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First Time Home Buyers

Have you been wanting to buy a home for a long time now and are finally ready to do it?

Cottage Or Vacation Property

Did you know that you can buy a vacation property with as little as 5% down? Find out more about...

Refinancing Your Home

Refinancing your mortgage can be an effective way to consolidate debt and improve your cash flow,

About us

Paul Gallardi

Niagara Regional Mortgage Agent, Paul Gallardi is passionate about finding mortgage solutions for his clients. Whether it is a first time home buyer or family needing to refinance to reduce debt and improve monthly cash flow, his industry experience along with his personalized, strategic approach allows him to create the optimal mortgage solution for each situation.

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Home/Condo Purchase

Your first step should always be to understand the numbers. What you can be approved for is one thing, but what you can afford may be quite another. Knowing the difference between the two upfront can save you a lot of time and money down the road while still getting you into the home you want and love.

Refinancing Your Home

Refinancing your mortgage can be an effective way to consolidate debt and improve your cash flow, obtain a better interest rate, free up equity in your house for important purchases, and many other purposes.

Cottage Or Vacation Property

Did you know that you can buy a vacation property with as little as 5% down? Find out more about how to achieve your vacation property dream come true.

Spousal Buyout

Divorce doesn’t always mean you have to sell your house. Using a mortgage product designed specifically for this purpose, one spouse can buy out the other, without the need to sell

Our services

We work for you, not the bank.

We will customize your mortgage plan to ensure your home and finances are working for you.

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Not sure where to start your mortgage? Contact Us Today!

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Testimonials

Review From Our Clients.

Paul is super insightful when it comes to your mortgage needs. He was always readily available to answer any questions we had. He took his time with us and told us exactly what we had to do step by step. I highly Recommend Paul!
Lauren Torma
Paul was an excellent broker. Very professional. Always going out of his way to assist in the home buying process! He was just a phone call away if I had absolutely any questions! Would highly recommend.
Jennifer Kaitlyn
Paul is outstanding to work with, he put together a fantastic deal for us and made the entire experience very simple for us. Even going the extra mile for us while we were on vacation! I would recommend him to anyone even if they aren’t Steelers fans!
Glenn Millar
Paul was very knowledgeable and willing to share is knowledge and experience in the field. Attention to detail and prompt response to any and all questions made working with Paul easy. I would highly recommend his expertise as a broker
Carol Bernacci
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