"Hi Manny, I want to extend my sincere appreciation for the help you extended to me especially that my case is quite difficult and you really do your best to help and solve my problem. I hope you will not stop helping and you continue your good deeds to help others. Thank you very much."

-- Joan T., Toronto --

"Mr. Johar, Working with you in securing funds to pay off existing mortgagors who were proving to be very unethical gave me the piece of mind to focus on the sale of my property. You were extremely competent in getting the funds necessary for paying off the existing mortgage. This was done in courteous manner and with good rates. I am sincerely grateful to you for allowing me to focus on the sale of the cumbersome property. Thank you for securing the necessary funds at an acceptable rate."

-- Linda C., Toronto --

"Thank you so much Manny for the excellent mortgage service experience you have provided. Was a wonderful experience working with you, you explained all the details clearly and answered all our questions. Your focus on this transaction to completion with ease and attention to get this finalized as soon as possible was very appreciated. We feel very fortunate to have found you, and will definitely refer you to those interested in obtaining a mortgage. Sincerely."

-- Dana & Zdenek S., Toronto --

"Hi Manny, Thank you very much for your hard work.you are number one helping people.Expert in everything we need, your service is such great very much appreciated. No hassle and highly recommended to our friends and family. Again thank you."

-- Noel D. & Belinda B., Toronto --

"I just wanted to send a note to say thank you for your help in obtaining a mortgage in such a short notice and at such a competitive rate. I thank God for connecting us through my brother or else I would not have saved some funds during the unfortunate process of obtaining a mortgage after my job loss. I call it a miracle and you were used greatly! Now I have the keys to my beautiful home and breathing space to job search for a better financial position in the future. Thank you and may God bless you! Best regards."

-- Julie C., Alliston --

"I can't even begin to explain how much Manny helped me. Right from the first conversation to our last, he was fantastic. He answered all my questions and assured me that he would take care of everything. I just had to sit back and relax. He made that possible for me. He helped me when no one else would and assured me he would get the job done. I was his main focus and he proved that through and through. I would definitely recommend Manny. His professionalism is solid. Thank you so much Manny. You were my rock when I felt the walls closing in. You never made me feel like I was just a client….you made me feel important and a priority. Thank you."

-- Grace O., Bowmanville --

"Well Manny! You achieved a mortgage for us that we never could have gotten without your incredible knowledge and caring! You walked us through every step and made it so much easier to cope. You have made our life so much better and alleviated so much stress. We can't thank you enough! Thank you from the bottom of our hearts!"

-- Roger W. & Judy S., Thornton (Essa) --

"A simple thank you is not enough to show our appreciation and gratitude for helping us to obtain our home. You were honest and upfront with us , always looking after our best interests. You do care about people and know how to help them. We will certainly refer you to friends and family. Thank you again."

-- Kostas & Bessie P., Alliston --

"Hello Manny, All I can say is that your help and understanding is something that Bonnie and I will never forget. We were in situation that cam best described as being between a rock and a hard place. We would have lost everything that we both worked so hard for. Your actions and hard work took a heavy weight off our shoulders. I am sure that other people have told you the same. Thank you from the bottom of our hearts. If we hear of anybody in the same situation we both would recommend your services and to contact you to get out of the hole they gotten into."

-- Paul & Bonnie F., Beeton --

"Hi Manny, I can't thank you enough for your lightning fast assistance and must say that the fantastic mortgage solution you provided us with greatly exceeded our expectations. The fact that you were not only able to get us out of our 1st bank mortgage but also our 2nd mortgage with Private lender in such a timely and professional manner at a greatly reduced rate was phenomenal...especially considering the fact that you were able to close the financing on the very last day of our 2nd mortgage renewal date within 2 days of us meeting you in person. Had you not come up with such a timely and appreciated solution due to our bank deciding to notify us at the last possible moment that they weren't focused on refinancing's now...we would've been left with no choice but to renew with Private lender at a greatly inflated interest rate. So with all that said we can't recommend you enough Manny and feel beyond fortunate to have found you and your amazing mortgage solution when we did. You sir are a superstar and anyone who finds you and your stellar mortgage solutions is blessed."

-- Doug & Delores O., Barrie --

"Hello Manny, There are not enough words for me to say, to express my gratitude and appreciation for all your hard work, and difficulties that you had to endure to get us a mortgage.You could of very easily washed your hands with this, but you continued to work towards the mortgage, because you simply are a terrific man, who really cares about people's lives.I still sit in awe thinking of what you were able to do for us to stay in our home.I continue to have a difficult time processing that this is real…… Thanks is really not enough to say…..how does one thank a person for doing the work that you did for us…….God bless you….you have been our angel !!"

