Mortgage Strategy That Supports Your Goals

Work with our Award-Winning Mortgage Experts
and find the solution that works for you!

Work with our Award-Winning Mortgage Experts and find the solution that works for you!

Happy Clients

Getting you the mortgage you deserve

    
 
 
        Natalie 
 May 21, 2026
 
 
  My husband and I reached out to Ana when we were exploring options for a home equity line of credit or loan. She guided us through the application process, was very responsive to our questions, and helped us better understand the different structures and options available to us. We appreciated her patience, professionalism, and willingness to walk us through everything clearly.
  
 
       Patti MacArthur 
 February 2, 2026
 
 
  Ana is so knowledgeable and provides information in a way that is easy to understand.  Ana asks the questions I didn't think of!  The information and guidance that Ana provided allowed me to make a decision that worked for me. Would absolutely recommend using Ana as a mortgage broker.
  
 
       Brittany Andrews 
 January 23, 2026
 
 
  We highly recommend Ana as a mortgage broker! Over the past 10 years she has helped us with several mortgage renewals and purchases. Each time we have been so thankful to work with her and could not be happier with the results. Ana is knowledgeable, transparent and puts her clients first. It is clear that she truly cares for her clients and enjoys what she does. If you are looking for a mortgage broker, we 100% recommend Ana!
  
 
       Kayla Kneisel 
 November 6, 2025
 
 
  As a first-time homebuyer, choosing a mortgage broker was a critical decision that I put a lot of research into. Ultimately, it led me to Ana who not only met all my criteria for deep expertise, but she also shows a commitment to keeping her clients up to date on market changes and puts effort into education, something that was particularly valuable to me. Ana made my first home purchase smooth and when it came time for renewal under new circumstances, she provided me with thoughtful, creative options for how to approach it and then guided me through it. A home purchase is inherently stressful but Ana was always highly responsive and clear in her communications; her calm expertise was exactly what I needed throughout the process and I highly recommend her to anyone seeking a mortgage broker.
  
 
       Tabitha Macdow 
 November 4, 2025
 
 
  Ana is responsive, professional and goes above and beyond for her clients!! Highly recommend her services to anyone in need.
  
 
       Andrew MacLean 
 October 20, 2025
 
 
  Ana and her team were absolutely amazing to work with! Prompt in replying back to us at all times, walked us through the process in a friendly and helpful way, ensured we understood all the options and took care of everything behind the scenes for us once we made a decision. 100% hassle free experience and I had full confidence that she had our best interests at heart. Highly recommended and looking forward to having another opportunity to work with Ana again in the future!
  
 
       Carlo Parise 
 September 11, 2025
 
 
  I've had the pleasure of working with Ana now for over 15 years. During this time her professionalism, attention to the needs and looking at the best suitable option for her customers are second to none! I highly recommend her anything mortgage related!
  
 
       Max Zhu 
 May 20, 2025
 
 
  Ana is one of a kind. She is honest, transparent and willing to do everything so that her clients have the best information to make their financing decisions. Her speed and intelligence about the evolving interest rate market makes her incredibly unique in a crowded field in the GTA. Would highly recommend to family and friends.
  
 
       Aaron Avelar 
 December 27, 2024
 
 
  Easy to work with, and helped us navigate around the confusing process of getting our first home mortgage going!
  
 
       Kristine Medlar 
 August 28, 2024
 
 
  So grateful for Ana!! Ana has been our Mortgage broker for almost 10 years now . .and we will never use anyone else. She is extremely knowledgeable and walks us through the steps with transparency and kindness. Truly, we feel that Ana is working for US to find us the best mortgage she can for our rather complex needs. We would not hesitate to recommend Ana’s services! Thank you Ana so very much!! 🥰
  
 
       Dennis Bolullo 
 July 5, 2024
 
 
  Ana really cares about people. I highly recommend her! She’s great :-)
  
 
       Dan Stuart 
 May 1, 2024
 
 
  Excellent service from Ana and her team! Very professional. Thank you Ana & Stacey.
  
