About Rico

Who am I?

My name is Rico Johnston and I have over 17 years of experience in the Mortgage Industry. With HQ Mortgages, I take pride in providing excellent customer service resulting in best possible results for my client.

Being Bilingual in both French and English allows me to diversify explanations of product functions in many ways for all clients to understand. I am a well organized individual/team player and use my resources to meet my clients deadlines with the best of my abilities.

What's a Mortgage Agent/Broker?

A mortgage agent or broker, acts as an intermediary who brokers mortgage loans on behalf of individuals or businesses. They shop the market with various financial institutions to get the best mortgage solution possible for their client.

Mortgage Agent/Broker are FREE

The agent/broker works for you, the customer, and best of all (besides the fact that they can save you thousands), they don’t charge a fee. Brokers are paid by the lenders once they close the mortgage deal not by you (the borrower).

There are occasions where a broker fee is charged, but only for the Tough Credit Mortgage, and it’s especially under those circumstances that a mortgage professional can do for you what your bank can not.