DENISE LAFRAMBOISE
Mortgage Broker License Number M16002809
Here's the thing. I didn't grow up dreaming about mortgages. I grew up watching people make the biggest financial decision of their lives based on outdated advice, pressure from the wrong sources, and zero real guidance. When I bought my first home, I did the same thing everyone does. I listened to my parents, trusted the process, and figured everything would work out. It did. Barely. That experience stuck with me.
I've been a licensed mortgage broker since December 2016, and I've spent every year since making sure my clients get what I didn't. Real information. Real options. A real plan. I hold a BA in Economics and a Master's Degree in Work, Organization, and Leadership. Before mortgages, I worked as a Professional Practice Leader in a hospital setting. Which means I know what it looks like when people need clear answers under pressure and a guide they can actually trust.
I also wrote the book on self-employed lending. Literally. If you're an entrepreneur trying to qualify for a mortgage, there's a good chance your bank has no idea what to do with your income. I do.
I've been a landlord since 2008. I've built a team. I've sat across from hundreds of Ontario families and self-employed business owners who were told "no" somewhere else and helped them find a way forward.
I'm consistently in the top 2% of mortgage brokers in Canada by volume. But the number I care about more is this: how many people left our process feeling less stressed and more in control than when they started.
When I'm not doing mortgages, I am eating food (super foodie here), training in Jiu-Jitsu, spending time with my family, or talking about all of this on my podcasts.
Our advice is free and could save you thousands. Never be too shy to reach out.
KELLY ELCOMBE
Marketing Manager
With over 25 years of experience in marketing strategy, business development, and brand storytelling, Kelly is the brains behind how we show up in the public. Known for her ability to blend strategy with creativity she has been a key part of our team since the very beginning.
She is our strategic advisor in really knowing what our clients want, how we show up online and what really connects with our clients & friends. Her skill in strategic marketing, planning & execution is unmatched and we are thrilled to have her guiding us..... because the rest of us are good at math (not marketing, lol).
KIMBERLY SMITH
Mortgage Agent Level 2 License Number M22000033
Kimberly is an experienced and highly organized Mortgage Agent who works remotely from Ottawa, helping clients turn their homeownership and investment dreams into reality.
A firm believer in building wealth through real estate, Kimberly draws on her background as an educator and real estate investor to guide every client interaction. She loves empowering clients with the knowledge and confidence they need to make informed decisions—and maybe even feel inspired about their financial future along the way.
She’s known for her strong relationships with lenders and partners, her knack for simplifying the complex, and her ability to keep the process moving smoothly.
A true team player, Kimberly is always focused on delivering the best results for clients through her reliability and proactive approach
DIANA CHADHA
Mortgage Agent Level 1 License Number M24002098
Diana joined our team and instantly improved how we care for our clients and keep in touch with them. She has incredible customer service skills and is enthusiastically learning how we serve our mortgage clients.
Diana’s background in database management helps us level up our service level and identify more opportunities for our clients to save paying more interest to their mortgage lenders. Diana is the key to maintaining our partnerships with other business owners and clients that help us better serve our community. Not only is she an incredible team member but she is a ray of sunshine in our office bringing fun and laughter to every day we spend together. We are so excited to have Diana as a part of our amazing client-focused team!