 
       Rachel Crook 
 January 23, 2024
 
 
  Ana made the experience of buying our first home seamless. She supported us throughout every step of the process and we would happily recommend her and her associates to anyone.
  
 
       Yolla Yaacoub 
 November 10, 2023
 
 
  "When it comes to securing a mortgage, it really helps to have a champion on your side to go that extra mile and figure out all the complex stuff with professionalism and attentiveness."
  
 
       Betty D'Oliveira 
 September 20, 2023
 
 
  I can't thank Ana enough for working a miracle mortgage!  She was responsive and creative! I so appreciate Ana.  She's a fabulous mortgage broker!
  
 
       Terry Cox 
 April 15, 2023
 
 
  This was my first time dealing with Ana, and she was on top and kept me in the loop during the whole transaction on the financial end. Great working with her.
  
 
       David Saxby 
 March 7, 2023
 
 
  Working with Ana has been a great experience. She walked me threw all I had to do and explained everything very clearly for someone new to this. A true professional. Thanks again Ana.
  
 
       KRE8IT Design Studio 
 February 16, 2023
 
 
  Ana is a pleasure to work with! She's friendly, professional, and she knows her stuff. I wouldn't hesitate to recommend Ana.
  
 
       Roshan D'Souza 
 January 14, 2023
 
 
  Ana is a very experienced mortgage broker and  an awesome team lead. Ana's  knowledge of the mortgage industry is impressive and she was  always available to answer any questions or concerns.
  
 
       Dean Martin 
 December 1, 2022
 
 
  Ana and her team have helped many of my clients. They are exceptional , and highly recommended!
  
 
       Maddison Ranger 
 October 7, 2022
 
 
  Ana has been an absolutely pleasure to work with and I would highly recommend her! She has gone above and beyond for us as we secured a mortgage for our first home and we can’t thank her enough for help!
  
 
       Barry Sells Barrie 
 September 17, 2022
 
 
  Ana did a great job in assisting her buyer clients with their financing and kept the Realtors associated with the transaction updated and “in the loop” during the entire transaction from start to actual closing. I would recommend Ana Cruz anytime for professional mortgage advice and service.
  
 
       Tonya Pinkerton 
 September 12, 2022
 
 
  Anna helps me get mortgages quick for my clients.  Her knowledge helps make my job easier.  Thank you ANNA
  
 
       Adam Roth 
 August 9, 2022
 
 
  I have worked with Ana a few times - She has been so responsive in her communications and very thorough to ensure she captures the whole scope of what I am trying to achieve.  She discussed future plans with me as well as current objectives to ensure she recommended me the right product that fit my needs - 5 stars isnt enough - Ana has saved me money, and shes also guided me on how to make money. THANK YOU!
  
 
       Alex Robinson 
 July 21, 2022
 
 
  Ana is great. Highly informed and always happy to talk through the finer details. Would highly recommend.
  
 
       Jesse Gerva 
 June 9, 2022
 
 
  Talk to Ana and you will feel rich! It's incredible the number of options she is able to present us with every time we need to make a decision. Awesome customer service and amazing mortgage solutions. Thank you Ana, Stacey and team.
  
 
       Dharshan Krishna 
 April 4, 2022
 
 
  Ana and Stacey provided my family with a great experience during our refinance. They took the time to answer our questions (and we had many), as well were courteous and prompt when returning emails. We'll be recommending you to our friends.
  
 
       Jesse Carreau 
 March 14, 2022
 
 
  Ana and her team are very knowledgeable and work hard to make the home buying process a breeze! The monthly newsletters that Ana releases also provide great insight into the real estate market and we look forward to reading them every time. We couldn’t recommend them enough!
  
 
       Liana McAlister 
 February 16, 2022
 
 
  Ana and her team are always fantastic to work with and very efficient. We always recommend them whenever we get the opportunity. Thanks Ana!
  
