About Us
Our Story
Our mission is clear: to simplify the mortgage process and remove the stress, delivering personalized solutions for every client. Whether you’re purchasing your first home, refinancing, or investing in real estate, we’re here to support you at every stage with expert guidance and a focus on your success.
— About Me
Ricco kamoei
Ricco Kamoei is a Toronto-based mortgage broker known for his dedication to simplifying the home financing journey for his clients. With a rich and diverse background spanning education and the service industry, Ricco brings a unique perspective to the mortgage world. His ability to break down complex financial concepts into clear, understandable terms allows him to empower clients to make informed decisions with confidence.
Whether you’re a first-time homebuyer, refinancing your current mortgage, or exploring investment opportunities, Ricco is committed to providing tailored solutions that align with your goals. His approachable nature, deep industry knowledge, and genuine care for his clients make him a trusted partner in one of life’s most important financial decisions.
Our Commitment To You
As an experienced mortgage specialist, I’m committed to helping you secure the most competitive rates and terms tailored to your needs. I simplify the mortgage process, ensuring fast approvals and a stress-free experience—from your initial application right through to closing.As an experienced mortgage specialist, I’m committed to helping you secure the most competitive rates and terms tailored to your needs. I simplify the mortgage process, ensuring fast approvals and a stress-free experience—from your initial application right through to closing.
WE ARE HERE FOR YOU.
Why Choose Us
Expert Guidance
We provide professional advice and support throughout your mortgage journey, ensuring you make informed decisions about your financial future.
Client-Focused
Your success is our priority. We work tirelessly to understand your needs and find the best mortgage solution for your situation.
Market Knowledge
With deep understanding of the Toronto and GTA markets, we help you navigate the mortgage landscape with confidence.
What Peoples Say
Commonly Asked Questions
Qualification depends on factors like credit score, income, debt-to-income ratio, and down payment.
You can apply through my email, text or phone number
Rates are influenced by market conditions, your credit score, loan term, and down payment amount.
Yes, only a % of mortgage amount can be payoff without penalty. Check your specific loan terms for details.
- Purchase
- Refinance
- Renewal
- Private mortgage
- Reverse mortagge
- Pre approvals
The process usually takes 7-10 days from application to approval, but this can vary based on individual circumstances.
Your payment typically includes principal, interest, property taxes, and homeowners insurance (often referred to as PITI).
Yes, I offer in-person consultations at your convenience. Just send me a text, email or call my cell 613-315-6464
Ricco made the mortgage process smooth and stress-free. He explained everything clearly, found us a great rate, and were always quick to respond. Highly recommend for their professionalism and genuine care for clients.