Ian Mucignat

Mortgage advice you can trust

Providing the best mortgage products at the lowest cost for individuals, families, and businesses.
 

CLICK HERE for a FREE cost-benefit check up!

 

Honest, independent and unbiased advice

Ian Mucignat, CFA has worked in the mortgage industry since January 2000. His vast work experience at Banks and Lenders provides him a true “insider” look into the motivation and tactics of the lenders. This is important because it translates into real cost savings for his clients.

Learn more about Ian keyboard_arrow_right

Why you need a Mortgage Broker/Agent on your side
VIDEO: Why you need a Mortgage Broker/Agent on your side

 

Why you need a Mortgage Broker/Agent on your side

Video: Why you need a Mortgage Broker/Agent on your side


Honest, independent and unbiased advice

Ian Mucignat, CFA has worked in the mortgage industry since January 2000. His vast work experience at Banks and Lenders provides him a true “insider” look into the motivation and tactics of the lenders. This is important because it translates into real cost savings for his clients.

Learn more about Ian keyboard_arrow_right

 

LATEST POSTS


 

Blog post summary picture

By now you’ve probably heard on the news that there is another round of mortgage rule changes. These rules will be effective officially on January 1st 2018. Once banks and lenders have had a chance to digest the changes, they’ll roll out what it means in terms of timing. For example, if you purchase a house on November 10th and it doesn’t close until January 15th then which rules apply?

Read morechevron_right

  

Blog post summary picture

This week I will answer four questions on private mortgages:

1. What are private mortgages?
2. Why do people seek private mortgages?
3. What are the risks to the borrower?
4. What are the rates and costs?

Read morechevron_right

  

Blog post summary picture

There is a myriad of reasons why a mortgage applicant may not fit into the standard credit box. The reasons can range from documentation requirements to bruised credit. The applicants are not substandard by any means. They simply do not fit into what the regulators, insurers, and government policy makers say that the banks can lend on.

However, there is good news! There are still many lenders that will truly underwrite an applicant.

Read morechevron_right

  
 

CLIENT TESTIMONIALS

“the whole process was easy and painless”

Ian got us a great mortgage with terms we were very happy with. He greatly simplified and thoroughly explained the mortgage application process, and helped us with us every step of the way through it. He made the whole process easy and painless. I wouldn't hesitate to recommend Ian to everyone!

- Andrew Y

Read more testimonials keyboard_arrow_right

Top 10 reasons to use Ian Mucignat as your mortgage agent:Ian - cartoon

  1. Get independent, objective advice on your financial options. Mortgage Agents are not restricted to any one bank or range of products. They work for you and can make objective recommendations on financing solutions through hundreds of lenders. 
  2. Save time with convenient one-stop-shopping. Mortgage Agents do the research and shopping for you so there's no need for you to waste time organizing appointments with competing mortgage lenders when you could be house-hunting! 
  3. Negotiating on your behalf. Negotiating can be stressful. Mortgage Agents act in your best interest and do all the negotiating to secure competitive rates and terms that make sense for you. 
  4. More choices. With a network of major lenders and products to choose from, Mortgage Agents can source your ideal mortgage options from banks, credit unions, non-traditional lenders and more.

...Continued herekeyboard_arrow_right

Top of page