01
One file, 90+ lenders
A bank shows you a single product. I take one application and shop it across 90+ lenders — big banks, monolines, credit unions and alternative lenders — so your file competes for the sharpest terms.
Mortgage Agent Level 2 · Lic. #M22000988
A mortgage strategy — not just a rate.
The bank offers you one rate. I offer you a comparison — one application shopped across 90+ lenders to build the mortgage that actually fits your life.
★★★★★ 5.0 · 36 Google reviews
~$2B funded through Sherwood
90+
lenders,
one file
one file
Ontario
GTA + Durham
$2B
Funded through Sherwood
90+
Lenders compared, one file
5.0★
36 Google reviews
66.5%
of Canadians own a home
Homeownership 66.5% — Statistics Canada, 2021 Census.
Why work with me
You don't need another salesperson. You need a strategist.
Four reasons clients across Ontario stop shopping banks and start comparing lenders — through one file, with one person accountable for the outcome.
02
A plan, not a product
Rate matters, but the structure around it matters more. Prepayment room, penalty type, amortization and renewal timing are built around your goals — not the lender's quota.
03
Direct access
You work with me from the first call to funding day. No call centre, no handoffs — just a direct line to the person actually managing your file.
04
Licensed & accountable
Mortgage Agent Level 2, Lic. #M22000988, with Sherwood Mortgage Group Inc. (Lic. #12176). Regulated advice, in plain English, with everything documented.
How it works
Make your next move simple.
Four clear steps from first hello to funding day — no jargon, no pressure, no obligation.
- 01
The call
A quick chat to understand your situation, goals and timeline — no pressure, no obligation.
- 02
Pre-approval snapshot
We review income, savings, credit and borrowing power so you know exactly what you can work with.
- 03
Loan strategy
I explain your options and what lenders look for, then match your file to the right one across 90+ lenders.
- 04
Next steps
A clear action plan through to approval and funding — with me on your side the whole way.
What I do
Solutions for every stage of ownership.
Buying, renewing, refinancing, investing or self-employed — there's a strategy for your situation. Explore the details.
Buying a home
Purchase Mortgages
A financing plan built around the home you actually want.
Learn more Your first homeFirst-Time Home Buyers
Only 66.5% of Canadians own a home. Let's make you one of them.
Learn more Renewing your termMortgage Renewals
Don't just sign the renewal letter. Compare it.
Learn more Using your equityRefinancing & Home Equity
Put the equity you have already built to work.
Learn more One simpler paymentDebt Consolidation
Trade several high-interest payments for one you can manage.
Learn more Building a portfolioInvestment Properties
Financing that scales with your real-estate ambitions.
Learn more Business ownersSelf-Employed Mortgages
Your income is real. We just need the right lender to see it.
Learn more Flexible solutionsPrivate & Alternative Lending
When the answer from the bank is no, there is still a plan.
Learn more Access equity fastSecond Mortgages
Tap your equity without touching your first mortgage.
Learn more Build or improveConstruction & Renovation
Financing that funds the home you are creating.
Learn more
The mission
Only 66.5% of Canadians own their home. I'm here to make you one of them.
Homeownership is still the clearest path to long-term wealth in Canada. My job is to get you in the door — with a mortgage built to keep you there.
Let's make you a homeowner Run the numbers
Try the mortgage payment calculator.
Accurate to Canadian rules — semi-annual compounding, CMHC premiums and payment frequencies. Estimate only.
Monthly payment
$3,486.22
Down payment$150,000 (20%)
Total mortgage$600,000
Total interest (over amortization)$445,865
Total of payments$1,045,865
Estimate only — not a rate quote or loan approval. Your actual numbers depend on your full application.
Recognition
Backed by an award-winning brokerage.
Client reviews
Read all 36 on Google
5.0 stars, and every one earned.
Real Ontario clients — first-time buyers, renewers and business owners — who compared instead of settling.
★★★★★
"Patricia made our first home purchase feel simple. She compared dozens of lenders and got us a better rate and terms than our own bank offered. She explained everything in plain English and was always a text away."
Amanda R.
Whitby, ON
★★★★★
"We were renewing and about to sign the bank's offer. Patricia found us a noticeably better option and showed us the math side by side. Genuinely saved us thousands over the term."
David & Priya M.
Toronto, ON
★★★★★
"Self-employed and thought a mortgage would be a nightmare. Patricia knew exactly which lenders work with business owners and built a strategy around my income. Approved and funded without the runaround."
Marcus T.
Oshawa, ON
On Instagram
Follow along @pinto.mortgage
Market notes, mortgage tips and behind-the-scenes — in plain English.
Free guide
The Ontario Home Buyer's Playbook
Down payments, the stress test, land transfer tax, and the mistakes that cost buyers thousands — in one plain-English guide. Delivered straight to your inbox.
Get the guide Investor Club
Building a real-estate portfolio?
Join my investor community for financing strategy, market notes and the thinking behind scaling a portfolio — delivered through my newsletter, no noise.
Join the Investor Club Good questions
Answers before you ask.
Everything clients want to know before we talk. Still curious? Just call or book a chat.
Do I pay you for your services?
In most cases, no. I'm typically paid a finder's fee by the lender once your mortgage funds — not by you. If a file ever requires a fee (some private or complex deals), I tell you up front and in writing before any work begins.
How is a mortgage agent different from my bank?
Your bank can only offer its own products. As a licensed agent with Sherwood Mortgage Group, I take one application and compare it across 90+ lenders — banks, monolines, credit unions and alternative lenders — so your file competes for the best combination of rate and terms.
Will applying hurt my credit score?
A single credit check has a small, temporary effect. I only pull your credit once and use that same report to shop multiple lenders, so you're not dinged repeatedly. I'll always ask before running it.
How much do I need for a down payment?
In Canada the minimum is 5% on the first $500,000, 10% on the portion from $500,000 to $1,500,000, and 20% on any amount above $1,500,000. Under 20% down requires default (CMHC-type) insurance, which is added to your mortgage.
What is the mortgage stress test?
Lenders must qualify you at the greater of your contract rate plus 2% or 5.25%. It confirms you could still afford payments if rates rise. My affordability calculator applies this automatically.
I'm self-employed — can I still get a mortgage?
Absolutely. Business owners just need the right lender and the right documentation strategy. I know which lenders understand self-employed income and how to present your file so it gets approved.
How long does approval take?
A pre-approval snapshot can often be done within a day of receiving your documents. Full approval timing depends on the lender and your file, but I keep things moving and keep you updated at every step.
Let's build your mortgage strategy.
One conversation. 90+ lenders. Zero obligation. Book a call or start your application whenever you're ready.