Alexandra Monaco — Licensed Ontario Mortgage Broker
Mortgage With A Pro helps Ontario families save money on their mortgages. Licensed FSRA Mortgage Broker (M15002102) with 10+ years of experience. I shop 50+ lenders so you don't have to.
Mortgage Refinancing
Your biggest expense should be working for you, not against you. Refinancing can lower your rate, free up cash, and make your monthly budget actually make sense again.
Debt Consolidation
Credit cards at 20%+, a car loan, maybe a line of credit — it adds up fast. Rolling it into your mortgage can cut your total monthly payments by hundreds.
Reverse Mortgages
Retired or nearing retirement on a fixed income? Your home equity can supplement your cash flow — without selling or making monthly payments. Available to homeowners aged 55+.
First-Time Home Buyers
Buying your first home is exciting but overwhelming. I'll walk you through every step, find the best rate, and make sure you understand all your options before you sign.
Self-Employed Mortgages
If your income doesn't fit a neat box on a bank form, that doesn't mean you're out of options. I specialize in finding lenders who understand self-employed and complex income situations.
Renewals & Transfers
Your renewal letter from the bank isn't your best option — it's their best option. Let me shop it across 50+ lenders before you sign anything.
Frequently Asked Questions
- How much does it cost to use a mortgage broker?
- In most cases, there is no cost to you. Brokers are compensated by the lender. For private or alternative lending, a fee may apply — always disclosed upfront.
- Can I refinance to consolidate debt?
- Yes. If you have home equity, refinancing lets you roll high-interest debts into your mortgage at a much lower rate, reducing monthly payments significantly.
- What is a reverse mortgage?
- A reverse mortgage lets homeowners 55+ access up to 55% of their home equity as tax-free cash without monthly payments. You repay only when you sell or move.
- Can I get a mortgage if I'm self-employed?
- Absolutely. Many lenders have programs for self-employed borrowers, including stated-income options.
- Should I accept my bank's renewal offer?
- Not without shopping around. Banks often don't send their best rate. A broker compares 50+ lenders to find better terms.
- How do I know if refinancing is worth it?
- Typically worth it if you can lower your rate by 0.5%+, need equity access, or want to consolidate debt. I'll run the numbers so you see exact savings versus penalties.
What Clients Say
"Alex made the whole refinancing process so easy. She saved us over $400/month by consolidating our debts into our mortgage."
"As a self-employed borrower, I was turned down by two banks. Alex found me a great rate with a lender that understood my situation."
"I was nervous about getting a reverse mortgage, but Alex explained everything clearly and there was zero pressure. Highly recommend."
Contact: alex@mortgagewithapro.com | 416-894-9626
75 First Street, Unit #7, Orangeville, ON L9W 2E7