I have worked in mortgages in Ontario since 2004. Over the years, I have specialized in Alt-A lending, alternative lending, private lending, business-for-self mortgages, consolidation loans, refinances, new home construction lending, modular construction lending, marital division of asset mortgages, mortgages for estate settlements, mortgages in a company name, and private mortgage investments.

When you hit a snag with your mortgage renewal or refinance, when you have credit problems or cash flow problems, or when...