Mortgage Truth

About Mortgage Truth

Michael Smele, a Mortgage Agent based in Barrie, Ontario, established Mortgage Truth with the primary objective of empowering clients to make informed mortgage decisions. By providing clear explanations of mortgage options and leveraging access to a vast network of hundreds of trusted lenders across Ontario, Michael strives to secure the most favorable rates for a diverse range of mortgage services. His expertise spans critical areas including private mortgage loans, reverse mortgages, mortgage refinancing, home purchase loans, bad credit mortgages, debt consolidation, and home equity loans. Michael has a proven track record of assisting clients facing challenging mortgage situations where other avenues seemed closed. He aims to offer personalized advice, contrasting with the often one-size-fits-all approach of traditional banks. Mortgage Truth serves as a platform to showcase his services and share valuable information for sound mortgage decision-making. He serves clients in Barrie, Newmarket, Aurora, Innisfil, and Bradford, as well as the Greater Toronto Area (GTA) including Richmond Hill, Markham, Mississauga, and Brampton, and throughout Ontario. While much of the process can be managed remotely via phone and email, in-person meetings are also available. Michael is part of an award-winning team, recognized for achieving the highest funded volume in both 2020 and 2023 within his brokerage. He welcomes inquiries of any size and looks forward to assisting with mortgage needs.

Credibility & Expertise

Michael Smele operates with a Mortgage License (M08005420) and a Mortgage Broker License (10464), signifying his professional qualifications and adherence to industry standards. He is associated with Real Mortgage Associates, with offices located at 207-132 Commerce Park Drive, Barrie, ON L4N 0Z7, and 578 Upper James St, Hamilton, ON L9C 2Y6. His brokerage has been recognized for significant achievements, including the highest funded volume in 2020 and 2023, underscoring the team's success and client trust. Michael's commitment to client success is evident in his approach to securing the best rates and assisting clients through complex financial situations. He emphasizes transparency and education, ensuring clients understand their options. His extensive service area, covering Barrie, Newmarket, Aurora, Innisfil, Bradford, Toronto, the GTA, and all of Ontario, demonstrates his reach and capability to serve a broad client base.

Mortgage Truth Services

Mortgage Truth, led by Michael Smele, offers a comprehensive suite of mortgage services designed to meet diverse client needs. Key offerings include Home Purchase Loans, Private Mortgage Loans, Home Equity Loans, Debt Consolidation Loans, Bad Credit Mortgages, Mortgage Refinance, Reverse Mortgages, Mortgage Pre-Approval, Self-Directed RRSP Mortgages, Mortgage Investment opportunities, and Credit Enhancement services. Michael specializes in assisting clients with challenging financial situations, including those with bad credit or in need of debt consolidation. He also facilitates mortgage investments and helps clients grow their RRSPs through mortgage lending. The platform provides resources and guidance on various mortgage-related topics, aiming to simplify the process for borrowers and investors alike. Service areas extend across Ontario, including Barrie, Newmarket, Aurora, Innisfil, Bradford, Toronto, and the Greater Toronto Area (GTA).

Unique Advantages

Michael Smele, operating as Mortgage Truth, distinguishes himself through his extensive experience and personalized approach to mortgage brokering. He is part of an award-winning team that achieved the highest funded volume in 2020 and 2023 within their brokerage. Michael holds both a Mortgage Agent License (M08005420) and a Mortgage Broker License (10464). He offers specialized services such as private mortgage loans and reverse mortgages, catering to clients who may not fit traditional lending criteria. His commitment to client education and accessibility, offering services across Barrie, the GTA, and all of Ontario, further sets him apart.