๐Ÿก Niagara ยท GTA ยท Alberta

One Professional.
Two Licences.
One Seamless Deal.

I'm Justin Joseph โ€” a dual-licensed Realtor with eXp and Mortgage Agent Level 2 with Choice Financial. From the Niagara Region to the Greater Toronto Area, I handle your home search and your financing so nothing falls through the cracks.

2
Licences
30+
Lenders
ON+AB
Licensed
๐Ÿ“… Book a Free Call Calculate Your Mortgage
St. Catharines Niagara Falls Welland Hamilton Mississauga Toronto Calgary Edmonton
DUAL
LICENSED
ON & AB
Justin Joseph - Realtor and Mortgage Agent
Justin Joseph
Realtor ยท Mortgage Agent Level 2
๐Ÿ 
eXp Realty
Licensed Realtor ยท Ontario & Alberta
๐Ÿ“‹
Choice Financial Group
Mortgage Agent Level 2 ยท FSRA #13564
๐Ÿ“
Niagara to GTA Roots
Deep local knowledge, both markets
Why Justin Joseph

Toronto Roots. Niagara Home. GTA Expertise.

Raised in Toronto and now rooted in the Niagara Region, I bring genuine firsthand knowledge to both markets โ€” not just the numbers, but the neighbourhoods.

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One Point of Contact

No juggling a realtor, broker, and banker. I coordinate everything under one roof.

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Best Rate, Every Time

Access to 30+ lenders means I shop hard for your rate โ€” not just offer you one option.

โšก

Faster Closings

When your realtor is also your mortgage agent, timelines compress and deals move faster.

๐Ÿ—บ๏ธ

Toronto Raised, Niagara Based

Raised in Toronto, now rooted in Niagara โ€” I have firsthand knowledge of both markets and what buyers and sellers care about in each.

Your 3-Step Journey

1

Free Discovery Call

We map your goals, timeline, and budget in 30 minutes. No pressure, just clarity.

2

Pre-Approval & Property Search

I lock your rate with 30+ lenders while simultaneously searching MLS for the right home.

3

Offer, Mortgage & Close

I negotiate your offer and coordinate your mortgage approval in perfect sync โ€” one seamless close.

Start Now โ†’
What I Offer

Full-Service Real Estate & Finance

Whether you're buying your first home in the Niagara Region, upgrading in the Greater Toronto Area, or refinancing โ€” I've got every angle covered.

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Buy a Home

From Niagara to the GTA, I have deep market knowledge and MLS access to find your perfect property at the right price. Buyer representation at no cost to you.

eXp Realty
๐Ÿท๏ธ

Sell Your Home

Professional CMA, photography coordination, MLS listing, social promotion, and skilled offer negotiation. Maximizing your sale price is the mission.

eXp Realty
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Mortgage Pre-Approval

As a Level 2 Mortgage Agent with Choice Financial, I underwrite mortgages in Ontario AND Alberta, shopping 30+ lenders for your best rate.

Choice Financial ยท FSRA #13564
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Refinance & HELOC

Tap your home equity, consolidate debt, or lower your rate. I structure the right solution for your financial picture.

Choice Financial ยท FSRA #13564
๐Ÿ”๏ธ

Alberta Mortgages

Dual-licensed in Alberta, I can underwrite your mortgage whether you're buying in Calgary, Edmonton, or relocating from Ontario.

Licensed ON & AB
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First-Time Buyers

Navigating your first purchase is complex. I simplify the process from pre-approval to closing, protecting your interests every step of the way.

Niagara ยท GTA ยท Alberta
Active & Recent Listings

Current Listings

Browse active properties and recent sales. Contact Justin to add your property or get an updated market evaluation.

1206 Hansler Rd, Thorold
Sold
$849,900
1206 Hansler Rd, Thorold, ON
๐Ÿ› 6 bed ๐Ÿšฟ 4 bath ๐Ÿš— 2 car garage
MLS# X13004568
577 King Street, Welland
Active
$439,000
577 King St, Welland, ON โ€” Commercial
๐Ÿข Commercial Unit ๐Ÿ› 3 bed ๐Ÿšฟ 2 bath
MLS# X13208430

๐Ÿ“ธ To update listings, provide Justin with property photos and details. Sold listings can be marked at any time.

