Hi, I'm Patricia.

I'm Patricia Pinto, a licensed Mortgage Agent Level 2 with Sherwood Mortgage Group Inc., serving clients across Ontario (GTA + Durham Region). My whole approach comes down to one belief: a mortgage should be a strategy built around your life, not a product sold off a shelf.

Banks can only offer their own rate. I take one application and put it in front of 90+ lenders — big banks, monolines, credit unions and alternative lenders — then negotiate the structure that actually fits your goals: the right term, prepayment room, penalty type and amortization.

Whether you're buying your first home, renewing, refinancing, self-employed, or building a rental portfolio, you work with me directly from the first call to funding day. No call centres, no handoffs — just clear advice and someone accountable for the outcome.