ThreeBestRated.ca
BEST RATED KITCHENER, ON MORTGAGE BROKERS FR

3 Best Mortgage Brokers in Kitchener, ON

Expert-recommended Top 3 Mortgage Brokers in Kitchener, ON. All of our mortgage brokers actually undergo a rigorous 50-Point Inspection, which includes everything from checking reviews, ratings, reputation, history, complaints, satisfaction, trust and price - all to ensure overall excellence. You deserve only the best!

JCMortgages.ca - Kitchener, ON Mortgage Brokers
JCMortgages.ca - Kitchener, ON Mortgage Brokers
JCMortgages.ca - Kitchener, ON Mortgage Brokers
Kitchener mortgage broker JCMortgages.ca video
6+ YEARS ON TBR
CALL EMAIL

JCMORTGAGES.CA

(4.9 Score)
Kitchener & Surrounding Areas,
Kitchener, ON N2A 0B2

Since 2005

Specialty:

✓First Mortgages ✓Second Mortgages ✓Mortgage Renewals ✓Refinances ✓Home Equity Lines of Credit ✓Private Mortgages ✓Debt Consolidation ✓Investment Property Mortgages ✓First-Time Home Buyer Mortgages ✓Cottage and Vacation Home Mortgages ✓Commercial Mortgages ✓Self-Employed Mortgages ✓Separation Financial Plans ✓Pre-Approvals ✓New-To-Canada Consultations

“ JCMortgages.ca is an acclaimed, comprehensive mortgage brokerage boasting a team of skilled professionals providing a five-star, full-service mortgage experience. Janna Dawdy, Principal Broker and Owner of JCMortgages.ca, is dedicated to facilitating an exceptional client journey that alleviates the stress associated with financial transitions. On top of being highly awarded, JCMortgages.ca is best known for its unwavering dedication to client appreciation and charitable community involvement. With Dawdy's 30 years of experience, the JCMortgages.ca team has extensive access to a diverse array of mortgage rates, choices, and market insights to secure competitive rates and favourable terms for your benefit. Their approach entails consultative services, tailored advice, and solutions that perfectly align with the individual demands of each client. Even after the closure of your mortgage, their commitment continues, as they keep you informed and reminded, ensuring you're reassured with the knowledge that they are just a phone call away. After your mortgage closes with JCMortgages.ca, you will have access to all their exclusive client perks, including Thank You Gift programs, family events, community fundraisers, and a multitude of client appreciation giveaways throughout the year. Their services extend to Waterloo, Cambridge, Brantford, Woodstock, Paris, Baden, New Hamburg, and numerous other locations. JCMortgages.ca is Your Mortgage Brokerage for Life. Janna Dawdy earned awards like CMP Top 75 Broker in Canada (2017-2024) and CMP Women of Influence (2016-2017, 2021-2022).”

Reviews | Play Video | Write a Review
CMP Top 75 Broker in Canada in 2017-2024
CMP Women of Influence in 2016-2017, 2021-2022
License #13637

Contact:

(519) 895-8416 (888) 832-7998

Mon-Fri: 9am - 5:30pm
Sat & Sun: Closed

TBR® Inspection Report:

Tracy Valko - Kitchener, ON Mortgage Brokers - Mortgage Broker Image
Tracy Valko - Kitchener, ON Mortgage Brokers - Mortgage Professional Image
Tracy Valko - Kitchener, ON Mortgage Brokers - Broker Team Image
Kitchener mortgage broker Tracy Valko - VALKO FINANCIAL LTD/ DOMINION LENDING CENTRES video
9+ YEARS ON TBR
CALL EMAIL

TRACY VALKO

(4.9 Score)
VALKO FINANCIAL LTD/ DOMINION LENDING CENTRES
137 Glasgow Street, Unit 227,
Kitchener, ON N2M 5E3 Directions

Since 2009

Specialty:

✓Mortgage Pre-Approval ✓First-Time Buyer ✓Home Purchase ✓Reverse Mortgage ✓Commercial Mortgage ✓Mortgage Insurance ✓Refinancing ✓Leasing ✓Credit Coaching ✓Mortgage Renewal ✓Debt Consolidation ✓Retirement Strategy ✓Renovation ✓Equity Take Out ✓Self-Employment Mortgages ✓Cottage Financing ✓Private and Alternative Financing ✓Low Rate Mortgage Renewals ✓Divorce or Separation ✓New to Canada ✓Buying or Selling a Home

