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      "additionalType": "https://schema.org/FinancialService",
      "name": "Mortgage With A Pro \u2014 Alexandra Monaco",
      "description": "Licensed Ontario mortgage broker helping families with refinancing, home purchases, reverse mortgages, and debt consolidation.",
      "url": "https://www.mortgagewithapro.com",
      "telephone": "+1-416-894-9626",
      "email": "alex@mortgagewithapro.com",
      "address": {
        "@type": "PostalAddress",
        "streetAddress": "75 First Street, Unit #7",
        "addressLocality": "Orangeville",
        "addressRegion": "ON",
        "postalCode": "L9W 2E7",
        "addressCountry": "CA"
      },
      "areaServed": {
        "@type": "Place",
        "name": "Ontario, Canada"
      },
      "employee": {
        "@type": "Person",
        "name": "Alexandra Monaco",
        "jobTitle": "Licensed Mortgage Broker",
        "description": "FSRA Licensed Mortgage Broker (M15002102) with 10+ years experience serving Ontario families",
        "knowsAbout": [
          "Mortgage Refinancing",
          "Reverse Mortgages",
          "Debt Consolidation",
          "First-Time Home Buyers",
          "Self-Employed Mortgages"
        ]
      },
      "hasCredential": {
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        "credentialCategory": "license",
        "name": "FSRA Mortgage Broker License M15002102"
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        "ratingValue": "5.0",
        "reviewCount": "52",
        "bestRating": "5",
        "worstRating": "1"
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      "mainEntity": [
        {
          "@type": "Question",
          "name": "How much does it cost to use a mortgage broker in Ontario?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "In most cases, there is no cost to you. Mortgage brokers are compensated by the lender when your mortgage funds. For certain private or alternative lending situations, a broker fee may apply \u2014 but I'll always explain that upfront before you commit to anything."
          }
        },
        {
          "@type": "Question",
          "name": "Can I refinance my mortgage to consolidate debt?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Yes. If you have equity in your home, refinancing lets you roll high-interest debts like credit cards and car loans into your mortgage at a much lower rate. This can reduce your total monthly payments by hundreds of dollars."
          }
        },
        {
          "@type": "Question",
          "name": "What is a reverse mortgage and who qualifies?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "A reverse mortgage lets homeowners aged 55+ access up to 55% of their home's equity as tax-free cash \u2014 without selling or making monthly mortgage payments. You retain ownership and only repay when you sell or move out."
          }
        },
        {
          "@type": "Question",
          "name": "Can I get a mortgage if I'm self-employed?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Absolutely. Many lenders have programs designed for self-employed borrowers, including stated-income options. I specialize in finding solutions for clients whose income doesn't fit a traditional bank application."
          }
        },
        {
          "@type": "Question",
          "name": "Should I accept my bank's mortgage renewal offer?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Not without shopping around first. Banks often send renewal letters with rates that aren't their best offer. A mortgage broker can compare rates across 50+ lenders to make sure you're getting the lowest rate and best terms available."
          }
        },
        {
          "@type": "Question",
          "name": "How do I know if refinancing is worth it?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Refinancing is typically worth it if you can lower your rate by at least 0.5%, need to access equity for major expenses, or want to consolidate high-interest debt. I'll run the numbers with you so you can see exactly what you'd save versus any penalties."
          }
        },
        {
          "@type": "Question",
          "name": "How much can I afford?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "This depends on your income, debts, down payment, and the current interest rates. A pre-approval will give you a clear number \u2014 and it's free and no-obligation."
          }
        },
        {
          "@type": "Question",
          "name": "What's the difference between a fixed and variable rate?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "A fixed rate stays the same for your entire term \u2014 predictable and worry-free. A variable rate can change with the market, sometimes saving you money, but with more uncertainty."
          }
        },
        {
          "@type": "Question",
          "name": "How much do I need for a down payment?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "In Canada, you need at least 5% down for homes under $500K. For homes $500K\u2013$999K, it's 5% on the first $500K and 10% on the rest. Over $1M requires 20% down."
          }
        },
        {
          "@type": "Question",
          "name": "What is mortgage default insurance?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "If your down payment is less than 20%, you'll need mortgage default insurance (like CMHC). It protects the lender, but the cost is added to your mortgage."
          }
        },
        {
          "@type": "Question",
          "name": "What does the mortgage process look like?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Start with a conversation about your goals. Then Alex gathers documents, gets you pre-approved, and handles everything with the lender \u2014 no surprises."