Mortgage Services โ€” Niagara Region & GTA

Your Mortgage Solution, Whatever Your Situation

As a licensed Mortgage Agent Level 2 with Choice Financial (FSRA #13564), I have access to 30+ lenders โ€” including banks, credit unions, B-lenders, and private lenders. Whether the bank said yes, no, or maybe โ€” I find you a better solution.

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First Mortgage & Home Purchase

Buying your first home or upgrading across the Niagara Region or Greater Toronto Area? I shop 30+ lenders to find you the best rate, structure your amortization for maximum flexibility, and close your deal faster than any single bank.

Learn More โ†’ Apply Now โ†’
๐Ÿšซ๐Ÿฆ

Bank Said No? I Have Options

A bank decline doesn't mean the end of your mortgage journey โ€” it just means their criteria didn't fit your file. I work with B-lenders and private lenders who assess your full financial picture. Self-employed, bruised credit, new to Canada โ€” all welcome.

Learn More โ†’ Get Approved โ†’
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Mortgage Refinance & Renewal

Your renewal is your most powerful negotiating moment โ€” and most Canadians leave money on the table by going back to their existing lender. I shop every option at renewal to reduce your rate, restructure your term, and lower your monthly payment.

Learn More โ†’ Review My Rate โ†’
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Home Equity & Cash-Out Refinance

Access up to 80% of your home equity for renovations, debt consolidation, investment properties, or major purchases. A cash-out refinance often delivers funds at mortgage rates far lower than credit cards or personal loans โ€” using equity you've already built.

Learn More โ†’ Unlock My Equity โ†’
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Debt Consolidation Mortgage

High-interest credit cards and personal loans draining your cash flow? Roll them into your mortgage at a fraction of the interest rate. Many Niagara homeowners reduce their total monthly obligations by $500โ€“$1,500 through a well-structured consolidation.

Learn More โ†’ Consolidate Now โ†’
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Second Mortgage & Private Lending

Need access to equity without breaking your existing first mortgage and paying a penalty? A second mortgage in second position lets you access funds quickly without disrupting your primary mortgage. I structure private and alternative solutions most brokers won't touch.

Learn More โ†’ Explore Options โ†’

Access to 30+ Lenders Across Canada

Major Banks  ยท  Credit Unions  ยท  B-Lenders  ยท  Monoline Lenders  ยท  Private Lenders  ยท  Alternative Lenders

Mortgage Payment Calculator

Get a quick estimate โ€” then book a call for a real pre-approval with actual rates from 30+ lenders.

Enter Your Details

Your Estimated Payment

$2,847
per month
Mortgage Amount $520,000
Total Interest Paid $334,100
Total Cost $854,100
Down Payment % 20%
โšก Start My Application ๐Ÿ“ž Call Justin Directly

Get a Free Mortgage Review

No obligation. No credit hit. Just answers โ€” usually within a few hours.

Your information is confidential and never sold. Justin Joseph ยท Mortgage Agent Level 2 ยท Choice Financial ยท FSRA #13564

Justin Joseph - Realtor and Mortgage Agent, Niagara to GTA
Toronto Raised
Niagara Based ๐Ÿก
About Justin

Your Local Expert from Niagara to the GTA

I was raised in Toronto and now call the Niagara Region home โ€” which means I have genuine roots on both sides of the corridor. I don't just know the data; I know the streets, the neighbourhoods, the school zones, and what makes each community worth living in.

Most people dealing with real estate are bouncing between three professionals: a listing agent, a mortgage broker, and a bank. They repeat their story each time and hope everyone communicates. When you work with me, that problem disappears. One licensed professional handles your listing, your pre-approval, and your purchase.

As a Mortgage Agent Level 2 with Choice Financial (FSRA #13564), I have access to over 30 lenders and can underwrite mortgages in both Ontario and Alberta. Whether you're a first-time buyer in the Niagara Region, upgrading in the Greater Toronto Area, or relocating to Calgary โ€” I'm your one call.

โœ… Realtor โ€” eXp Realty โœ… Mortgage Agent Level 2 โœ… FSRA #13564 โœ… Licensed Ontario โœ… Licensed Alberta โœ… 30+ Lenders
Book Your Free Call โ†’
Get in Touch

Let's Talk Real Estate & Mortgages

Whether you're ready to buy, sell, or just exploring your options โ€” a 30-minute call costs you nothing and could save you thousands.

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647-539-7051
โœ‰๏ธ
justinjrealty@gmail.com
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Quick Inquiry

Fill this in and Justin will reach out within 24 hours โ€” usually same day.

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