Patricia Mosquera

As first-time homebuyers, we trusted Patricia Mosquera at Ratehub to guide us through the mortgage approval process. She got us pre-approved with TD and told us we were okay to make an offer on a house. We relied on that advice and proceeded with the purchase, believing our financing was on track. Unfortunately, it took until the very last day of our financing condition, a Friday, for Patricia to tell us that we were not approved and that she could not secure a lender for us. To make matters worse, she went out of office that same day and stopped replying to my follow-up emails, leaving us in an incredibly stressful position with our home purchase at risk. With our financing condition expiring on a Friday, we had to scramble to find another mortgage broker. Thankfully, we found Noelle Gariepy at Ardent Mortgages Inc., who was able to get us approved in just one day. However, because of the timing and the weekend, we had to extend our financing condition into the following week, adding even more stress and uncertainty to an already overwhelming experience. As first-time homebuyers, we needed clear communication, timely updates, and someone we could count on. Having to find another mortgage broker under that kind of pressure was extremely stressful. Noelle went above and beyond to help us navigate the first-time homebuying process, answered our questions, and made us feel supported throughout. We are now happily moved into our new home with a great mortgage rate, and I cannot thank her enough for helping us achieve our goal of becoming homeowners. I would caution other first-time homebuyers against using Ratehub based on our experience. Make sure you have a mortgage broker who communicates clearly, follows through, and is there when you need them most. I would wholeheartedly recommend Noelle Gariepy at Ardent Mortgages Inc. instead. - K R

Patricia help us to move mortgage smoothly with worry free. She is working with extra care and easy approach. - Kevin GS

We recently needed to renew our mortgage, and Ratehub.ca had the best rates, far better than any of the major banks in Canada. We worked with Patricia Mosquera as our mortgage agent. Patricia was great! She had straightforward answers to my many, many questions, she sought to understand our needs and found a product immediately to suite. Along the way she kept us up to date with the process and saw our mortgage renewal through to the end, successfully navigating our previous lender's feet dragging, and delays in title insurance. Would highly recommend ratehub.ca, and CanWise, and espeically Patricia! - Matt Oliveira

Unfortunately this year we had two mortgages coming up for renewal but thankfully Patricia came to the rescue with her expertise in securing us the best rates available at the time. Between both properties there was an abundance of document submission/ verification that took place and she handled it very professionally. She was very attentive and very prompt in addressing matters as they arise. It was a pleasure to have Patricia guiding us along the way. Thank you Patricia! - Jaye Elliston

Patricia M was amazing! Very responsive & helpful, she was instrumental in helping me secure a very competitive rate. - Shannon Paul

Good experience securing a mortgage with Ratehub. Patricia helped us out when we were under the gun with a 30 day closing. - Anand Ramakrishnan

I save certain amount $ on my mortgage renewal in February this year. The process is quite smooth with the help of mortgage specialist Patricia Mosquera. Thanks Patricia. - Thi Ha

Fast, friendly, and highly knowledgeable. - Lester Maughan