Hi, I’m Justin, a mortgage agent based in Ontario. I work with first-time buyers, families, self-employed professionals, and real estate investors to make mortgages simple and stress-free.

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Whether you’re buying your first home, refinancing, or growing your portfolio, I’ll walk you through your options, explain everything in plain language, and connect you with lenders who actually fit your situation.

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Think of me as your guide to one of the biggest financial decisions of your life. My goal is to make you feel confident and supported every step of the way.

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Justin Fernandez, Mortgage Agent Level I (FSRA #M23006182)

with 8Twelve Mortgage Corp. (FSRA #13072)