Michael Distefano

Michael Distefano – Mortgage Agent
4849 JEPSON STREET
Niagara Falls, ON L2E 1V2
Phone: 905 246 5363
Toll-Free: 877 357 5366
Cell: 905 246 5363
Fax: 905 357 6654
E-Mail: miked@beatthebankmortgage.ca

DLC BTB Mortgage Solutions: Changing the Face of Mortgage Financing

Mike and Gail Distefano established BTB Mortgage Solutions in 2007 and have strived ever since to set themselves apart from other mortgage brokers in their local community. What began as a two-person operation has blossomed into a 2 office network with 12 agents.

Regardless of anyone’s financial situation, the process of getting a mortgage is often stressful and confusing. But BTB Mortgage Solutions wants to change the face of mortgage financing by educating their clients and ensuring they help them navigate each step throughout the home buying and mortgage financing processes.

Giving back

There’s much more to a successful business than simply turning a profit. That’s why BTB Mortgage Services is committed to also having a positive impact within the local community. BTB Mortgage Solutions has raised tens of thousands of dollars through sponsored events and donations that have gone directly to the local food bank through Project SHARE.

Every day, the BTB Mortgage Solutions team makes dreams come true. Sometimes those dreams are simple, involving three days’ worth of emergency food supplies, while other times those dreams involve dream homes.

BTB Mortgage Services is honoured to be a finalist 10 times over the CMP Canadian Mortgage Awards – the Oscars of the Canadian mortgage brokering industry. To receive one nomination is a fabulous accomplishment, but to be a finalist 10-time finalist is an astounding victory – especially for a regional operation.

Nominations include:

1. Mortgage Brokerage of the Year (less than 25 employees)

2. Mortgage Broker of the Year (less than 25 employees) – Gail Distefano

3. Best Newcomer (Individual) – Dave De Stefano

4. Best Newcomer (Mortgage Brokerage Firm)

5. Best Internet Presence

6. Best Advertising

7. Best Branding

8. Employer of Choice

9. Best Customer Service from an Individual Office

10. Best Community Service Effort of the Year – Mike and Gail Distefano

DLC BTB Mortgage Solutions was also voted Best Mortgage Broker in 2010, 2011 and 2012 in the Niagara Falls Review Readers Choice Awards.

In April2011, BTB Mortgage Solutions opened a franchise with Dominion Lending Centres – Canada’s largest mortgage brokerage and leasing firm – to take the business to the next level as Dominion Lending Centres BTB Mortgage Services.

This means being part of a large national brand that can offer even more products and services to DLC BTB Mortgage Solutions clients. It also translates into added access to ongoing agent training, and technology and tools that make it even easier to keep in touch with and educate clients to ensure they’re always making informed decisions.

We believe the key to any successful business over the long term is doing what is right for our clients 100% of the time. We measure this success by the number of referrals and repeat clients we have. We deal with many different types of client profiles from AAA+ credit to previous bankrupt clients and everyone in between. Our closing ratios are very high because we leave no stone unturned. In conjunction with our lending partners we have a range of products and services to meet our clients’ individual needs. We deal with all credit, income, and property types.

Bankruptcy Proposal (undischarged)

New to Canada Programs

Mortgage Purpose

Pre-Approval rate holds

Purchases (standard and lease to own rental credits)

Purchase + Improvements

Switch Transfers

Equity take outs for anything including renovations

Refinances for consolidation purposes

Smith Maneuver (leveraging for the purpose of investment)

Income Types

Salaried/Hourly

Part Time

Seasonal

Self Employed (does not show large income)

Rental Income

Pension

Disability

Investment Income

Property Types

Single family residential homes owner occupied and rentals

Multi unit residential and commercial units (rentals)

100% commercial business properties

Mixed use properties

Agricultural and rural properties

Mobile homes

Second homes/cottages

Area

All provinces in Canada

Mortgage types

1st mortgages

2nd mortgages

Lines of credit (secured)

Combo mortgages (fixed mortgages with Line of credit and credit card

attached)

Secured Credit Cards (mortgage)

Secured Credit Cards (non Mortgage) (credit repair / credit established

purposes)

Additional Services

DLC BTB also offers insurance products in the form of life or accident and sickness benefits. Clients may be offered a Home Warranty program

free for the first year of the mortgage to insure furnace and other large home expenses.

– Free Appraisals (exceptions apply)

– Credit repair plans

– Referral program

-Leasing

-Rent to own

You can even apply for your mortgage online. Become our friend on Facebook

And be sure to follow our Twitter for rate updates and more

Niagara Falls (Downtown)

4849 Jepson Street

Niagara Falls On L2E 1J9

Phone: 905-295-5366

Fax: 905-357-6654

Toll Free: 1-877-357-5366

Email: btb@beatthebankmortgage.ca