A mortgage agent who used to write rate letters.

I've been a mortgage agent since 2017, but I started on the other side of the desk. CIBC first, then TD (back when it was still MBNA Mastercard). That's where I learned how renewal letters get drafted and why the rate on yours is rarely the bank's best one. The letter isn't written for you. It's written to be accepted.

Today I work as an agent with Mortgage Alliance. Before mortgages, I spent years in financial analysis, and that lens still shapes how I work. The numbers come first. Every file I take on gets treated like a financial decision, not a sale.

I'm a Level 1 mortgage agent in Ontario, which means I work with institutional lenders — banks, credit unions, monolines, B-lenders. That covers the great majority of what people need. The files I can't help with directly (private mortgages, certain investor situations) get referred to a Level 2 colleague rather than forced into the wrong shape.

I live in Stittsville with my family. English and French are what I work in most days; I also speak Haitian Creole when it helps. Most of my clients come to me through referrals from past clients, usually after a renewal or refinance worked out the way I said it would.

Outside of work, you'll mostly find me on a soccer pitch. I coach youth soccer in Stittsville.

None of that has anything to do with mortgages. Except it kind of does. The same patience that runs a kids' soccer practice is the patience that walks a first-time buyer through their first pre-approval. The same focus on the numbers I built up in financial analysis is what keeps me from selling someone a product that doesn't fit them.