Gretchen and the Mortgages by Gretchen Team are recommended by “Three Best Rated”, based on outstanding client reviews and facing a 50-Point Inspection. They are also the proud recipients of two 2020 #1/Diamond Reader’s Choice Awards from “Oshawa/Whitby This Week”.

Gretchen, Mortgage Agent and Team Leader, is passionate about connecting with clients to uncover their values and needs. She then creates a plan and recommends the best mortgage products that align with their desired lifestyle and goals. Her philosophy is to be your advocate in the short and long term, striving for excellence in achieving results. With her 18 years of experience, she is able to quickly determine your best option and present her recommendations in a clear manner. Gretchen graduated from the University of Michigan in Psychology and came to Canada over 30 years ago, so she gets the “new immigrant” experience. Having experienced the challenges of a divorce, Gretchen has compassion for those separating and draws on her own experience to help people to keep their homes, buy a new one to live in or buy as an investment property.

If you are self-employed, Gretchen will show you how to maximize your total income to qualify for a larger mortgage than allowed by banks – and at reasonable interest rates. She also has the expertise to provide solutions to Real Estate Investors, seeking to flip, BRRR (buy, renovate, refinance, rent) or convert a single-family to a 2 or 3-unit income property.

Always prioritizing being accessible, Gretchen offers phone, Google meetings and in-person meetings, on the same day or within 24 hours. Gretchen loves to read about how the mind, emotions and soul can be understood to create a life of joy and tapping into her “inner genius”. She hikes and cycles and spends time with her 3 children, friends and husband, Bob. She loves life and the growth opportunities each moment brings.

The team is caring and dynamic with a sense of urgency to meet your needs. Monique is the Client Intake Coordinator, answering the phones and initial emails and making sure you are able to meet with Gretchen to arrange the best mortgage in a timely matter. Monique and Julia are the Client Experience Coordinators. They collect your documents, update the application, submit your application to lenders and work with the lawyers. Mellisa is the Client Experience Manager for the Mortgages by Gretchen Team and that means that she is the one behind the scenes that keep things moving along!

Let Mortgages by Gretchen provide a great experience for you!

Gretchen led us through the mortgage preapproval process with professional ease. I had never worked with a broker before, and she was able to secure an excellent rate for us! She answered our many questions promptly, and knowledgeably guided us through the entire process. Would highly recommend and work with Gretchen again!
Katrina Huygen
Gretchen and her team deserve an honest review. I have worked with Gretchen for a few years now and I cant say enough about the level of professionalism and attention to details that she provides. She delivers a quality service each and every time, and I am not a textbook client for her. I am looking forward to working with her team again in the near future. so should you.
Brian Lawlor
Gretchen was amazing to work with. She was very helpful and knowledgeable and able to navigate me through some different products to meet my mortgage needs. She has a large network of contacts that she is able to draw on to learn about new products or get additional information on existing products and requirements. I reached out to Gretchen a second time when my mortgage was renewing and once again, she went out of her way to help me. I would definitely recommend Gretchen and her team for all your mortgage needs!
Shanon Hawkshaw

Get in Touch

First time buyer or refinancing? Call for a free quote!

Learn More

Apply Now

We shop for the best mortgage option at no charge to you.

Learn More