Getting approved when you run your own business isn't always straightforward — but it's what I specialize in. I also serve healthcare professionals, cottage and rural buyers, and first-time homeowners across the Georgian Bay region, with access to 50+ Canadian lenders.
I'm not a call-centre voice on the other end of a 1-800 number. I'm a mortgage professional rooted in this community — Owen Sound, Meaford, Collingwood, Barrie, and the broader Georgian Bay corridor is where I live, work, and build relationships.
With 26 years in the mortgage industry — starting at CIBC, then TD Canada Trust — I know how banks think, how they price, and where they'll decline you when the right independent lender would say yes. That banking background is your advantage.
As an Accredited Mortgage Professional (AMP) with Mortgage Architects, I have access to over 50 lenders including major banks, credit unions, monolines, and alternative lenders. I work for you — not for any one bank's quota.
If you're self-employed in Grey-Bruce, getting approved requires the right lender — not just the nearest bank branch. I also serve cottage and rural buyers and first-time homeowners across the Georgian Bay corridor.
Business owners, tradespeople, and incorporated professionals get short-changed by traditional bank underwriting. I specialize in stated-income and alternative lending programs that recognize your full financial picture — not just a T4.
Georgian Bay cottages, waterfront land, agricultural parcels, and seasonal properties require specialized lenders. I know which ones will finance them — and at what terms. Don't let a bank's "no" be the final word.
Getting into the Grey-Bruce market shouldn't be complicated. I'll walk you through every step — pre-approval to closing — and make sure you fully understand every document before you sign. No jargon. No surprises.
Doctors, dentists, nurses, and pharmacists often carry significant student debt alongside complex compensation structures — locum arrangements, partnership income, or mixed earnings. I know which lenders offer professional mortgage programs with expanded qualifying ratios built for healthcare workers.
Three straightforward steps — and you'll know exactly where you stand at every one of them.
We talk about your goals, income, property type, and timeline. No commitment, no judgment. I'll give you an honest read on where you stand and what's possible.
One application, dozens of lenders reviewed. I compare rates, terms, and qualifying criteria to find the mortgage that fits your situation — not just the easiest one to put through.
I handle the paperwork, coordinate with your lawyer and realtor, and walk you through everything until closing. Then I'm still your contact for renewals, refinances, and questions down the road.
Through Mortgage Architects — one of Canada's largest independent brokerages — I have access to a lender network no single bank can match. Real competition for your business means better rates and better outcomes for you.
Chris Genova is an independent mortgage agent operating through Mortgage Architects Inc. (FSRA Brokerage Licence #12728), independently owned and operated.
"Chris helped me get approved to purchase my first home. We were on a tight deadline and there were a lot of factors out of our control, but Chris was calm, knowledgeable and assured me everything would work out. Now loving my new house! I can't thank Chris enough for everything."
"Chris is an excellent broker. We used him for our first mortgage and renewal. Very professional and you would be hard pressed to find someone else with his level of knowledge in the industry."
"I met Chris Genova through the Owen Sound Referral Club and worked with him for the purchase of my first home. As a self employed person purchasing my first time home — he took his time to explain everything and make sure I knew the full process. From start to finish he was accessible for all questions, and reliable for the panic I had from time to time. He is up front, calm and honest about every step of the process and I can't recommend him enough!"
View Chris's full professional history, licences, and verified track record on the Authority Hub™ Trust Network.
Expert guidance on self-employed mortgage financing — written for business owners, tradespeople, and incorporated professionals in Grey-Bruce and across Ontario.
Running your own business in Grey County or Bruce County and wondering if you can qualify? Here's exactly how independent mortgage agents approach self-employed applications — and why access to 50+ lenders changes everything.
Read ArticleThe rules for self-employed mortgage borrowers in Ontario are different than for salaried applicants. This guide breaks down what lenders look for, what documents you need, and how to put your strongest application forward.
Read ArticleThere's no cost to you and no obligation. A 15-minute conversation is often all it takes to know exactly where you stand and what your options are.
No pressure. No cost. Just a real conversation about your mortgage situation.
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