Zsa Mortgages

Business Details

11 Years

experience

Your Trusted Mortgage Partner in Toronto

At Zsa Mortgages, we pride ourselves on delivering personalized mortgage solutions tailored to the unique financial needs of our clients. Our team of seasoned professionals, led by President & Broker Zena Shekarabi, brings decades of combined experience in residential and commercial lending, construction financing, and debt consolidation. With a client-centric approach, we prioritize transparency, trust, and exceptional service, ensuring every client receives expert guidance from initial consultation to closing. Our commitment to innovation and community involvement has earned us the trust of over 100 clients and 10,000 teams. We specialize in navigating complex mortgage markets, offering access to hundreds of loan programs and negotiating terms that align with our clients' long-term goals.

Our track record of success, including helping clients save an average of 70% on monthly payments, underscores our dedication to excellence. As a licensed brokerage established in 2015, we combine local expertise with national reach, serving clients across Ontario and Canada. Our team's diverse backgrounds in finance, real estate, and community leadership enable us to provide holistic solutions that extend beyond traditional mortgage services. We are committed to ethical practices, continuous education, and fostering lasting relationships built on integrity and results-driven outcomes.

Services

Purchase Mortgages Refinance Solutions Commercial Financing Private Mortgages Construction Loans Mortgage Renewal

Details

Year established: 2015

Highlights and features

We offer 20+ years of combined mortgage industry expertise.
Our team negotiates competitive rates across 100+ loan programs.
We guarantee transparent, jargon-free communication.
Our clients save an average of 70% on monthly payments.
We provide end-to-end support from pre-approval to closing.

What people say

Professional and trustworthy Quick and seamless process Highly recommended Excellent communication Expert mortgage solutions

Website

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Services

Purchase Mortgages

We help clients secure financing for residential property purchases. Our team analyzes credit profiles, income documentation, and down payment capabilities to match clients with optimal loan programs. With access to multiple lenders, we negotiate competitive rates and terms tailored to individual financial situations while ensuring compliance with regulatory requirements.

Commercial Financing

Our commercial lending specialists assist with financing retail spaces, office buildings, and industrial properties. We work with developers and business owners to structure loans for purchases, expansions, or refinancing. Services include analyzing cash flow projections, coordinating property appraisals, and negotiating terms for loans up to $100 million.

Construction Loans

We provide financing solutions for custom home builds and development projects. Our process covers land acquisition, construction phases, and permanent financing transitions. We coordinate with contractors and municipalities to ensure timely fund disbursements while managing risk through regular project inspections and budget reviews.

Mortgage Renewal

Our team proactively reviews existing mortgage terms before renewal dates to identify better market rates. We analyze clients' current financial situations and market conditions to negotiate improved terms, often securing savings of 70% on monthly payments compared to standard bank offers.

Private Mortgages

We connect clients with private lenders for flexible financing options typically ranging from 1-3 years. These interest-only loans suit unique situations like property flips, credit challenges, or bridge financing. We ensure transparent terms and work with borrowers to transition to conventional financing when possible.

People

Zena Shekarabi

President & Broker

With 20+ years in finance, Zena founded Zsa Mortgages in 2015 after successful careers as an accountant and car finance executive. She holds industry honors and specializes in complex transactions for developers and financial institutions.

Ali Etemadi

Vice President

Awards-winning broker since 2004, Ali focuses on private mortgages and development financing. He established Zsa's brand presence and maintains strategic lender relationships while contributing to community charity initiatives.

Mahsa Monajemi

Mortgage Agent

Bringing 15 years of retail management experience, Mahsa specializes in efficient client service and event planning. She streamlines administrative processes and enhances community engagement through organized events.

Asal Etemadi

Office Manager

With legal and compliance expertise from TD Canada Trust, Asal ensures smooth operations. She specializes in real estate closings and contributes multilingual support while volunteering for children's charities.

Questions

What mortgage services does Zsa Mortgages offer?

We provide purchase mortgages, refinancing, commercial loans, private mortgages, construction financing, and renewal options across Ontario and Canada.

How does Zsa Mortgages find competitive rates?

Our team leverages relationships with 100+ lenders and access to 1,000+ loan programs to secure optimal terms for clients.

Can first-time homebuyers get assistance?

Yes, we specialize in guiding first-time buyers through pre-approvals, financing options, and closing processes with clarity.

What sets Zsa Mortgages apart from banks?

We offer independent advice, personalized solutions, and advocacy during negotiations, unlike banks limited to their own products.

How long does mortgage approval take?

Most clients receive pre-approval within 24-48 hours, with full closing timelines varying based on transaction complexity.

Reviews (5)

Write a Review

Mike Farhang

Jan 11, 2022 Report

Critical:Quality
worst experience with their agent Afshine hosseinzadeh. Be aware and never trust him , A real crook !

Ehsan Adiban

Jun 14, 2021 Report

Zena & Associates are not broker, they are beyond broker! The fantastic arrangement, amazing support, fabulous rates and outstanding care is what you get from the company. I wish them all the best and success! Thanks for everything you do!

Sharareh Pirouznia

Mar 26, 2020 Report

We had an absolute great pleasure working with Ms. Shekarabi and her great team specially Mahsa who provided an amazing costumer service and support. We are very pleased with our experience as the team are very reliable, knowledgeable, and professional.

Veronica Da Ponte

Jan 22, 2020 Report

They won the 2020 Top Choice Award and that shows a lot about their business and how much they care about their customers.

Siamak Shiva

Nov 23, 2019 Report

My wife and I know quite a few people who managed to get their mortgage through Zena Shekarabi. Since we dont live close to Toronto, I hadnt thought of contacting Zena Shekarabi before. We mainly liaised with Mahsa and we found Mahsa and the office very efficient and professional. They know their job well and they make sure that you dont feel neglected. I got quick replies to my emails and clear instructions that resulted in a mortgage at a good rate. I recommend Zena Shekarabi with no reservations.