Mortgage

I was very upset with my experience with Mortgage Experience back in 2015. I am in my early twenties and was looking to purchase my first home on my own without needing anyone to cosign. I was referred to Jodie by one of the real estate agents of a house I was interested in. Jodie pre-approved me for a mortgage and I began shopping based on that pre-approval. I completely understand that pre-approvals are not a guaranteed thing however I placed an offer on a house. The offer was made conditional upon financing. I then got all my paperwork together for Jodie and went to her office to sign all the necessary papers. I had my mom with me and my mom SPECIFICALLY asked if this meant I was good to go, that I wouldn't need anyone to cosign and was approved for the mortgage 100%? Jodie said that yes, I was good to go. I then had a home inspection done the following day and solidified my house offer because my conditions were met. Jodie then called me to inform me that I hadn't been approved for the mortgage and would need to either present more income or have someone cosign. I was furious. I am lucky enough to have a parent that was able to sign for me but A) that is NOT what I wanted, I was attempting to be an independent adult and not need my mothers signature and B) had I not been so fortunate to have someone in my life with the necessary credit score to sign, I would have then been locked into a deal that I now don't have financing for. My financial adviser at the institute that my mortgage is actually through was appalled that Jodie had said I was approved after only receiving my paperwork and not actually running it through. Long story short, go directly to the bank. You're better off for it.

Lack of customer service. Very slow. I think it's wrong not to have any male tellers and extremely sexist. I've been mullltiple times to this branch and the tellers can't answer my questions straight and full.

Everyone at the office was professional and very personable. Nick went above and beyond, was efficient and always available in helping complete a more complicated refinance .

My favourite bank 😄

Frank is amazing and has helped me and my family greatly with our mortgages.

Rich did a fantastic job working with my wife and I to get us such a good rate. With his work, we'll end up saving thousands over the life of the mortgage. He was always easy to reach, always got back to us quickly - answering our first time home buyer questions, and of course very professional. It was a pleasure working with Rich, and I know that come renewal time, Rich will get us another great rate.

Margaret is the best! Thank god my real estate broker recommended me to her. I also applied thru TD and after observing my service with Marg vs. TD - no comparison. TD nearly screwed up my deal, Marg came thru with flying colours and got me way better than the bank and way better service btw! Another great thing, she gets back to your right away, vs TD who I never could get hold of. I'll never use a bank again after dealing with Marg.

Great helpful staff.