-- Lorraine & Donald S., Mississippi Mills --

"Dear Manny, Our experience with you was very positive. You can't imagine the stress we have been under for the past many months. You were able to give us our lives back. Allow us to sleep soundly at night finally. I can't thank you enough for all that you've done for us. We were able to catch up on all our overdue bills. We feel free finally and able to breathe. You are an angel. You instilled hope of better future for us. I am finally smiling more knowing I can freely help my kids with the things they need.You made the business transaction as seamless and smooth as possible to us. The timely manner in which it was finalized was amazing. You never once made us feel inadequate. You showed us both complete respect. I will definitely recommend you to my friends and family.You are God sent.Take care"

-- Diana and Tony T., Bolton --

"I still can't believe it ,BUT its true. Everything Manny said from the very 1st phone call to receiving the funds, Manny said this is what will happen and it did. and FAST TOO. I read all the reviews (all 7 pages, probably more now) BUT my situation was different .or at least that's what I thought. HE DID IT , I don't know how but he did it AND he was above board all the way. I call him my Angel (and I'm not the first) .My wife told me 'make one phone call see what he has to say, (best advise she ever gave me) sent an e-mail 5 minutes he call me, and told me what we are going to do it, HOW we are going to do it and you will see results in a set amount of time ( for us 1 week and Manny actually apologized for taking an extra day BUT it was OUR fault.) SWALLOW YOUR PRIDE AND DO WHAT HE SAYS, that is the key. My wife and I haven't felt this 'relieve' in over 2 years, we answer the phones now (you know what I'm talking about ) we are now making plans for the future and even talking realistically about a vacation to a very warm Island, something we never even talked about. Whoever reads this I hope that you can experience what Manny has done for us and our family....Thank you Manny, a true friend (quick note; Have funds, Manny is finished with my file, and I'm still waiting for another agent to get back to us, spoke to him just before my 1st talk with Manny, that Agent is supposed to get back this week LOL can't wait to tell him when he calls back, I DON'T NEED YOU , we are back to normal lol)"

-- Stephen and Miriam R., Oshawa --

"As usual Manny has exceeded my expectations the second time around. Even in a difficult situation Manny has been able to get me what I needed in a prompt time. Manny does an excellent job of guiding you through the entire process and for someone like myself who is not fully educated on refinancing and second mortgages, Manny goes into detail to explain to you exactly what you're signing up for. Manny will forever be my go-to-guy for all my mortgage needs."

-- Tanishia A., Scarborough --

"Wayne and l are so pleased with the help and expertise that Manny gave us, Manny made us feel so important and after our meeting we felt relief, Manny definitely made our day.The world needs more Manny's in it, thank you for being our guardian angle."

-- Theresa & Wayne K., Angus --

"Manny, where we have given up and lost faith in mortgage brokers, you have managed to help us when in dire need. I had saved the newspaper clipping of your ad and just set it aside, tucked away. Occasionally I would retrieve the ad, scour at it and then tuck it back into place but somehow, I could never let it go, could never throw it out. It was like a little voice in my head kept yelling at me saying "call this broker, what do you have to lose?". So 6months+ later, I finally break and call the number. I was quite short and curt with you initially but this was based from my prior experience with brokers/banks where false hope is given. Even though it financially made sense to consolidate, it made better sense to them to leave my current situation as is based on protocol. My situation was unique and remains unique but that didn't stop you from helping and you were able to work with it. You have really helped our situation and put is back in the comfortable zone again. You are the epitome of amazing customer service, go above and beyond! My hair has grown back :-) and we still owe you that Chourizo! What have I learned? I should've called Manny first!! My message to those who need help, don't delay and don't be skeptical! You will only receive honesty from Manny. Once again, THANK YOU!!!"

-- Sandra & Carlos P., Dufferin --

"Good morning my friend, Manny firstly I would like to thank you for all the hard work you did in getting me my mortgage, I know it wasn't easy. You have been a total gentleman and your work ethics show that you are a total professional. You have shown me that there are good people out there that take pride in what they do. You are a credit to your profession and it shows my friend. Again I want to thank you for all you did, I think of you as a friend not just a mortgage broker. I hope all is well and I hope the holiday session is good to you and your family. Sincerely."

-- David & Maryann K., Hamilton --

"Manny... Just saying thank you doesn't do justice to how I feel about the experience of working with you again, however, it's the right place to begin. To start off, I would like to say that you have exceeded my expectations...not only about the outcome but throughout the whole process. A number of things come to mind...so here they are in no particular order: 1. Professionalism – I admire how you show the utmost respect for the client. As you well now my financial situation was not in the best of shapes (and I am accountable for my own mistakes/missteps), however you never "preached" about the past. That goes a long way in enhancing my level of comfort in dealing with you because we both realize that the past cannot be changed and the focus needs to be on the present and the desired outcome. 2. Trust – there wasn't one instance where I felt trust was an issue. Because we both respected each other, it went a long way in building trust. 3. Delivery on commitment – you always went beyond your commitment and delivered on what you believed was doable...and what couldn't be done, you were open and honest about (this also contributed to building trust). 4. Friendly/approachable – what else can I say...time and again, not matter when I needed to talk/ask questions, you made yourself available (and always with a smile). Some people don't realize that even when talking on the phone, it's not that difficult to sense if the person at the other end is smiling or not. 5. Customer first – no ifs or buts about it. You not only talk it, you live it. Again, thank you may not do justice, however it's two words that say so much. Best regards."

-- George R., Brampton --

"Manny is as his add says a true mortgage superstar. Rite from the first encounter he made me feel at ease and went through options and advised me of the best option given my situation and he delivered . Not only did he meet my expectations , he surpassed them. I cannot thank him enough for the professionalism and compassion he showed during this process."

-- Denise C., Orangeville --