Hello and welcome to my page! Please take this opportunity to explore and learn as much about how you can benefit from my services and that of Pegasus Lending as a whole! There are a great deal of details involved in a mortgage. Many people are unaware that there are professionals in the industry who are on the consumer's side. We are such professionals. I hope to speak to you soon!
Professional ExperienceRichard started with Pegasus since 2012 and is the VP Operations since March 2017. He has over 18 years of experience in the Financial Industry which includes position as TD Bank Teller, Financial Service Rep, Senior Financial Advisor, Business Development Manager and now VP Operations at Pegasus. He won numerous awards while being at TD Bank such as Top TD Financial Advisor in the GTA 2007, 2008 and 2009. Millions Dollar Club member in TD Mutual Fund, Excellence in Customer Service and Advice Club. Richard has a B.A degree in Mathematics for Commerce (1999), Canadian Securities Course (2003) and Professional Financial Planning Course (2006). He takes pride in helping his clients with mortgage financial needs by taking the time to analyze their situation and providing professional advice. Now, as the Vice President of Operations, he also overlooks the performance and growth of the brokerage. From there, he implements new strategies of generating more leads for the brokerage by working closely with the CEO and Principal Broker. He works with Pegasus Staff to provide efficient advice and service to experienced and new agents. He also provides an equitable, fair and ethical work environment for all agents and staff. Last, he establishes professional relationships with lenders and partner companies, to expand and improve products offered by the brokerage.
PersonalI enjoy spending time with my family, travel to new places and enjoy their culture\'s cuisine. Best, Richard Ng, Mortgage Agent
Pegasus Company Profile
Our story began in a small area of Toronto, Canada. Our principal broker incorporated the company and opened its doors to the public in August 2008.
Credit does not have to be a hassle. Our professionals are committed. . .
When dealing with a bank you are only negotiating with one lender, and. . .
Build or re-build your credit, even if you've had credit difficulties in the past. . .
The Pegasus Story!
Our Mortgage Rates
Our story began in a small area of Toronto, Canada. Our principal broker incorporated the company and opened its doors to the public in August 2008. During that time, we were a one-person brokerage.
We had a tough beginning. In October 2008 Canada entered into an official recession which was led on by the Global Financial Market crash. However, that did not hinder our growth! We persevered through the dark days of the recession and started growing slowly and steadily.
Pegasus founders developed a business model based on providing professional and impartial advice to our clients. It is a business model which offers an excellent and ethical customer service experience. Our model grew based on strong support and training of our agents and staff. It developed further to ensure skilled and knowledgeable services are provided to our clients.
Over the years, Pegasus became a leader in the mortgage industry by providing proficient mortgage advice and financial solutions to our valuable clients.
|Home Equity Line Of Credit||2.70|
It could take weeks for you to organize appointments with competing mortgage lenders -- and we know you’d probably rather spend your time house-hunting! We work directly with dozens of lenders and can quickly narrow down a list of those that suit you best. It makes comparison-shopping fast, easy, and convenient.
We have access to a network of major lenders in Canada, so your options are extensive. In addition to traditional lenders, we also know what’s being offered by credit unions, trust companies, and other sources. And we can help you take care of other requirements before your closing date, such as sourcing mortgage default insurance if your down payment is less than 20% of the purchase price.
Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. Brokers negotiate mortgages each and every day on behalf of Canadian homebuyers. You can count on our market knowledge to secure competitive rates and terms that benefit you
We do a single credit check for you which we use to shop around with multiple lenders for you and obtain the best solution, ensuring your credit score is not negatively impacted by repeated credit checks by multiple lenders.
As independent mortgage brokers we're not tied to any lender or range of products. Our goal is to help you successfully finance your home or property. They do not work for any particular bank or lender. A branch officer has the interest of their institution at heart. We have our clients best interest at heart!
There's absolutely no charge for our services on typical residential mortgage transactions. How can we afford to do that? Like many other professional services, such as insurance, mortgage brokers are generally paid a finder’s fee when we introduce trustworthy, dependable customers to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on our customers.
Whether you are shopping for a new home or deciding to refinance the existing home, we can help you shop for a preapproved mortgage which will lock the rate for a period of up to 120 days. Once we have met with you and reviewed your financial profile, we will forward your application to many lenders that will suit client preferences. Once we receive a commitment from the lender we can make an informed decision as to the product and rate.
Get a quote
Pegasus Mortgage helped me through a difficult financial situation. They are knowledgeable and sympathetic staff made the entire process a lot less stressful. I highly recommend them!Bruno Kaminski