Mortgage Agent Level 1 | Broker #12728
Meet Justine,
Your Trusted Mortgage Agent
Justine Secord spent 16 years as a Financial Services Manager at one of Canada's top luxury dealerships — four times recognized as a top performer. She knows how financing works, how lenders think, and how to find solutions that actually fit your life.
Now she applies that same discipline to mortgages, helping Niagara-area clients buy their first home, navigate renewals, access equity, or qualify when other lenders have said no.
She's straightforward, thorough, and on your side.
16 Years of Finance Experience
Before mortgages, Justine spent 16 years structuring deals inside one of Canada's top luxury dealerships. She knows how lenders think — and how to present your application in the best possible light.
Free Consultations, No Pressure
No Fees. Ever. Justine is paid by the lender when your mortgage closes — not by you. That means every conversation, every question, and every hour she puts into your file costs you nothing. Her only incentive is finding you the right deal.
Access to 50+ Lenders
As part of the Mortgage Architects network, Justine shops your application across banks, credit unions, and alternative lenders — not just the first option that says yes.
Licensed & Local to Niagara
Fully licensed and insured, Justine is a licensed Mortgage Agent who actually lives here. She knows which lenders are active in this market, how local properties typically appraise, and how to keep your file moving without the back-and-forth that slows things down.
Why Choose Justine
How Justine Can Help
Pre-approvals, purchases, renewals, refinancing, HELOCs, and private mortgages — Justine works with first-time buyers, growing families, self-employed borrowers, and homeowners coming up on renewal. If you need a mortgage, she knows how to get it done.
Pre - Approval
Before you start house hunting, know exactly what you can afford. A pre-approval
tells sellers you're serious, and removes the biggest unknown from the buying process.
Refinance & HELOC
Your home has built up equity — put it to work. Whether you're consolidating debt, funding a renovation, or accessing cash through a HELOC, Justine finds the structure that saves you the most money.
Purchase
Whether it's your first home or your fifth, Justine shops 50+ lenders to find the rate and terms that actually fit your situation — not just the first approval that comes back.
Reverse Mortgages
If you're 55+ and equity-rich but cash-poor, a reverse mortgage lets you access your home's value without selling or making monthly payments. Justine walks you through exactly how it works and whether it's right for your situation.
Self - Employed
Banks see irregular income as risk. Justine knows how to present self-employment income the right way — using your actual financial picture to qualify you with lenders who understand how business owners earn.
Construction
Building from the ground up? A construction mortgage releases funds in stages as your build progresses — so you're only paying interest on what's been drawn, not the full loan from day one.
Don't see what you're looking for?
Ready to Talk Through Your Options?
No commitment, no jargon. Send a message or book a call and Justine will get back to you within one business day. Whether you're buying your first home, coming up on renewal, or just not sure where to start — every conversation begins the same way: with a straight answer.
Let's Connect!
Justine Secord
Mortgage Agent Level 1 | Broker #12728
Phone: 905-329-9329
Email: justine@secordfinancial.ca
Run the Numbers First
Access real-time rates, mortgage calculators, and payment estimates through the Mortgage Architects app — before you even book a call. Free to download.