I recently worked with Emjay Aureada from DLC Utmost Financial to refinance my mortgage, and I can't thank her enough! I was caught up with life and missed my mortgage renewal deadline last December. My bank, which I had been loyal to for many years, automatically placed me in an open mortgage with a very high interest rate—it ended up costing me a lot in just one month. It felt like my years as a client meant nothing to them. That’s when I decided to reach out to Emjay, and it was the best decision I made. She was incredibly helpful, knowledgeable, and organized throughout the entire process. Despite the complexity of my file, Emjay handled everything efficiently and made sure I was informed every step of the way. She was patient with all my questions and explained things in a way that was easy to understand. The toolbox she uses is also super convenient—it gave me clear and accurate breakdowns of payments and costs. But what really stood out was Emjay’s personal touch and dedication. She genuinely cares and went above and beyond to help fix a costly situation. I highly recommend Emjay for any mortgage needs. I’m definitely staying with her for all my future renewals and properties.