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Friendly Mortgage Agent Level 1
FSRA License #M25003012
Pegasus Mortgage Lending Center Inc.
FSRA License #11479
As a trusted resource for Ontario homeowners, I specialize in self-employed mortgages to help you find the best financing options.
Hi! I’m Maria Gabriela — your friendly mortgage agent here to provide stress-free mortgage solutions for Ontario homeowners.
As an expert in self-employed mortgages, refinancing, newcomer programs, and assisting first-time buyers, I prioritize creating a comfortable and supportive experience for every client.
My goal is to ensure you feel informed, understood, and confident in every decision you make.
I proudly serve Ontario homeowners and Spanish-speaking families who seek a mortgage professional that communicates clearly and genuinely cares.
My journey into the mortgage world didn't start with a desire to work in finance—it started with frustration.
Like many first-time buyers and Ontario homeowners, I experienced the overwhelming confusion of navigating the process alone. I sat across from a bank representative who only offered me one solution, one rate, and spoke in jargon that left me feeling rushed and undervalued.
That experience was my turning point. I realized that for most people, buying a home or renewing a mortgage shouldn't be a high-pressure sales transaction; it should be a process guided by a friendly mortgage agent who provides clear, transparent, and ethical advice.
My core purpose became simple: to ensure no one else feels lost or limited by a single institution's offerings, especially when it comes to self-employed mortgages.
Choosing a friendly mortgage agent is about selecting a partner for one of the most significant financial decisions of your life. While I may not have twenty years of experience yet, I offer something even more valuable:
Unmatched Dedication: I take on fewer clients to ensure I can dedicate 100% of my time and attention to your specific file. You will never feel rushed.
Education and Transparency: I promise to explain every term, every rate, and every condition clearly. We will work together until you feel confident and comfortable with the final choice.
Future-Proofing: I don't just find a rate for today; I help Ontario homeowners choose a mortgage structure that supports your financial life five and ten years down the road, including options for self-employed mortgages.
I'm here to be your advocate, your translator, and your trusted guide through the Ontario real estate landscape. Let's work together to make your next home financing decision clear and stress-free.

As a friendly mortgage agent, I shop the market for Ontario homeowners, comparing offers from over 20 lenders, including major banks, credit unions, and private sources, to help those seeking self-employed mortgages.

Unlike a bank representative tied to a single product, my role as a friendly mortgage agent is solely focused on your financial well-being, especially for Ontario homeowners and those seeking self-employed mortgages.

As a friendly mortgage agent, I negotiate on your behalf to secure the best rate and most favourable terms for Ontario homeowners, including options for self-employed mortgages.

As a friendly mortgage agent, I work with you directly every step of the way—no bouncing between departments, ensuring that Ontario homeowners, including those seeking self-employed mortgages, receive personalized support.
Please reach us at mortgage@marialacayo.ca if you cannot find an answer to your question.
As a licensed mortgage agent, I help you find the best mortgage product and rate for your situation by comparing multiple lenders, banks, and credit unions. I guide you through the entire approval process, paperwork, and negotiation to make your financing smooth and stress-free.
In most cases, my services are free to you, because mortgage agents are paid by the lender.
Only certain unique situations (such as private lending or complex files) may involve a fee, and this is always fully disclosed upfront.
Yes! I specialize in self-employed mortgages.
Even if your income on paper looks low due to write-offs or tax deductions, there are lenders who accept bank statements, gross income, or alternative income verification.
Typically:
1. Valid ID
2. Proof of income (paystubs, NOAs, business financials if self-employed)
3. Bank statements (usually 3–6 months)
4. Credit check authorization
5. Proof of down payment (for purchases)
For refinancing, additional documents such as mortgage statements and property tax bills may be required.
Yes! Many lenders offer New to Canada programs. You may qualify even if you:
1. Have limited or no Canadian credit history
2. Are on a work permit, PR in process, or newly landed
3. Have been employed for a short period
Down payment and documentation requirements vary, but I guide you through every step.
Yes. I work with alternative and private lenders who offer solutions when banks say no—especially for self-employed, credit-challenged, or non-traditional income clients.
Absolutely. Hablo español y puedo ayudarte con todo el proceso hipotecario, desde la consulta hasta la aprobación.
You can start by booking a free consultation, filling out a short application form, or calling/texting me directly. I’ll guide you step-by-step.