Business Details
Your Trusted Mortgage Partner in Ontario
TM Lending is committed to making the mortgage process smooth and stress-free, prioritizing customer satisfaction above all else. Our team of experienced professionals works closely with each client to understand their unique needs, providing personalized mortgage solutions and expert guidance to help them achieve their financial goals. With a dedication to clear communication and support throughout every step, we ensure a positive and rewarding mortgage experience for all. Founded by Esi Ghassemi, who sought to simplify the mortgage process and prioritize client care, TM Lending has grown into a leading industry presence. Our mission remains to guide clients confidently through their mortgage journey, fostering strong relationships and empowering financial decisions that positively impact both individuals and the community.With over 10 years in the financial industry, we have brokered over 100 projects and $170 million in mortgages, demonstrating our deep expertise and extensive experience. Our connections to over 50 lenders, including major banks and private lenders, give clients a broad spectrum of financing options. We pride ourselves on transparency, trust, and personalized service, ensuring that every client receives tailored solutions aligned with their specific needs.
Services
Land Acquisition Financing
Development Financing
Construction Financing
Private Financing
Bridge Loans
Multi-Family Units
Highlights and features
- We have over 10 years in the financial industry.
- We have brokered over $170 million in mortgages.
- Our connections with over 50 lenders ensure diverse financing options.
- We offer fast pre-approvals within 3-4 days.
- We have a stellar reputation with 100+ five-star Google reviews.
What people say
Very professional
Smooth process
Expertise
Trustworthy
Best mortgage broker
Services
Land Acquisition Financing
Land Acquisition Financing helps clients purchase raw land for residential, commercial, or industrial development. TM Lending offers flexible loan options, competitive rates, and personalized consultations to secure funding for projects ranging from subdivisions to industrial parks. Our expertise ensures clients meet property criteria and zoning regulations while navigating the complexities of land use planning.
Development Financing
Development Financing supports transforming raw land into residential subdivisions, commercial buildings, or mixed-use condominiums. TM Lending provides loans ranging from $15 million to $600 million, with tailored solutions for land leveling, road construction, and infrastructure development. Our team ensures clients meet qualification criteria, including financial stability and project feasibility.
Construction Financing
Construction Financing covers costs for large-scale projects like subdivisions and custom homes. TM Lending offers short-term loans disbursed in stages, with options for construction-to-permanent or stand-alone loans. We specialize in working with Tarion-licensed builders, ensuring projects stay on budget and on schedule with competitive rates and flexible terms.
Private Financing
Private Financing provides tailored solutions for clients with non-traditional financial profiles, including self-employed individuals or those with bad credit. TM Lending offers flexible terms, quick approvals, and competitive rates for property types ranging from single-family homes to commercial developments. Our network of private lenders ensures access to capital for unique or high-risk projects.
Bridge Loans
Bridge Loans address cash flow gaps for builders and developers needing immediate funds. TM Lending offers loans ranging from $1 million to $50 million, with quick approvals and flexible repayment terms. These loans cover land acquisition, construction costs, or project expansions while awaiting permanent financing or property sales.
People
Esi Ghassemi
Founder | Mortgage Broker
Esi Ghassemi founded TM Lending with a vision to simplify mortgages through transparency and client care. With over a decade of experience in residential and commercial construction, he has brokered $170 million in mortgages, earning a reputation for professionalism and expertise.
Sam Orfanakos
Mortgage Agent Level 1
Sam Orfanakos brings expertise in mortgage solutions, holding a Level 1 RMA certification. He focuses on delivering personalized service and competitive rates, leveraging his deep understanding of the Ontario market to support clients' financial goals.
Erfan Liaghatmand
Mortgage Agent Level 2
Erfan Liaghatmand specializes in complex mortgage scenarios, offering tailored solutions for clients with unique financial situations. His Level 2 certification and commitment to excellence ensure clients receive strategic guidance and competitive financing options.
Questions
Is TM Lending a direct lender?
No, TM Lending is not a direct lender. We partner with 50+ lenders, including banks and private lenders, to secure the best rates for clients.
What loan amounts does TM Lending typically provide?
We fund mortgages between $5 million and $600 million, catering to large-scale residential and commercial projects.
How does my credit score impact mortgage approval?
Higher credit scores qualify for better rates. Clients with fair credit may still qualify but at higher rates due to increased risk.
How fast can I close my mortgage after offer acceptance?
Closings typically take 14 days, though complex loans may require additional time depending on lender requirements.
Can TM Lending help with refinancing?
Yes, we offer refinancing solutions to secure better rates or access home equity, tailored to clients' financial goals.