 
       Joelle C 
 February 1, 2022
 
 
  Ana & Stacey truly are a dream team. They are experts in the field,  and always share their knowledge and provide the best advice - whether or not you are a first time home buyer, they have your best interest at heart. I couldn’t have asked for a better experience. They answered all of my (many) questions on several occasions, responsed promptly to any emails or phone calls, and helped me better understand all of my options when it came to selecting the best/suitable mortgage option for me and my family. They go above and beyond to ensure everything goes smoothly from start to finish, and I’m grateful to have had their help and support.
  
 
       Melissa D'Agruma 
 December 14, 2021
 
 
  Highly recommended!  I have relied on Ana and her expertise multiple times now and have never been disappointed!  She is so easy to talk to and eager to help no matter your situation.
  
 
       Carson Mundy 
 November 23, 2021
 
 
  Ana and Stacey have made the home-buying process a very enjoyable and stress-free experience! They were both quick to reply to all of our questions with extremely detailed and informative responses. I would recommend them to all of our friends and family, and will definitely be calling Ana and Stacey again in the future. Purchasing a home with their help couldn’t have gone any more smoothly.
  
 
       Desiree Ranger 
 September 23, 2021
 
 
  Ana Cruz and Stacey made this process so much easier for us.  They found us the right mortgage and answered all our questions.   Very professional team and one I highly recommend!
  
 
       Paulino s 
 March 5, 2021
 
 
  Ana is the best. After dealing with her I can never deal with a bank retail branch ever again. She is head and shoulders above the rest
  
 
       Anant Bhardwaj 
 February 28, 2021
 
 
  This was my first experience and one thing I can strongly say is you can trust Ana and team. Ana played a very important role in our home buying process. Be it her advise, responsiveness, meeting deadlines to make things happen, just everything was perfect. We thoroughly enjoyed and felt safe throughout the process. Ana’s touch points continued ever after we took possession of our property to make sure all went well and if we had any questions. I will strongly recommend reaching out to Ana and team. THANK YOU VERY MUCH! This was our best experience and we will continue to reach out to you for future needs.
  
 
       Shawna Houston 
 February 19, 2021
 
 
  Both Ana and Stacey have been AMAZING throughout the whole process!!!  As first time home buyers we cannot recommend them enough!!!! Very happy! :). You won’t regret it :)
  
 
       Mike deBoer 
 February 6, 2021
 
 
  Ana and her staff were very helpful helping me find a great mortgage!
  
 
       Michelle S. 
 January 4, 2021
 
 
  Ana is a true professional.  She is knowledgeable and responsive and someone I trust as a resource for such important decisions. I highly recommend Ana Cruz.
  
 
       Andrew Y 
 December 15, 2020
 
 
  Ana and her team are super responsive and on the ball 24/7. Very thorough and professional. Im glad I chose them initially. As a first time home buyer they have been very patient and answered all my questions in a timely manner.
  
 
       J Allen 
 December 11, 2020
 
 
  Within 48 hours, not only did I have my first-ever pre-approved mortgage, but I also had all my questions (and there were many!) answered. This was done with a great deal of patience, professionalism, and thoughtfulness. Highly recommend.
  
 
       Jordan Camilleri 
 December 10, 2020
 
 
  They are the Best! Process was easier than I ever imagined!!!!
  
 
       Desiree C 
 August 13, 2020
 
 
  We used Ana’s services for the purchase and selling of our current home. What an incredible experience we had from start to finish. Ana and Stacey were so diligent with everything to get our mortgage approved, provide an incredible rate and getting our bridge all set for our purchase. These ladies worked their magic nonstop and ensured we had everything set for our lawyers. If we ever had any concerns, Ana always made the time to have a call with us whether in the morning, afternoon or even late at night once we both finished work! We highly recommend Ana and her team for anyone’s mortgage needs. Such a personal touch and much better than going through a bank! - Desiree and Matt
  
 
       William Chyz 
 March 13, 2020
 
 
  Ana and Stacey are top notch and total professionals. They held our hand throughout the whole process and went to bat for us right at the finish line to secure us the best possible rate. Would absolutely recommend them to anyone looking for a mortgage.
  
