Why Work With Toma?
Here’s what you get.
A boutique practice.
Toma Sojonky and his Mortgage Team generally limit their intake to ten mortgages per month, with most new clients accepted on a referral-only basis. This helps us maintain a high level of client service during – and long after – your approval.
A credit concierge.
No more branch hours or running around. We’re your independent, one-stop source for dozens of solutions across the mortgage lender spectrum. I am the same email, same phone number, same guy whenever your mortgage needs arise – for years on end.
A licensed expert.
Like your Realtor – and unlike a Bank employee – my team members and I are Provincially licensed mortgage brokers. We have duties of confidentiality, disclosure, looking for the most suitable solution, and prioritizing your best interests. I renew my licence every two years through a criminal background check, continuing education, and exams.
The cost.
BC Mortgage brokers are paid a referral fee for matching lenders with borrowers. Most all clients are placed with traditional “prime” lenders who pay me directly out of their pocket, not out of yours. In the case of alternative lenders, a fee is payable by the borrower. In any event, my compensation must always be transparently disclosed to you…and it’s not paid until the mortgage funds.
A white-glove approval process.
We’ve developed a mortgage approval experience that minimizes time, hassle and stress for both you and your Realtor/advisor. We make it happen with industry-leading technology and a commitment to “over-communication” – keeping you informed from the moment you connect with us, to the day your mortgage funds.
You are not a loan.
And we don’t just “fund” mortgages. We’re a boutique that manages your largest debt over the long term – like an investment advisor manages your assets. This means keeping in regular touch by offering annual mortgage checkups and pre-renewal reviews, to make sure what we designed still works for your life. This is a relationship.
Rate Insurance.
We regularly monitor rates across all lenders. And whenever the math shows us that you have a compelling savings opportunity over your existing loan, we’ll reach out. Your existing lender simply can’t do this; use an independent mortgage pro with access to choices.
Next-level mortgage strategies.
Reverse mortgages. A tax-deductible mortgage on your principal residence. Rental portfolio optimization. These are just a few of our strategies that fall outside the box.
Reach out today.
We listen to your challenges and goals and create custom solutions with your future in mind. While rates are important, we’ll protect you from fine print and teach you the other critical elements of a well-designed mortgage…whether it’s your first home, or your fourth investment property.