“Hello, we’re John and Andy ”
For many years we have helped homebuyers in Niagara with their mortgages and if we could offer one piece of advice, it would be…
DON’T RUSH! Take your time.
There are many things to consider when setting up a mortgage. You have questions? We have answers.
Give us a call or text or email and let’s start a conversation. You should get to know the people who may be helping you make one of the biggest decisions of your life.
Let’s talk. No obligation. Just information.
Rates are falling – find out how much you can save right now!
RECENT DEALS. REAL RESULTS.
First-Time Home Purchase
“A” Lender – Bank or Credit Union
Details:
- Purchase Price: $650,000
- Down Payment: 5%
- Rate: 3.75% (Variable, Prime – 0.70%)
- Term: 5-Year
Outcome: Helped a first-time buyer secure an excellent variable rate with minimal down payment.
Refinance for Debt Consolidation
“A” Lender – Bank or Credit Union
Details:
- Total Refinance: $300,000
- $250,000 at 4.44% (5-Year Fixed Term)
- $50,000 Equity Line of Credit at 4.95% (Open Term)
Outcome: Consolidated debt into a manageable mortgage plan while keeping flexible access to equity.
Self-Employed Refinance
“B” Lender – Sub-Prime
Details:
- Amount: $780,000
- Rate: 4.99%
- Term: 3-Year
- Client Type: Self-Employed with Stated Income
Outcome: Created a refinancing solution that simplified monthly payments and reduced high-interest debt.
TESTIMONIALS
It is my pleasure to highly recommend John Coholan of House of Mortgages. He has assisted me with my original mortgage and now with a recent renewal. John has been extremely knowledgeable, and endlessly patient dealing with a digitally challenged senior. He has made the entire process much less painful then it could have otherwise been. Thank you John.
I was recommended House of Mortgages and John specifically by a coworker. I was told he would take care of me and walk me through the process; that he would make a difficult process easier to understand and manageable. He went above and beyond in every measurable way and I will certainly be recommending him to anyone in need.
My fiance and I purchased our first home this year with John. He made the mortgage process easy to understand and went through every scenario to make sure we got the best deal possible. His ability to ensure we were comfortable and understood every aspect showed he is willing to go above and beyond for his clients. We feel very fortunate to have worked with John.
Better Call John
I needed a mortgage for a rental property, but my long-time lender offered terms that just didn’t work for me. I reached out to John, and he immediately identified the perfect lender. Thanks to his expertise, I secured a mortgage quickly with no hassle or extra costs, and the terms were just right.
For a hassle-free mortgage experience, Better Call John. Highly recommended!
Andrew Gill was great to work with. He is super friendly and helpful. He was always on top of our paperwork making sure everything was complete and correct. He would always call us with updates. He found us the best possible rate. I highly recommend Andrew Gill as your next mortgage broker.
It’s been an absolute pleasure to work with John for more than 10 years now across three property purchases! John is extremely knowledgeable when it comes to financing the biggest investment that most people will make during their lifetime. John went above and beyond in terms of researching and structuring the best financing option for me possible which provided both the cost certainty and flexibility that I required. I have recommended John’s services to others in the past and I have the utmost confidence in John to continue doing so in the future!
I needed a mortgage for a rental property, but my long-time lender offered terms that just didn’t work for me. I reached out to John, and he immediately identified the perfect lender. Thanks to his expertise, I secured a mortgage quickly with no hassle or extra costs, and the terms were just right. For a hassle-free mortgage experience, Better Call John. Highly recommended!
Working with Andrew was an absolute pleasure. Andrew made the entire process super easy and he was able to secure a fantastic rate and mortgage that fit our specific needs.
Andy and John have put together my last two mortgages. I trust their expertise and their ability to get me the best rate possible. And they make the process so easy by letting me know what info is needed for the application and then they do all the work. What’s nice is they not only look out for my current mortgage needs but are already working and planning to better my mortgage upon renewal. They also helped set up appraisal and legal support – they do everything. It’s great.
Andrew Gill made sure we got through one of the most important and most difficult times in our lives when we bought our first home. His knowledge of the industry and reassurance got us through with a great rate and we would highly recommend him as a mortgage agent.
