Being a first time home buyer I was walking into a world I knew very little about. Rico was recommended to me by a co-worker who spoke very highly of him, and I was not disappointed. Rico was personable, knowledgeable, and always quick to respond to questions/concerns and to update on the mortgage process. Our transaction was done solely over the phone and online which was extremely helpful with living and buying on Manitoulin Island. I would recommend Rico to any friends or family!
Thank You Rico.
Sometimes in life things change. Recently separated I needed to transfer a mortgage to my name only. Dealing with a major bank lender in this situation became stressful and also very time consuming. I decided to explore your services and contact was made via you’re web site. The best part of dealing with you was the process of the application and the easy steps that followed to get to the closing deal needed. Most of process was completed on line and this was also helpful having a busy career with limited time.
My questions and concerns were always answered. All my calls and emails returned quickly. Every detail explained in a courteous and professional matter.
Having been a loyal customer with my previous lender for over 20 years with a positive credit score it was a huge surprise to obtain a lower interest rate with HQ Mortgages.
Every situation is different. Give him a no obligation call. He was able to save me time and money. Rico might be able to do the same for you.
I highly recommend the services of Rico at HQ Mortgages.
Sincerely Mike Laforge.
I'm so happy we found this guy randomly. I didn't know what I was getting myself into and he exceeded all my expectations. I had a difficult mortgage to deal with and he was able to fix all my challenges. He's hyper and always upbeat but extremely organized with an online checklist and dropbox- I would highly recomend him to anyone.
It was my first time dealing with a mortgage broker and i didnt know what to expect. I got a friendly and knowledgeable person (Rico) on the phone. He informed me how every step of the process would roll out. He helped me through the process too. He listened to what my goals were and knew exactly what i needed. I have to say the best experience I've ever had dealing with getting a mortgage financed literally zero stress. Smooth and efficient and made me feel totally comfortable and at ease. He got me better results than i ever thought possible. Thanks again Rico!!
Rico has been professional, knowledgeable and most importantly patient through out the entire process of purchasing our first home! We would highly reccomend him to anyone looking for a wicked rate & service with a smile.
Rico was great to deal with. He got things done quickly and efficiently. I was having a hard time getting a mortgage for a second property so deceided to go with a broker and gave Rico a call. I recommend dealing with him and i definitely will be using him again in the future, tks again Rico.
I usually only rate people I have horrible experiences with but Rico was great. Informative did what he could to make sure we weren’t wasting our time. Gets back to you promptly even out of business hours. Worked around our busy schedules. In the end he got the job done as quick as you can get these things done.
Personable friendly great service.
Rico was amazing to work with. He went above and beyond to help us secure a good mortgage at a great rate. I was always able to count on him when paperwork was needed. Anyone needing help with a mortgage, this is your man.
As first time home buyers, we didn't really have any idea of what exactly we were getting into.
It was a very stressful time and we had issues with a different mortgage broker - luckily when we consulted with Rico - he took the time to explain everything. He made us feel at ease and took everything step by step.
He was quick, stayed in touch, and even followed up.
I would highly recommend him for his professionalism, expertise, and friendliness.
I got the house of my dreams thanks to Rico!
Rico is extremely good at his job. We moved our mortgage with him at a very stressful time and Rico made us feel comfortable and took all of the stress out of the process. He did such a great job we returned and used his services a second time, and we will continue to see him in the future. Keep up the great work Rico.
Rico talks the talk. He worked hard to help me. If it's possible, Rico will make it happen. He was very good at finding the right lender for me. He has also become a good friend. If you need a Mortgage Broker be sure to call Rico.
A friend of mine recommended Rico after her great experience. I was incredibly intimidated by the thought of home ownership on my own as a mid-twenty-something female & a first time home buyer.
Rico took the time to explain to me the process, how he works, and the difference between him & the bank. Being a independent sales broker myself I was already aware of the benefits of dealing with a mortgage broker as compared to sticking myself at the banks. My number one concern was getting into the best mortgage that would fit my lifestyle meanwhile getting me the best deal possible.
All of our meetings were incredibly accommodating and with my incredibly busy schedule it was great that I was able to deal via E-mail for a lot of the stuff that he needed.
When I finally found “The one” (home) Rico was quick to respond and just as excited as I was with the entire process! Especially given that the deal I had wasn’t your typical real-estate deal Rico was very knowledgeable and put any concerns I had at ease. The final approval was done in a timely manner and he kept me up-to-date by email with anything that came up.
He not only followed up just after closing but also when my first payment went through with a little blip (they pulled the accelerated & I requested non-accelerated) Rico was very quick to respond & fix the situation!
When I started my home buying process I wanted the complete package: A real estate agent who would be as enthusiastic and excited about this entire process as I was and a mortgage broker who would be as happy for me as I was with this next chapter in my life. That’s exactly what I got and could not be happier with the entire process to date!
Thank you Rico for all the hard work put in to getting me my second mortgage. Strongly would recommend anyone looking for a mortgage to visit Rico. I will definitely be coming back here for any future mortgage needs
Rico was awesome and very efficient through the entire process. a few days before recieving my keys he called me to tell me he called the mortgage company and got me an even lower rate when he didnt have to! I would highly recommend him to anyone.