What We Do

Mortgages for every situation

Six ways Janice helps buyers and homeowners the banks overlook, in English and in Spanish.

For Business Owners & Contractors

Self-Employed Mortgages

Janice Mejias helps self-employed borrowers in Kitchener-Waterloo and across Ontario get approved for a mortgage using business income, bank statements, and stated-income programs that banks routinely decline.

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For Newcomers & Permanent Residents

New to Canada Mortgages

Janice Mejias helps newcomers to Canada qualify for a mortgage with limited Canadian credit history, using newcomer programs from banks and alternative lenders, with the whole process available in Spanish.

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For First-Generation Homebuyers

First-Time Buyer Mortgages

Janice Mejias guides first-time buyers in Kitchener-Waterloo through pre-approval, lender selection, and closing, with plain-language guidance in English or Spanish and access to 90+ lenders.

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Property Tax Debt & Urgent Solutions

Private & Second Mortgages

Janice Mejias arranges second mortgages and private lending for Ontario homeowners facing property tax arrears, CRA debt, or urgent financial pressure, often closing within days rather than weeks.

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Equity, Consolidation & Better Terms

Mortgage Refinancing

Janice Mejias helps Ontario homeowners refinance to access home equity, consolidate high-interest debt, or secure better terms, comparing options across 90+ lenders before recommending anything.

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Do Not Sign the First Offer

Mortgage Renewals

Janice Mejias shops mortgage renewals across 90+ lenders so Ontario homeowners do not sign their bank's first offer, which is typically not the best rate the market will give them.

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