LUCIA GUGLIUZZI
Mortgage Broker
Whatever your situation, I find solutions that work
You Shouldn't Have to Figure This Out Alone
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Getting a mortgage today feels harder than ever:
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Banks keep saying "no" without explaining why or what you can do about it. You're drowning in jargon and conflicting advice from different lenders. Rates keep changing and you don't know if you're getting a fair deal. Time is running out—you found your dream home but can't get approved fast enough. Your situation is "complicated"—self-employed, credit issues, new to Canada, or going through life changes.
Here's the truth: The mortgage process isn't supposed to feel this confusing. With the right broker in your corner, it becomes simple, fast, and stress-free.
Why GTA Families Choose Me Over Big Banks
I Work For YOU, Not the Lender
Banks only offer THEIR products. I shop 40+ lenders to find YOUR best option—better rates, better terms, better approval odds.
Get Approved in 24-48 Hours (Not Weeks)
Time matters when you find the right home. My streamlined process gets you answers FAST so you don't lose out to other buyers.
20+ Years Fighting For Ontario Families
I've seen every market cycle and helped clients through every situation. Experience matters when your financial future is on the line.
Unique Cases Are My Specialty
Self-employed? Credit challenges? New to Canada? Income doesn't qualify at traditional banks? That's exactly where I shine.
When banks say "no," it's often not permanent - it's just a timing issue. My approach: Get you approved NOW with an alternative lender, then create a 12-24 month plan to transition you to a better rate with a traditional bank once your situation improves.
I go beyond just the mortgage: I connect you with trusted real estate lawyers, home inspectors, insurance brokers, and other professionals you'll need for a smooth closing. One point of contact, full support through the entire process.
Recent example: Client approved with alternative lender → 12 months later refinanced to 3.8% (major bank). Saving over life of mortgage thousands of dollars.