Richard is a Mortgage Broker with 13 years of experience in real estate financing, including six years at Scotiabank and BMO. He holds a degree in Economics from McMaster University and is passionate about helping clients make smart, strategic mortgage decisions—especially during uncertain market conditions.

Richard’s approach goes beyond just getting the mortgage approved. He focuses on long-term planning that considers the full amortization period, not just the initial term. He understands that no two borrowers are the same, and takes the time to tailor each solution around his clients’ unique goals, risk tolerance, and cash flow needs. It’s never just about the transaction—it’s about building trusted, long-term relationships.

A member of the “Presidents Club” for being in the top 5% of mortgage producers nationwide, Richard attributes his success to the referrals and loyalty of satisfied clients. Having lived in seven countries, he brings a global perspective to his work. He’s fluent in Spanish, a proud father of two, and enjoys cooking and spending quality time with his family.