Hope Spence
Hope Spence
"The right mortgage isn’t just about numbers—it’s about securing your future. I’m here to make that future a reality."
*As Featured in The Toronto Star, CMP, and Forbes.
📊 Not sure what you can afford? → Estimate Your Mortgage Payment
🏡 Meet Hope Spence – The Mortgage Expert Who Puts You First
Your Dream. Your Investment. Your Future.
When it comes to securing the right mortgage, you need more than just a broker—you need a strategist, an advocate, and a trusted guide. Hope Spence isn’t just any mortgage agent; she’s a powerhouse with over 7 years of expertise in residential, commercial, and land development financing—backed by 20+ years as a small business owner and a career as a hospital administrator where precision and care were paramount.
🏆 Why Work with Hope?
Because she doesn’t just close deals—she creates financial legacies.
💡 Experience That Works for You
- 7+ Years in Mortgage Expertise – From first-time homebuyers to seasoned investors, Hope tailors every loan strategy to your unique goals.
- 20+ Years as a Small Business Owner – She understands entrepreneurship, cash flow, and investment like few others in the industry.
- Former Hospital Administrator – Detail-oriented, patient, and fiercely dedicated to ensuring nothing falls through the cracks.
💬 Clients Say She’s Different—Here’s Why
Hope doesn’t just find you a mortgage—she fights for you.
🔹 Patient & Understanding – Whether you’re a first-time buyer or a seasoned investor, Hope takes the time to educate and guide you.
🔹 Above & Beyond Service – Her clients rave about how she anticipates challenges before they happen, ensuring a seamless experience.
🔹 Determined & Engaging – Hope is relentless in securing the best rates and terms, turning what feels overwhelming into an exciting step forward.
💬 “Hope made me feel like I was her only client. She took the stress out of the process, answered every question, and found me the best deal when other lenders said no!” — ★★★★★ Client Review
📌 More Than a Mortgage Broker—She’s an Advocate
Hope understands that real estate is more than just a transaction. It’s your future. Whether you’re looking for:
✅ A home loan to start the next chapter of your life
✅ A commercial mortgage to expand your business
✅ A land development loan to build your vision from the ground up
Hope will find a solution that fits your goals—no matter how complex.
🌍 A Life Beyond Mortgages
Outside of work, Hope is an avid reader and traveler, always exploring new cultures, perspectives, and ideas. She believes that travel broadens the mind, just as homeownership creates stability—both essential investments in a life well-lived.
🔹 Ready to Take the Next Step? 🔹
Mortgage decisions are too important to leave to chance. Partner with someone who truly cares about your financial success.
📞 Call Hope Today at 647-996-6423
📩 Email: HSpence@thegenesisgroup.ca
💼 Apply Now: Mortgage Application
🔗 See What Clients Say → Genesis’ Google Reviews
📊 Use the Mortgage Calculator → Mortgage Calculator
💭 Your Goals. Your Mortgage. Your Future.
With Hope Spence, you’re in the best hands.
⭐️ See Why Homeowners & Investors Trust Genesis Group
📢 Over 20+ 5-Star Reviews—Because Your Success is Our Priority.
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Great People!!!! I love this team
Kirk Bryan
November 5, 2024If getting a mortgage was an Olympic sport, these guys would take gold—blindfolded, on a unicycle, while juggling flaming swords. They made the process so smooth, I was half convinced... read more
Samantha L
September 5, 2024Kirk is a class act! He helped me with my first home property mortgage and couldn’t have asked for a more professional person to deal with. Him and his team... read more
Lui Vescio Jr.
December 5, 2024 -
Had a great experience dealing with Brittney. Fantastic communication and really worked for me and my needs. Will never go anywhere else for my financial needs
Mark Winter
November 5, 2024As a first-time homebuyer, navigating the mortgage process can be incredibly daunting, but The Genesis Group made it not only manageable but truly rewarding. I had the distinct pleasure of... read more
Rohan Spence
May 5, 2024Could not say enough about The Genesis Group. The level of dedication, professionalism, and knowledge is unmatched. When dealing with such a big life decision like buying a house -... read more
Maria Woychyshyn
November 5, 2024 -
I had a great experience with The Genesis Group. The process was smooth, with clear communication and competitive rates. Their team was responsive and helpful throughout. Highly recommend!
Breanna Bacik
September 5, 2024My husband and I had used Kirk and his team upon closing a deal on our home. We couldn’t be more happy with everything Kirk and Brittney have done for... read more
Laura Vescio
November 5, 2024Amazing experience with this team, the extra mile was taken in order to get me the best rate possible.
Sam S
November 5, 2024
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No cost, no obligation—just your best rate in minutes.
At Genesis Group, we’re dedicated to securing the lowest rate possible for you. Your personalized rate depends on factors like credit score and home equity, in line with Canadian regulations. Get your tailored details quickly—with zero cost, zero obligation, and total peace of mind.
Want a more detailed breakdown? Explore our Comprehensive Mortgage Payment Calculator for a deeper look at your financing options.
📩 Let’s Secure Your Mortgage—Talk to Hope Today!
💬 Have questions? Need expert guidance? Fill out the form, and I’ll be in touch within 24 hours!
FAQ
Why should I work with a mortgage agent instead of a bank?
Mortgage agents have access to multiple lenders, not just one. This means I can shop around for the best rates and terms that fit your financial situation—unlike banks, which only offer their own products. Plus, I work for you, not the lender!
How much do I need for a down payment?
The minimum down payment depends on the property price:
- 🏡 Less than $500,000 → 5% minimum
- 🏡 $500,000 – $999,999 → 5% on the first $500,000, 10% on the remaining amount
- 🏡 $1M+ → 20% minimum
Want a personalized estimate? Use my Mortgage Calculator.
What credit score do I need to get approved for a mortgage?
Ideally, a score of 680+ gives you access to the best mortgage rates. However, if your score is lower, there are alternative lending options available. I can help guide you toward the best solution!
Can I get a mortgage if I’m self-employed?
Absolutely! Self-employed individuals can qualify for a mortgage, but lenders may require more documentation (e.g., tax returns, bank statements, NOAs). I specialize in finding tailored mortgage solutions for self-employed clients.
What’s the difference between fixed and variable mortgage rates?
✔ Fixed Rate: Your interest rate stays the same for the entire term—best for stability.
✔ Variable Rate: Your rate fluctuates based on the market—can save money if rates drop.
Not sure which one is best? Let’s discuss your options!
How long does mortgage approval take?
Pre-approvals typically take 24-48 hours, while full mortgage approvals can take 5-10 business days, depending on the lender and required documents. The sooner you submit everything, the faster we can get you approved!
Still have questions? Let’s chat! 📞 Call or text me at 647-996-6423.
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