Disclaimer

    Last updated: October 2, 2026

    Licensing

    Jay Shah is a Licensed Mortgage Broker (FSRA Lic. #M22002236) with Affinity Mortgage Solutions Inc., Brokerage #13093, independently owned and operated.

    Not financial, tax or legal advice

    Articles, guides and examples on this site are general information, not financial, tax or legal advice. Speak with a qualified professional about your circumstances.

    Rates and examples

    Rates and worked examples are on approved credit (OAC), subject to change without notice, and for illustration only. APR may differ from the stated rate.

    Statistics

    Where we cite market data, we name the source and date. Markets change, so always check current figures.

    Fees

    For most standard residential mortgages the lender pays the broker. Private, alternative and commercial mortgages may involve a broker fee, always disclosed in writing before you commit.

    Mortgage Kraft · Affinity Mortgage Solutions Inc., Brokerage #13093 · Jay Shah, Licensed Mortgage Broker, Lic. #M22002236 · Rates and examples OAC, subject to change. Not financial advice.