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WHO WE ARE

With a combined 26 years of experience on our team, we are sure we can help you find a solution that works for you, regardless of the problem. We at The Codsi Mortgage Team find joy in helping you achieve your goals, whether this is buying your first home, renovating your current home, or consolidating your debt and making a feasible financial plan that works for you and your family. As Top 15 in the Premier Mortgage family for mortgage volume in both 2015 & 2016, along with our Accredited Mortgage Professional (AMP) staff, we know we can help you, regardless of your situation.

Stephen Codsi

Mortgage Agent, Accredited Mortgage Professional

Stephen Codsi has experience with all aspect of the home purchasing process in the Greater Toronto Area. After working as a realtor, as a mortgage agent through a bank, and then as an independent mortgage agent, Stephen knows the ins and outs of the industry. He enjoys working with people through all parts of the home buying process, and continually follows up with his clients to make sure that all of their needs are addressed.

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Stefanie Codsi

Mortgage Broker

Growing up around her father’s mortgage business, Stefanie Codsi got a knack for the business at a young age. After working part time with her father during her time at Ryerson University and full time in the summer, Stefanie developed a love for the industry. After attaining her Mortgage Broker License in 2015, Stefanie has worked to help people with their every home financing need, from buying their first home to renovating their home into their dream home.

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Linda Rustico

Mortgage Agent, Mortgage Underwriter

With Linda’s extensive experience as a legal assistant in real estate law, as well as an insurance agent and a financial planner, Linda has the expertise in the business that you want when purchasing a home. She works closely with all parties involved to find a personalized solution to work for the client. Linda enjoys educating clients and helping them understand the home buying process so that they can make the best possible decision.

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Marisa Codsi

Mortgage Agent

After growing up surrounded by her father’s work with real estate and mortgages, Marisa attended Ryerson University to complete her Bachelor of Commerce and had an opportunity to study in Hong Kong. She worked as a Senior Default Recovery Officer and decided to use these skills to help teach people about mortgages, so they avoided being in collections. Marisa works closely with clients to form personalized, informed decisions about buying a home.

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WHO WE CAN HELP

First Time Home Buyers

Buying your first home is exciting- and confusing! Talk to us today to learn the basics of mortgages and borrowing, and work with us to help find the best hassle-free solution for your personal situation.

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New/Growing Families

Congratulations on your growing family! Work with us today to talk about potential options for renovations, education savings, and review  your mortgage, to keep you prepared for these exciting changes.

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Buying Your Next Home

We can help you with the selling of your old home and the purchase of your next one. We can help you bridge your mortgages or investigate different financing options, making your move as seamless as possible.

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Renovating Your Home

From small updates to complete renovations, we can help make your home into your dream home, while adding value to it. Talk to us about budgeting, refinancing, and tapping into home equity today.

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Self-Employed

Being self-employed may come with its own set of considerations when purchasing a home, and we can help you find some of these non-conventional options which will work best for your situation.

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Experiencing an Unexpected Event

When an accident, illness, or job loss occurs, you may need to evaluate different financing and mortgage options to help alleviate some of the financial stress. Talk to us today to see what we can do to help.

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Experiencing a Divorce

When an accident, illness, or job loss occurs, you may need to evaluate different financing and mortgage options to help alleviate some of the financial stress. Talk to us today to see what we can do to help.

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Ready to Retire

Don’t let financial worries or questions about your mortgage keep you from enjoying your retirement to the fullest. Talk to us to see how we can help make sure you can enjoy what you’ve worked hard for.

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HOW WE CAN HELP

Purchasing a Home

Purchasing a home can be confusing, but it doesn’t need to be! With our team of experienced professionals, we can make sure you get the best option for your needs when purchasing a home, whatever they may be.

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Refinancing

There are many reasons refinancing your mortgage may be an option for you, and we here at Codsi Mortgage can help you plan and see what is available. Our team can offer professional advice based on your situation.

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Mortgage Renewals, Transfers, & Switches

As a mortgage is a huge investment, we recommend reviewing your mortgage annually. If your situation has changed, we can also investigate different options, and also lock in rates for up to four months.

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Investment Properties

Whether you are looking to build your existing real estate portfolio or it is your first investment, we can help you look at different options or potentially tap into existing home equity to make this investment work for you.

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Vacation & Second Homes

A second home is a great investment opportunity, whether it is a cottage on a lake or a second home for your family. We can help with the financial planning and mortgage options to turn this dream into a reality.

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New Construction

Sometimes it may make your sense to build your own home, rather than renovate a resale home. We can help you decide if this is right for you, and help you with the planning and different options that go into constructing a home.

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New to Canada

With many programs available to help with the purchasing of property for newcomers to Canada, we can help you work through the details and make sure you have everything you need to qualify for these programs.

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Financial Planning/Bruised Credit

Our non-judgmental and professional staff understand it is much easier to hurt your credit than rebuild it. We can offer transparent financial advice to help you regain your financial health, starting today.

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