Question 1

How fast do you usually respond?

Accepted Answer

I typically respond within 1 business day. If you reach out on a weekend or holiday, I'll get back to you on the next business day. For urgent matters, feel free to call or text me directly at 647-200-2246.

Question 2

Do you work with first-time buyers and self-employed clients?

Accepted Answer

I work with first-time homebuyers, self-employed individuals, families looking to refinance, investors, and anyone seeking mortgage guidance in Ontario. Each situation is unique, and I'll help you find the right solution.

Question 3

What documents should I prepare for our first call?

Accepted Answer

For our initial conversation, you don't need anything—just your questions and goals. If you'd like to move forward with a pre-approval or application, I'll provide a personalized checklist based on your situation (employment type, property type, etc.).

Question 4

Do you handle renewals, refinances, and debt consolidation?

Accepted Answer

Yes! I assist with mortgage renewals, refinances to access equity or lower payments, debt consolidation to simplify finances, second mortgages, reverse mortgages for clients 55+, and investment property financing across Ontario.

Question 5

Can I book outside business hours?

Accepted Answer

My regular office hours are Monday–Friday, 9:00 AM–5:30 PM. However, I'm happy to arrange evening or weekend appointments by request. Just mention your preferred time in the contact form or give me a call to schedule.

Question 6

Do you quote rates?

Accepted Answer

I provide educational guidance on how rates work and what factors influence them. Specific rates vary by lender, product, and your unique situation, and they're subject to qualification and change. I'll help you understand your options and find competitive solutions.

Question 7

Will you coordinate with my Realtor and lawyer?

Accepted Answer

Yes! I work closely with Realtors, real estate lawyers, and other professionals involved in your transaction to ensure a smooth process. Clear communication and coordination are key to a successful closing.

Question 8

What areas of Ontario do you serve?

Accepted Answer

I serve clients across Ontario, including Toronto, Mississauga, Brampton, Hamilton, Ottawa, Kitchener-Waterloo, London, Guelph, Burlington, Oakville, Vaughan, Markham, Kingston, Windsor, Barrie, Niagara, Durham, Peel, York, and Halton regions.

Question 9

How do you protect my information?

Accepted Answer

Your privacy and security are top priorities. All documents and communications are handled securely, and I follow industry best practices and regulatory requirements to protect your personal and financial information.

Question 10

What if I'm not sure which solution I need?

Accepted Answer

That's completely normal! Select 'General Question' in the contact form and describe your goals or situation. During our conversation, I'll ask the right questions to understand your needs and recommend the best path forward.

Question 11

Do you charge fees for consultations?

Accepted Answer

Initial consultations and mortgage guidance are complimentary. I'm compensated by lenders when your mortgage funds, so there's no cost to you for my services in most cases. I'll always be transparent about any fees if they apply to your specific situation.

Question 12

Can you help if I've been declined elsewhere?

Accepted Answer

Yes! If you've been declined by a bank or another lender, I can review your situation and explore alternative solutions. There are many lending options in Ontario, and I have access to a wide network of lenders with different criteria.

Question 13

How long does the mortgage process typically take?

Accepted Answer

Pre-approvals can often be completed within 24-48 hours. Full mortgage approvals and funding timelines vary based on property type, documentation, and lender, but typically take 2-4 weeks from application to closing. I'll keep you informed every step of the way.

Question 14

Do you offer virtual consultations?

Accepted Answer

Yes! I offer virtual consultations via phone, video call, or email for your convenience. Whether you're in Mississauga or anywhere else in Ontario, we can connect in the way that works best for you.

Contact Stephanie Karulas

Phone

Email

Office

Hours

What brings you here today?

Send Me a Message

Alternate Ways to Reach Me

Call or Text

Email

Secure Upload

Documents Checklist

Visit My Office

Parking & Transit

Serving Ontario

Frequently Asked Questions

Book Your Free Consultation