I’m Apurva, a client‑first Mortgage Agent with GNE Mortgages, proudly serving Ontario with clear guidance, quick turnarounds, and straight‑up communication that takes the stress out of financing. I’m passionate about helping first‑time buyers, growing families, and investors make confident decisions with transparent options and smart, tailored strategies. Backed by GNE’s 100+ lender network and strong in‑house support, I handle the details end‑to‑end—from pre‑approval to closing—so clients can focus on what matters: getting the keys and moving forward. I Help : • First‑time buyer coaching, pre‑approvals, and program guidance (HBP, FTHBI) tailored to real budgets and timelines. • Mortgage renewals with proactive rate/term strategies to lock savings and add flexibility where it counts. • Refinances to access equity, lower payments, or reset debt for a cleaner financial runway. • Debt consolidation using home equity to simplify monthly payments and reduce interest drag. • Home equity solutions, including HELOCs and equity take‑out for renovations, investments, or emergencies. • Alternative lending with A/B lenders and private options when income or credit isn’t straightforward. • Private mortgages through trusted investor networks and MICs for complex, time‑sensitive scenarios. • Commercial financing for purchase, refinance, construction, and land—multi‑res, retail/mixed‑use, office/medical, industrial/warehouse. • Access to 100–120+ partner lenders (banks, credit unions, trust companies, insurers, private capital) to match the right product to the right story. • End‑to‑end file support: documentation, underwriting guidance, clean submissions, and hands‑on follow‑through to closing. • Fast approvals with personalized rate and term negotiation, always aligned to long‑term goals. If a straight path exists, I’ll take it. If not, I’ll build one—professionally, transparently, and with your best outcome as the north star.