          }
        },
        {
          "@type": "Question",
          "name": "How long does it take to get approved?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Pre-approval can happen within 24\u201348 hours. Full approval depends on the lender and your situation."
          }
        }
      ]
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      "name": "Video FAQs \u2014 Mortgage With A Pro",
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            "name": "FAQ: Why work with a mortgage broker?",
            "description": "Mortgage brokers work with many different lenders, and we shop out to find you the best mortgage and the best rate in terms for your needs.",
            "uploadDate": "2025-06-01",
            "contentUrl": "https://www.mortgagewithapro.com/tools#video-faqs"
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          "position": 2,
          "item": {
            "@type": "VideoObject",
            "name": "FAQ: I'm self-employed \u2014 can I get a mortgage?",
            "description": "Yes, you can. It could take you a little bit longer than you might like. However, there's programs out there that various lenders have that might work for you.",
            "uploadDate": "2025-06-15",
            "contentUrl": "https://www.mortgagewithapro.com/tools#video-faqs"
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          "position": 3,
          "item": {
            "@type": "VideoObject",
            "name": "FAQ: What credit score do I need for a mortgage in Ontario?",
            "description": "Many lenders have different criteria. Some lenders are 640, some are 680. 680 would be deemed a good credit score, but there's also lenders that will go lower.",
            "uploadDate": "2025-07-01",
            "contentUrl": "https://www.mortgagewithapro.com/tools#video-faqs"
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          "position": 4,
          "item": {
            "@type": "VideoObject",
            "name": "FAQ: Can I get pre-approved for a mortgage?",
            "description": "Give me a call. We'll go through the online application together on the phone and find out if you qualify. A pre-approval can be in your hands fairly quickly.",
            "uploadDate": "2025-07-15",
            "contentUrl": "https://www.mortgagewithapro.com/tools#video-faqs"
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          "item": {
            "@type": "VideoObject",
            "name": "FAQ: How does the mortgage approval process work?",
            "description": "Step one: phone call. Step two: online application (10-15 minutes). Then I submit to the lender and have an approval, hopefully within 24 hours.",
            "uploadDate": "2025-08-01",
            "contentUrl": "https://www.mortgagewithapro.com/tools#video-faqs"
          }
        }
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      "name": "Client Testimonial Videos \u2014 Mortgage With A Pro",
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          "item": {
            "@type": "VideoObject",
            "name": "Jessica \u2014 Toronto, Ontario (Mortgage Renewal)",
            "description": "She's very knowledgeable about the mortgage industry and was great at making sure that we got the mortgage that worked best for us.",
            "uploadDate": "2025-01-15",
            "contentUrl": "https://www.mortgagewithapro.com/#testimonials"
          }
        },
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          "position": 2,
          "item": {
            "@type": "VideoObject",
            "name": "Laurie K. Grant \u2014 First Private Mortgage",
            "description": "Her approachability, great knowledge, great customer service, just an absolutely excellent experience all the way around.",
            "uploadDate": "2025-02-10",
            "contentUrl": "https://www.mortgagewithapro.com/#testimonials"
          }
        },
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          "position": 3,
          "item": {
            "@type": "VideoObject",
            "name": "Lucy Brooks \u2014 Caledon, Ontario (Refinance & Renewal)",
            "description": "She was very efficient, very prompt, communicated well throughout the entire process.",
            "uploadDate": "2025-03-05",
            "contentUrl": "https://www.mortgagewithapro.com/#testimonials"
          }
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          "position": 4,
          "item": {
            "@type": "VideoObject",
            "name": "Jovanna Rio \u2014 Bolton, Ontario (Mortgage Renewal)",
            "description": "She makes everything very less stressful. She knows all the options and lays everything out to the simplest factor.",
            "uploadDate": "2025-04-01",
            "contentUrl": "https://www.mortgagewithapro.com/#testimonials"
          }
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          "position": 5,
          "item": {
            "@type": "VideoObject",
            "name": "Joseph Yanu \u2014 Ontario (Referral Client)",
            "description": "She takes the time, listens, and cares about everyone that she works with. Clear communication and guidance for today and the future.",
            "uploadDate": "2025-05-01",
            "contentUrl": "https://www.mortgagewithapro.com/#testimonials"
          }
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          "@type": "ListItem",
          "position": 6,
          "item": {
            "@type": "VideoObject",
            "name": "Eric Burly \u2014 First Family Home",
            "description": "Alex has an amazing personality, very knowledgeable in her field, got back to us within minutes. Very stress free.",
            "uploadDate": "2025-06-01",
            "contentUrl": "https://www.mortgagewithapro.com/#testimonials"
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