Hi, I’m Patrick Tran, a Mortgage Agent Level 1 based in Toronto, currently working with ON Company. With over 10 years of experience in the banking industry at TD, I have developed a strong foundation in customer service, mortgage compliance, and loan origination. My career has encompassed roles ranging from Manager of Customer Experience to Financial Services, which has given me broad expertise in investments, credit, and real estate secured lending. I hold several professional certifications including Mortgage Agent Level 1, PFP1, BCO, IFIC, and PFSA, and have completed the REMIC education program, all of which equip me to deliver knowledgeable and compliant mortgage solutions. Fluent in both English and Cantonese, I strive to provide clear and effective communication to meet the diverse needs of my clients. My approach focuses on understanding each client’s unique financial situation and goals to offer tailored mortgage advice and support. Whether you are a first-time homebuyer or looking to refinance, I am committed to making the mortgage process smooth and efficient for you. I look forward to helping you navigate your home financing journey with confidence.