Bilingual Mortgage Agent · Kitchener-Waterloo
The mortgage broker who understands you
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Dominion Lending Centres Elite Mortgage Group · FSRA Lic. #13669· Independently Owned and Operated
WHAT WE DO
Mortgages for every situation.
Whether you're buying your first home, refinancing, or need a private solution, we match you with the right lender. Not the easiest one.
First-Time Buyer
Step-by-step guidance, pre-approval, and lender matching for your first purchase. No jargon, just clarity.
Learn more: First-Time BuyerSelf-Employed
Bank said no because of non-traditional income? We work with lenders who specialize in self-employed situations.
Learn more: Self-EmployedRefinancing
Access your home equity, consolidate debt, or secure better terms. We review your options across the full market.
Learn more: RefinancingPrivate Mortgage
Second mortgages and private solutions for property tax debt, urgent financial needs, or credit recovery.
Learn more: Private MortgageNew to Canada
Recently arrived? We help newcomers understand the Canadian mortgage system and get into homeownership faster.
Learn more: New to CanadaMortgage Renewal
Renewal time is an opportunity. We shop your mortgage across lenders so you don't leave money on the table.
Learn more: Mortgage RenewalSPECIALIST FOCUS
For the clients the banks ignore.
If you speak Spanish, you've had to navigate financial systems alone, in a language that wasn't yours. That changes here.
THE PROCESS
Four steps. No surprises.
STEP 01
Free Consultation
A 30-minute call to understand your goals, income, and timeline. No commitment. Available in English or Spanish.
STEP 02
Market Search
We compare options across 90+ lenders to find the right product for your specific situation, not just the easiest one.
STEP 03
Mortgage Application
We package your application, manage the underwriter, and keep you informed at every single stage of the decision.
STEP 04
Completion
Keys in hand. We stay in touch, and call you months before your renewal so you're never caught off guard.
Janice Mejias
Mortgage Agent Level 1
WHY JANICE
Advice you can actually trust.
En inglés y en español.
I became a mortgage agent because I watched people in my community, hardworking, serious, deserving, struggle to get proper guidance in a system not built for them. That's who I work for.
Fluent in English & Spanish
Every conversation happens in the language you're most comfortable with. No translator needed.
Access to 90+ Lenders
Banks, credit unions, trust companies, and private lenders, we find who will actually say yes to your situation.
Specialist in Complex Income
Self-employed, contracts, cash income, foreign history, we know which lenders work with your reality.
No Bank Pressure. Ever.
The lender pays us on completion. Our advice is free to you, and 100% unbiased.
Licensed · Dominion Lending Centres
Fully licensed Mortgage Agent Level 1, backed by one of Canada's largest mortgage networks.
JANICE TV
Straight talk on the market.
Weekly breakdowns of rates, housing news, and what it actually means for your mortgage. In English and in Spanish.
WHAT CLIENTS SAY
Rated 4.9 on Google.
“Janice helped us when three other brokers said it was impossible. Self-employed, 2 years of books, she found us a lender and we closed in 5 weeks. She explained everything in Spanish. Absolutely incredible.”
Miguel R.
Self-employed · Kitchener
“We had property tax arrears and had no idea what to do. Janice arranged a second mortgage in 10 days. Honest, fast, zero judgment. We don't know what we would have done without her.”
Luis & Carmen V.
Homeowners · Hamilton
“First time buying in Canada. We were so lost. Janice walked us through everything in Spanish, step by step. She called us before our renewal too. We will never use anyone else.”
Alejandra P.
First-time buyer · Mississauga
FREQUENTLY ASKED
Answers before you call.
Everything you've been meaning to ask, answered honestly.
Ready to find your path to homeownership?
Book a free 30-minute call. No fees, no commitment, no hard sell.