Maria Lacayo Mortgage Agent Level 1
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Maria Lacayo Mortgage Agent Level 1
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Welcome. Bienvenido.

Whether you’re refinancing, self-employed, or buying your first home, I make the mortgage process simple, clear, and stress-free.


Ya sea que estes refinanciando, trabajador por cuenta propia o comprando tu primera casa, estoy aqui para hacer el proceso de hipoteca simple, claro y sin tanto estres. 

Services

First-Time Home Buyers / Tu Primera Casa

Mortgage Renewals & Transfers / Renovacion y Transferencia Hipotecaria

Mortgage Renewals & Transfers / Renovacion y Transferencia Hipotecaria

Stop Renting, Start Owning: Your First Mortgage Made Simple.


Buying a first home is confusing, stressful, and involves big unknowns (stress test, down payment rules).

Let me guide you step-by-step from pre-approval to closing, securing the best rate and structure for their future.

Get Pre-Approved today

Mortgage Renewals & Transfers / Renovacion y Transferencia Hipotecaria

Mortgage Renewals & Transfers / Renovacion y Transferencia Hipotecaria

Mortgage Renewals & Transfers / Renovacion y Transferencia Hipotecaria

Don't Just Sign Your Bank's Renewal Letter. Save Thousands.


Most people accept their bank's first offer, losing out on better rates and terms available elsewhere.

I will shop the market for them, and handle the paperwork for a smooth transfer. 

Start Your Free Renewal Rate Check

Refinance your Mortgage / Refinanciamiento Hipotecario

Mortgage Renewals & Transfers / Renovacion y Transferencia Hipotecaria

Self-Employed Mortgage / Hipoteca para Trabajador de Cuenta Propia

Unlock Your Home's Equity for Your Goals (Debt, Reno, Investment).


If you need to access your home's value but don't know the best, cheapest, or most tax-efficient way to do it.

Lower your monthly payments, consolidate debt, or access your home equity — all with a personal strategy built around YOUR goals.

get your refinance plan

Self-Employed Mortgage / Hipoteca para Trabajador de Cuenta Propia

Self-Employed Mortgage / Hipoteca para Trabajador de Cuenta Propia

Self-Employed Mortgage / Hipoteca para Trabajador de Cuenta Propia

You Work for Yourself — Let Your Mortgage Work for You


Banks often make it difficult for business owners. I make it simple.
Whether you’re incorporated, freelancing, or a sole proprietor, I help you access flexible mortgage options that understand your income.

See your options

Mortgages for Newcomers / Hipoteca para Newcomers

Self-Employed Mortgage / Hipoteca para Trabajador de Cuenta Propia

Mortgages for Newcomers / Hipoteca para Newcomers

Welcome to Canada!

Bienvenido a Canada!


I help newcomers understand the mortgage process, qualify with limited credit, and buy with confidence.

start your journey

© 2025 Pegasus Mortgage Lending Center Inc. | Brokerage | FSRA License# 11479

© 2025 Maria Lacayo | Agent Level 1 | FSRA License #M25003012

*Rates subject to change without notice.


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