not just for major events like financing a home or an automobile. For example, some employers check candidates’ credit history, and so do most landlords when considering tenancies.

We are not here extolling the need for standardized credit score reporting. Because that is not going to happen anytime soon, as desirable as it may seem. Instead, we will talk about best practices of maintaining great credit hygiene. In part 2, we will look at various ways you can proactively manage your personal credit history and keep your score, whatever score that may be, optimized at all time.

Original article: www.canadianmortgagetrends.com