"Tracy Valko is the founder of Valko Financial Ltd/Dominion Lending Centres, a well-known name in Canadian mortgage services. With 27 years of experience, Tracy is a dedicated and motivated finance professional. As a member of Mortgage Professionals Canada, she upholds empathetic leadership, honesty, integrity, commitment, and professionalism. Her influence spans Canada, fostering connections with Kitchener communities. She is a regular on City News Ask The Experts. Her accomplished team ensures an exceptional client experience. Valko Financial Ltd. assists newcomers, addresses bad credit and second mortgages. Their value includes education-based and paperless processes, pre-approvals, reverse/commercial mortgage expertise, and comprehensive insurance solutions. From first-time buyers to property owners handling Refinancing, Purchasing, or Land Transfer Tax, their services cover all. They're committed to credit coaching, renewals, and various loans, offering complete coverage. With Valko Financial, you're investing in a holistic financial partnership. Valko Financial Ltd. offers free initial consultations to discuss your mortgage needs and explore potential solutions without obligation. They work with over 40 lenders, including banks, credit unions, and alternative options, to secure the best fit.

2026 Highlights: Tracy has walked alongside more than 21,000 clients across Canada. She is fully licensed across the provinces, earning recognition as a Top 1% mortgage professional and a Top 75 Mortgage Broker of the Year honoree."

Reviews | Play Video | Write a Review
CMP Women of Influence 2016, 2022
Mortgage Professionals Canada Broker of the Year 2017
Dominion Lending Centres Hero Hall of Fame 2022, 2023
Top 75 Brokers in 2020, 2023
Nominated for KW Oktoberfest Women of the Year in 2020, 2022, 2023
Best New Brokerage of the Year in 2020
RBC Woman of Influence 2022
License #13717 | #2024-3000372

Contact:

(519) 745-8019 (844) 745-8019

Mon-Fri: 9:30am - 7pm
Sat & Sun: Appointment Only

TBR® Inspection Report:

Altrua Financial Inc. - Kitchener, ON Mortgage Brokers - Mortgage Broker Image
Kitchener mortgage broker Altrua Financial Inc. video
5+ YEARS ON TBR
CALL EMAIL

ALTRUA FINANCIAL INC.

(4.7 Score)
290 King Street East, Suite 125,
Kitchener, ON N2G 2L3
Directions

Since 2016

Specialty:

✓ Mortgage Brokering ✓First Time Home Buyers ✓Home Upgrading/Moving ✓Refinancing ✓Fixed and Variable Rate ✓Debt Consolidation ✓Investment ✓Renovations ✓Cottage ✓Private and Alternative Financing ✓Equity Take Out ✓Low Rate Mortgage Renewals ✓New to Canada ✓Bad Credit ✓Second Mortgages ✓B Lender Mortgages ✓Commercial Mortgages ✓Mortgage Financial Planning ✓Reverse Mortgages

"Altrua Financial Inc. is led by Brent Richardson. They are here to help make your mortgage experience a pleasant and educational one. Their unique and highly secure paperless systems allow borrowers to complete the entire process on their smartphone if they wish, alongside an industry-leading, local mortgage expert. They focus on providing the most competitive rates today, including fine print flexibility to ensure mortgage savings for the life of the mortgage. When there's a change during the mortgage term, whether it's a move, refinance, or renewal, they have their clients' backs to ensure the best possible custom solution. They constantly monitor the mortgage market, looking for opportunities to save over the long term. They invite you to experience the difference with a free, complimentary call. They give a special rate discount to ThreeBestRated Customers. Book a 10-20 minute introduction call with Brent Richardson. Brent Richardson is a Certified Financial Planner (CFP®) and has over 17 years of industry experience with 1900+ mortgages personally approved. Altrua Financial Inc. uses encryption and high-level security to ensure your information and privacy always remain safe. They guarantee the best mortgage rates in Ontario, or you get $500.

2026 Highlights: Altrua Financial Inc. provides fast, flexible mortgage approvals for complex applications and unique situations"

Reviews | Play Video | Write a Review
License #13005 | #M08006143

Discount:

Get a Special Rate Offer

[USE CODE: THREEBESTRATED]

Contact:

(877) 248-9210 (519) 894-4366

Mon-Fri: 9am - 9pm
Sat & Sun: 10am - 9pm

TBR® Inspection Report:

Video

Write a Review

Our Review Process:

  • All reviews matter:We publish both positive and negative reviews to provide a balanced perspective.
  • No censorship:Businesses cannot pay to remove or modify negative reviews.
  • Verification process: All reviews are checked for authenticity and compliance with our community guidelines before publication.
  • Fair representation: We display reviews of all ratings (1–5 stars) to help users make informed decisions.
  • Independence: We are not affiliated with the businesses we review and receive no compensation for favorable ratings.

