After graduating with a Bachelor of Commerce degree in 1998, Ryan began his entrepreneurial career immediately.  Ryan’s career path included time in the Insurance, Investment and Banking field. His mortgage venture started in 2008 as a Mortgage Agent.  Four years later he created HQ Mortgages Inc. looking to take mortgage origination to the next level. Having the Best Rates and Customer Service is a given – but also providing clients with options have been one of Ryan’s Key Success Factors.  Innovative features such as Live Online Chat Service and reciprocal referrals have helped HQ Mortgages Inc. become one of Ontario’s up and coming brokerages.