Testimonials

Dear Stephen, Just a quick line to say thank you for all of your help and support during the transfer and re-financing of my family home following my recent separation. it was so reassuring to know that you were by my side to ensure that I got the best possible rate, that you were always available to answer my questions and deal with my concerns and that I had you as an active participant through every step of the transaction. This was a time of major life changes for me and i am thankful to you for being an amazing broker, but also an incredible friend.

 Regards Sylvia, Toronto, Canada. 

I would enthusiastically recommend Steve Codsi to any family member, friend or colleague who is looking for a mortgage.

Steve is a true professional:he is very generous in sharing his expertise about today's mortgage market, his wisdom - and his time. He really pays attention to and responds to the unique situation and concerns of each client. Steve's strong personal values and character are clearly reflected in his work. He is someone whose advice i know I can trust!

Steve builds life-long relationships with his clients and I would not hesitate to contact him with any questions that might arise, even after my closing.

Patricia Murphy, Assistant Professor of Christian Ethics, Toronto School of Theology. 

Stephen was AMAZING to work with. He is always very pleasant and SO helpful. He got me a lower mortgage rate than what I would have gotten myself. He responds to emails immediately unless he's tied up, but even so responds the same day. He expains things thoroughly. i would definitely recommend him to anyone. i could not have done it without him. he is AWESOME.  iris, from Oakville

Hi Stephen,  Thanks again for the fantastic service! We will definitely recommend you to anyone needing to refinance, and we will definitely call you up when our mortgage comes due in 3 years as well. Thanks for keeping in touch, Wendy & Neil, Toronto

Dear Stephen, I've written this recommendation of your work to share with others. Stephen has been a trusted advisor & a mentor to our family. He has steered us away from bad decisions, even when he could have gained from it. We really respect him & would highly recommend his work. He has saved us a lot of time & money. Jaso, Toronto

My experience with Stephen as my mortgage broker has been nothing short of remarkable. I moved to the Toronto area a few years ago & had a lot of worries regarding the housing market & buying a condo in the city. Then I was put in touch with Stephen. I received exceptional service from him both before getting my mortgage & afterwards. Anytime i had questions about rates & fluctuations etc, Stephen provided me with guidance & advice that helped to make my decision-making process much more informed & allayed a lot of my concerns. I have been extremely happy with the service I have received from him & in fact, because of that service, I have recommended him to others. He really has gone beyond what I would have expected from a mortgage broker & i am so glad i found him. Saira, Toronto

Stephen negotiated the mortgages for both my condo & more recently the purchase of our first house. On both occasions Stephen worked hard right down to the moment before closing to negotiate the best mortgage rate. His level of care & commitment to his clients is unparalleled, ongoing & very much appreciated.                                                              Jillian & Mike, Toronto

Stephen is one of these rare good guys. You'll know this the instant you meet him. As for the Mortgage advice he delivers, Stephen continues to excel beyond our expectations. Not only did he facilitate our first mortgage, he is directly involved in our second (and probably our third, and so on). I firmly believe you continue to seek someone out for what they do best when there's mutual respect & a bit of camaraderie. For Stephen, it's not just about the big numbers of mortgages, it's about his client relationships & delivering what's needed quickly, thoroughly & often with personal stories & anecdotes - a great way to learn from his years of experience. Russell & Leslie, Toronto

Stephen is the most honest person I have met. Stephen looks out for the interest of his clients. He is well versed in mortgages & got me the best mortgage when I bought my first house. I will recommend Stephen to anyone who is looking to get a mortgage.              Liztra, Toronto

I would like to take this opportunity to thank Stephen Codsi for all his support & effort in securing a mortgage for us. This was both an overwhelming & tasking effort for both my wife & myself. It seemed that the paperwork alone would be enough to overcome someone, but I must say that Stephen held steadfast & true & helped us through the long process. Stephen always had our best interest in which direction we should approach the lenders & always an understanding of why. You must appreciate his dedication to his customers & also the effort to understand & explain any situation that would arise. Thanks again for your fine support in our mortgage matter.                                                                                            Respectfully Bruce & Laurie, Toronto

Buying our first home was a huge undertaking. From our initial phone calls to our meetings. Stephen provided us with a wealth of knowledge that facilitated our first home buying process. He sourced the best deal for us & went over all the alternatives & thoroughly explained the pros & cons. His counsel & advice was informative & educational. After purchasing our home & realizing all the involved, time is hard to come by & we appreciate that Stephen always keeps up to date on the market & follows up regularly. It was a pleasure working with Stephen & we always highly recommend him to our friends, family & colleagues.                                 Neetu & Vikas, Toronto

My wife, my children & I immigrated to Canada in late 2009. As new immigrants, we were unfamiliar with the Canadian mortgage market. We were looking for a suitable home & we were prepared to put up substantial equity, but we needed help in evaluating our fianacing options. while our private banker offered a pre-approved mortgage, we wanted to make sure we were getting the best deal possible. Stephen was introduced to us by our realtor & he guided us through the process of getting a mortgage that responded best tour needs. even after our mortgage was booked, he helped us settle into our new home & personally linked us up with people who could help us get started with our new life. he has become a family friend & he continues to help us take advantage of the opportunities in the dynamic mortgage market. Best regards, Joey & Ester, Oakville

