Buying a first home is incredibly stressful, and for someone like me without a financial background securing a mortgage was the most confusing part. I feel very fortunate that I was introduced to Kal and his team. They worked their magic on the mortgage till the very end. No matter the time of day, they were always available to answer my questions. I couldn’t have done it with you Kal. Thank you so much!!
Kal calls himself “your mortgage chef”, but I like to think of him as “my mortgage Santa”. In the heart of the holiday season, Kal delivered the best present: the financing I needed to help buy my first home (in Toronto, no less). My financial situation is unique, but Kal knew the recipe to make the numbers work. A mortgage “geek” and true professional, I have already recommended Kal to several of my friends. Thank you, Kal!
A realtor friend of mine, referred me to Kal recently, to refinance my mortgage. He told me that he has referred several of his clients, and has only had great feedback. I was not disappointed. As a single mom (and definitely not a ‘numbers’ person), having to refinance to clear debt, with the potential of moving in near future (not to mention the unease of the world around us at the moment), needless to say I was a little overwhelmed at the whole process. I just wanted to make sure I would be ok in the end. Kal was great! He was patient, and answered all of my questions. He guided me through the whole process step by step. It didn’t take long for me to feel more relaxed and have faith and trust in Kal. I ended up with a great rate, and a smooth transition. I would recommend Kal to anyone, and will be calling him again when I move. Thank you Kal
As a first-time buyer, I had a ton of questions (and nerves) about the entire process. Like so many millennials, I was woefully unprepared, perhaps even naive, about the steps it took to making one of the biggest purchases of my life. I can’t imagine trusting anyone else with such a huge financial decision. His inimitable way of conducting his business is refreshing and honest. Kal’s unwavering patience is the hallmark of his work. For so long, I felt locked out of the real estate market as a single person living with my parents, and working long hours in the city. Given the mounting obstacles to home ownership, I didn’t think I’d ever qualify for a mortgage. But Kal made it happen. He will relentlessly look out for you, every step of the way. He also went to great lengths to secure the best appraisal for my condo. Moreover, my financial literacy was shaky — at best. There was never a time I couldn’t call him so he could school me on the mortgage stress test, Bank of Canada rates, or how to read a credit score. Kal empowered me to feel confident in my choices — and I know he’d do the same for anyone else.
We were referred to Kal by our Realtor, and we are so glad he put us in touch with Kal! From start to finish Kal helped us navigate the mucky waters to secure a mortgage – which is harder when you’re both self-employed with small businesses and through a global pandemic on top of it. Kal came through for us and helped calm the stresses of it all and we are now gratefully back in the real estate game. We are already letting our family and friends know that he is the go-to guy for mortgages! Thank you Kal – you are a miracle and worker and we are forever grateful to you for all your hard work and really going way above and beyond for us!!! Glen and Diane
We won our bid to purchase our first home and the next step was to secure a mortgage. My fiancé and I were incredibly nervous. Should we use a mortgage broker or should we just approach our bank? Will the bank even approve us? Are we going to get a good rate ? OMG what did we just get ourselves into!? Insert Kal, the Mortgage Chef. I’m told he’s an incredible chef. However, I don’t believe it can hold a candle to his natural ability calm our first home buyers’ nerves while finding us a great lender at an unreal rate. He got us pre-approved for our home in no time. I mean sure we’re both hard working professionals, I know what your thinking. How hard can it be to secure a mortgage for two professionals. Well, throw in a job loss right in the middle of covid, 1 month out from closing on our first home. Think about it. We lost our job a month from closing on our first house. The worst possible outcome that one is told during the house buying process actually happened to us. This is the part where Kal’s skills were ready to shine. We hit him with the news. I almost think he kind of thrives on this stuff. I’m pretty sure I heard him say “finally a challenge “ under his breath. He went to work. I mean the professionalism was nothing I’ve seen before. I knew he was stressing getting our mortgage secured but you’d never know it. “Relax Mike, have a beer. Let me take care of this. It’s my job.” And that’s exactly what he did. He had us approved within 2 weeks, still leaving us with time to take a sigh of relief knowing we’re actually going to buy this house and finally start our lives. I gotta say, there’s a lot of brokers out there. I’m sure they do a great job, but it’s damn near impossible to find someone with good emotional intelligence, knowledge and well good salesmanship now-a-days. I don’t know how we found this guy Kal, but man are we grateful. Thanks a lot for everything Kal. I’ve already referred you a thousand times to many friends. You made it happen for us! All the best, Mike and Lavinia
It’s been an absolute pleasure working with you Kal on several deals in recent months. I can now say with confidence that you definitely have the magic recipe for each client. Two of my clients were in need of a mortgage, and you created a great recipe in your mortgage kitchen with tight deadlines. You have incredible customer service skills, and you are easy to work with. I am definitely referring you to all my clients!! Paras Bhatia, Royal Lepage/Loretta Phinney Team
The service, attention and care given by Kal Keigher was far beyond what we were expecting as first time home buyers! His ability to calmly help us navigate the market (in the middle of a global pandemic!) was exceptional. As first time home buyers, everything was new to us and the most important thing we wanted was someone we could trust. He was there for us every step of the way, and I would recommend Kal’s services to anyone and everyone.
As first time homebuyers, it was quite an overwhelming process for us at the start. Thanks to Kalvin’s support and readily being available whenever we needed to reach out no matter what time or day it was, we felt at ease and felt that we were in good hands. We cannot praise Kalvin enough for going above and beyond to assist us in this journey and securing us a good rate. Thank you Kal…we not only found a go-to mortgage agent, but we also got a friend in you!
Kal has been outstanding when coming to thinking-out-of-the-box on the purchase of our dream house. He came up with a plan to refinance existing assets allowing us to proceed with the purchase, which none of the many other brokers we consulted thought about. He worked night and day towards making it happen with tight deadlines, and was always available with reassuring advice. I have recommended Kalvin many times since, and will continue to do so. Kal is a chef, not only in the mortgage industry, but at home when baking delish cookies for his clients!