 
       Nancy Fadayel 
 March 9, 2020
 
 
  Professional, Knowledgeable, and amazing customer service.
  
 
       Gregory Hourigan 
 March 5, 2020
 
 
  My wife and I were recently referred to Ana by our realtor to help finance the purchase our first home. From start to finish, we were blown away by their level of service and expertise. As we soon learned, getting a mortgage as first time home buyers is no simple task - but Ana and her team helped us breeze through the entire process with ease. In my 10 years of working in the financial services industry, I've come to know the difference between mediocre and exceptional client service models, and this team is without a doubt at the very top-end of the latter! 5-stars!
  
 
       julie condotta 
 February 8, 2020
 
 
  A few years ago I was lucky enough to have been introduced to Ana, she has helped me so much over the years. I can’t say enough good things about her, she really works hard to help you and truly wants the best for her clients. I recommend her to  everyone!!
  
 
       Jon Stikka 
 August 27, 2019
 
 
  A great team with a great process.  Working with Ana and her team was a pleasure, would highly recommend!
  
 
       Michelle Naranjo 
 August 6, 2019
 
 
  Ana Cruz is one of the most capable, professional and honest person we have ever met.  It was a pleasure dealing with her directly.  We had some communication issues with her team, hence why are are not giving a 5 star rating.  However, overall a fantastic experience and would still recommend Ana to anyone who needs a mortgage broker.
  
 
       Russell Willmot 
 August 4, 2019
 
 
  Ana and her team were great to work with. They explained everything we needed to know about our mortgage in a clear and concise manner. And they worked hard to get us a great rate for our first mortgage. Thank you so much!
  
 
       Marty 
 July 31, 2019
 
 
  We were referred to City Mortgage Group and were completely satisfied with their recommendations and customer service.  They crafted a unique bridge plan for our situation and customized their approach to our requirements during our house buying phase.  Ana was excellent and has a great support team in Stacey and others. Thank you for your help and gudiance through our house buying experience.  We would definitely work with and recommend the team to anyone thinking of buying or selling.  They also have other service offerings as well.  Professional, high communication, knowledgeable.
  
 
 
  
 
 
   Google rating score: 4.6 of 5, based on 176 reviews

“My approach is simple: understand what matters to you, explain your options clearly, and help you make a mortgage decision that supports your life — not just today, but over time”

A mortgage is about more than getting approved or finding a rate. It is part of your larger financial picture, and how it is structured can affect your cash flow, flexibility and future options.

Whether you are buying a home, renewing, refinancing, self-employed, accessing equity or navigating a more complicated financial situation, my role is to help you understand what is possible and determine what actually makes sense for you.

Sometimes the right solution is straightforward. Sometimes it takes a little more strategy and creativity. Either way, you should understand your options, the trade-offs and why the recommendation makes sense.

My team and I work with mortgages every day. You don’t — and we never forget that. We take the time to explain what is happening, answer your questions and guide you through the process so you can make decisions with clarity and confidence.

Meet the Team

“My passion and focus; taking care of people and ensuring they have what they need, whether financially or in life. If I can help, I will.”

Everyone should invest in real estate, whether it’s your first or 10th home. You need someone who not only talks the talk but walks the walk. My team and I are experts at guiding you through financing your next home or investment property, and we look forward to helping you build your portfolio.

We are committed to helping our clients throughout the financing process. We are confident that they appreciate the attention to detail, guidance and time spent during every step of their mortgage experience.

We do mortgages every day, you don’t, and we remember that. We take the time to help you understand what’s happening every step of the way.

Meet Ana

“My passion and focus; taking care of people and ensuring they have what they need, whether financially or in life. If I can help, I will.”