Hello Mr. Codsi, as you know, Marlene & I closed the sale of our home in November. We did not get the opportunity to thank you for the assistance you gave in our search for financing for our first home. Your personable approach & your knowledge of the industry lessened the challenge of obtaining a mortgage. We love our new home. Your patience with us, the first time buyer, is greatly appreciated. Your efforts did not go unnoticed, nor unappreciated. You are a definite asset to your field & i will not hesitate to recommend to any potential home buyer.         Yours truly, Robert & Marlene, Toronto

My name is David, & I recently purchased a townhouse in downtown Toronto. I chose Stephen Codsi as he came highly recommended from a friend & I understand why. As a first time buyer, I was initially overwhelmed by the whole process, but Stephen put my mind at rest. He answered all my email inquires promptly & kept in frequent phone contact. i was impressed by his knowledge base, sound advice & friendly nature. His personal approach & care of his clients extended to visiting my place of work to enable me to sign documents with a minimum of inconvenience. Even after the process, Stephen followed up to ensure i was satisfied with his services. I would not hesitate to recommend Stephen to friends & associates who are seeking a mortgage & was extremely happy with the entire experience with him as my mortgage facilitator,                                                                                                   Yours sincerley David, Toronto      

Our mortgage agent, Stephen Codsi, made finding a mortgage to buy our new home stress free. This was an enormous feat on his part since the sale of our old home and acquisition of our new home was full of many unforeseen twists and turns. For instance, the new house needed major foundation repairs and Stephen quickly acquired access to the funds we needed to cover the cost of the work. We ended up selling and buying a home in a very short time frame and Stephen was able to make everything come together quickly and painlessly. He advocated for us on many occasions and made sure that we were being taken care of on all fronts, whether it was concerning our mortgage, the lawyers we were dealing with or the real estate agents involved. Stephen often exceeded our expectations by being available whenever we needed him and always answering all of our questions until he made sure we were fully satisfied. It is very evident to us that Stephen Codsi is an incredibly hard worker who is dedicated to the satisfaction and well being of his clients. We highly recommend his services and we would like to thank him for helping us to realize our dreams with our new home.    Jonathan & Katherine, Ottawa     

With so many mortgage options out there, Stephen clearly knows how to differentiate himself from the competition. Besides offering very competitive rates, he understands (and cares) about client objectives, provides a wealth of financial knowledge, and recognizes the value of personal touch to client services.                                                                             Thanks! Ted & Bryna, Toronto

Hi Stephen, Although I have said it to you verbally, I would like to state in writing that i am 100% satisfied with the work which you have done for me in obtaining the appropriate mortgage financing for my needs. You have now done it on multiple occasions. Your work has demonstrated that you are a true professional with an excellent command of your craft. Please be assured that I am so confident that I will not consider another Mortgage Broker for my Friends, Family or Myself when the need exists to find a mortgage.                                  YOU ARE  OUR GUY!! Best regards, Daine, Jamaica

I have used Steve Codsi on several occasions to get me the best mortgage, Steve is very knowledgeable with respect to mortgage matters. Steve deals with me like a friend, he goes the extra mile to ensure that I am getting the best mortgage product & rate. Whenever i need a mortgage or re-financing, I do not need to think about whom to call. Steve keeps in touch with his clients all year round, he is always punctual,returning calls & emails promptly. I love working with Steve, & i have recommended my friends to him & I will continue to do so. Thank you, Kirk, Toronto

Stephen was of immense help in securing a home mortgage. My wife & i had a short timeline of a month to complete the transaction & this was compounded by the fact that I was travelling internationally during this period...Stephen managed to get the mortgage arranged despite these constraints & helped negotiate good terms with the bank. He was very prompt & responsive which made doing business with him a pleasure.Stephen had some valuable insights into the real estate market in Toronto, which was certainly an added plus for me as a first time buyer. I wholeheartedly recommend Stephen Codsi to anyone interested in securing a home mortgage.                                                                                                        Siva & Gayathri, Toronto

I have the pleasure in writing an open letter of reference for Stephen Codsi who helped my wife & I secure a fantastic mortgage on our first property. Stephen was actually recommended to us by a colleague who spoke highly of his commitment, professionalism & friendly manner in her dealings with him. we found these qualities to be just some of the great attributes that stephen brought to the table in our experiences with him. As first time buyers we were a little apprehensive about the whole process, but Stephen made us feel secure & comfortable through his advise & extensive knowledge about the system. He was always willing to answer questions, no matter how trivial we thought they might be, & was in reguiar contact with great experience when required. I connot recommend Stephen highly enough to anyone who is considering obtaining a mortgage & I am sure we will use his services again in the future. Robert & Laura, Toronto