Let's Get You Closer To Your Dream Home

Looking for a mortgage in Ontario? You’re in the right place. I specialize in helping homebuyers, homeowners, and investors across Ontario secure the right mortgage solution for their unique needs. Whether you're buying your first home, refinancing your current mortgage, consolidating debt, or investing in property, I’ll guide you through the process with expert advice and personalized service. My goal is to make mortgage approvals simple, stress-free, and tailored to your financial goals. Let's get you one step closer to homeownership today!

A family moving in to their new home.

Homebuyers

See how much you qualify for in today's market.

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Today's Rates

See if the time is right for you to purchase or refinance.

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Refinance

We can help you lower your rate or take cash out.

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Loan Programs

Learn about different types of home loans.

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RUEBEN MURRAY

Your Preferred Mortgage Agent

A Caribbean native with a robust entrepreneurial background, Rueben holds invaluable experience in financial management and customer service.

As a diligent advocate for clients, Rueben understands that each individual or family has unique financial goals and circumstances. Whether it's a homebuyer navigating the market for the first time or a seasoned investor seeking optimal financing solutions, Rueben provides personalized attention and tailored advice to ensure the best possible outcomes.

RUEBEN MURRAY

Your top mortgage questions, answered

Common types include conventional/high ratio, open, closed, convertible, hybrid and reverse mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.

A fixed interest rate stays constant throughout the mortgage term, leading to predictable monthly payments. An adjustable interest rate can change periodically, causing fluctuations in monthly payments.

Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.

While it may be more challenging to qualify for a mortgage loan on the with bad credit, there are still options available. "B" side and private lenders have more flexible credit requirements, and there are lenders who specialize in working with borrowers with less-than-perfect credit.

What our clients are saying

Ann Smith

Hi, just a note to say thanks for all you have done for us throughout this process. As first time buyers, we had a lot of unanswered questions regarding the purchase of our home. Thank you for providing the answers to many of these and giving us informed advice on the homes that we visited!