Translated from original Spanish review
In short: Choice Financial is an excellent mortgage brokerage, and Marlon is a blessing. I used the free "Canadian Mortgage App" and contacted Choice Financial. Marlon was the mortgage agent who handled my application. I cannot describe how wonderful my experience with Marlon was without telling my story. I was living in Toronto and wanted to buy an apartment in another city. Before trying the app, I had spoken with a dozen mortgage agents, from "choice champion" websites to random Kijiji ads and the most upvoted Reddit comments. Most of them, although they kindly explained what I needed to know about mortgages, gave me a firm NO because they do not work with mortgages below a certain purchase amount or outside Ontario (and below a certain purchase amount). One agent agreed to work on my application but wanted to charge me a service fee of more than $4,000.
Choice Financial was the second brokerage I was connected with through the app. The first was different, and its agent somehow made me feel insignificant. Yes, really. After speaking with that agent about my income and purchase price, I felt insignificant, as though I were begging for something unrealistically out of reach. The way he spoke to me on the phone made me feel that I was wasting his time and that he only answered my questions out of pity because his boss required him to. That is why I tried the app a second time. Second time lucky. I was connected with Choice Financial, and Marlon was assigned to work on my application.
For the first time, I received a yes, with no obligations or fees. But the best part was being treated as a valued client rather than a beggar. Marlon communicates very professionally and with great passion. You can tell that he does not simply work on your file; he truly helps you. Emails and phone calls were very efficient, and all the documents were signed electronically. Marlon secured an offer from a recognized, reputable lender. Although its requirements were tedious, Marlon made the process much easier; I did not notice any setbacks. The interest rate was also reduced before closing, even though the original rate had already been acceptable.
Throughout the entire process, from the first contact and phone call to the end, when I finally moved into my apartment, Marlon always explained everything clearly and in detail. He is highly competent and even advised me on matters that are not necessarily a mortgage agent's responsibility. Still, he exceeded every expectation and always made me feel like an exceptional client, unlike others.
There are always lenders willing to make you an offer; you just need to find a brokerage like Choice Financial and speak with someone like Marlon.