Your honest opinion helps others make better choices. Whether your experience was excellent, average, or disappointing, we want to hear from you. For more details, check Community Review Guidelines

Contact Business

JCMORTGAGES.CA REVIEWS

Janna and Carrie were incredible to work with and turned out to be the shining lights in a complicated and stressful first-time buyer experience. They helped us navigate every step of the way and were communicative throughout the whole process which we really appreciated. They are super knowledgeable, had great attention to detail and were more than happy to answer all of our questions. They really made us feel taken care of and we will continue to go to them for all of our mortgage needs. Overall, it was a great experience to work with JC Mortgages and we can’t recommend them enough.

I just renewed my mortgage and JC Mortgages made the process and document collection super simple and straightforward. They are in your best interest getting you the best rate possible and that’s what they did. Mine even lowered right before I signed which was perfect. Can’t recommend them enough.

I can't say enough good things about my experience with Janna! She went above and beyond to make sure I understood and felt supported through my first home purchase. I highly recommend her to anyone looking for a mortgage broker who genuinely cares about their clients.

These reviews are provided for information purposes and to help you make informed decisions.

To share your experience, click here or send it to reviews@threebestrated.ca.

We will display both positive and negative reviews. All submitted reviews are published after verification for authenticity and compliance with our Terms and Conditions, Privacy Policy, and Community Review Guidelines.

TRACY VALKO - VALKO FINANCIAL LTD/ DOMINION LENDING CENTRES REVIEWS

Working with Tracy and Cindy for my first home purchase was amazing. They were so helpful, quick to respond and truly had my best interests in mind. I look forward to working with them again in the future. I highly recommend.

Working with Cindy and Tracy from the Valko team was seamless from start to finish. They were quick in getting our application sent off, timely with email and phone responses and very knowledgable. The experience was top notch, specifically after a rocky start to the mortgage application process with the bank. Thank you so much Tracy and Cindy! Looking forward to working together in the future.

We worked with Cindy at Valko Financial and it was the easiest and smoothest mortgage peocess I have ever gone through! Cindy did everything virtually for us, making it easy. Any questions we had she answered. This was my first time using a mortgage broker and not going through my bank, and honestly, it was totally worth the change. We got a great rate and amazing service. Thanks.

This was my first time working with a mortgage agent/broker. Tracy Valko made the whole process quick and easy! She was fast to answer emails and very helpful. I'm happy to have chosen the Valko Team. I would recommend their team for any of your mortgage needs. They care about their clients! - Daniela SC. Reply

ALTRUA FINANCIAL INC. REVIEWS

I was shopping around for the lowest mortgage rates for my upcoming mortgage renewal. My husband and I had already approached 2 other mortgage brokers but since Altrua advertised a lower rate than we were offered so far, I decided that there was nothing to lose so I made an appointment for a free consult. I spoke with Andrei and was soon impressed as he was not only professional and highly knowledgeable but was also friendly, patient, honest, and very efficient! Andrei's customer service was exceptional! He gave sincere, altruistic and practical advice that really showed he had his customers' best interest at heart. What a rare find that is these days. Highly recommend.

Andrei was recommended to us for our first mortgage, and we honestly could not have been more satisfied with his service and expertise. He was able to get us the best rate possible, as he promised, and always kept our best interests in mind. I will be recommending him to all my friends. Thanks, Andrei.

Applying for, or renewing a mortgage is stressful, but Andrei Barbarosa was absolutely amazing to deal with and helped to ease that stress. If you want to deal with a brokerage that is fair, honest, and doesn't make you feel pressured, Altrua Financial is absolutely who you should trust to help you with your mortgage needs.

TBR® Inspection Score Report

JCMORTGAGES.CA Total Inspection Points: 118/120
Business Images: 9
Complete Info: 9
Acknowledgments: 10
Contact Info: 10
Current Evaluation: 10
Exact Services: 10
Legitimate Ratings: 10
Location Proximity: 10
Review Analysis: 10
Reviews Accuracy: 10
Reviews Study: 10
Website Standard: 10

TBR® Inspection Score Report

TRACY VALKO - VALKO FINANCIAL LTD/ DOMINION LENDING CENTRES Total Inspection Points: 117/120
Acknowledgments: 9
Complete Info: 9
Current Evaluation: 9
Business Images: 10
Contact Info: 10
Exact Services: 10
Legitimate Ratings: 10
Location Proximity: 10
Review Analysis: 10
Reviews Accuracy: 10
Reviews Study: 10
Website Standard: 10

TBR® Inspection Score Report

ALTRUA FINANCIAL INC. Total Inspection Points: 112/120
Acknowledgments: 8
Business Images: 8
Complete Info: 9
Current Evaluation: 9
Review Analysis: 9
Reviews Study: 9
Contact Info: 10
Exact Services: 10
Legitimate Ratings: 10
Location Proximity: 10
Reviews Accuracy: 10
Website Standard: 10

We use cookies to improve your experience. By continuing, you agree to our Privacy Policy.