EMA Mortgage Team - Mortgage Alliance - Oakville, Ontario

Theanna M.

I am very happy with the service I received. Ray feels like family. I believe every family needs a doctor, a lawyer and now a mortgage specialist to navigate this world. The customized care you receive is far exceedingly above what is out there. He takes care of your needs. The follow up care is amazing. He checks in to ensure all is well with the process and if you have any questions. I feel like I have a representative at the table. Thanks for the amazing service Ray.

Jennifer B.

Raymond Daez, EMA Mortgage Team- Expert Mortgage Agents is always at the top of my list when clients ask for a mortgage broker recommendation. With his years of experience and deep industry expertise, I know my clients are in excellent hands. He takes the time to truly understand each client’s needs and finds the right mortgage solution for their situation.

Raymond is fantastic at explaining the mortgage process, ensuring clients feel informed and confident every step of the way. His communication is top-notch—he keeps both my clients and me updated at every stage.

Whether he's guiding first-time homebuyers, helping seasoned investors expand their portfolios, assisting self-employed individuals who don’t qualify for traditional mortgages, or supporting empty nesters looking to access their home’s equity, Raymond is skilled at finding the right solution. I highly recommend him to anyone in need of expert mortgage advice!

Edgar O.

Ray and his team have gotten me the best rates for all my mortgage needs. His knowledge and professionalism are the main reasons why i continue to go to him for my mortgages. Decisions are easier when you have someone that can explain all the nuances of getting a mortgage, and that's what Ray does. He is able to explain clearly and help create a plan based on your financial goals when looking for lenders. From investment properties to your primary residential home, he can find the best rates and lenders to suit your mortgage requirements.

Highly recommend Ray and his team at EMA Mortgage Team.

Erin L.

I collaborate with Raymond regularly and I am always impressed and so very appreciative. His dedication and care are always evident. Raymond is a mortgage veteran and he demonstrates through his knowledge and competency. He maintains transparency, keeping my clients informed at every stage. His professionalism and integrity shines, exceeding expectations. I wholeheartedly recommend Raymond for his exemplary service. If you seek a professional who goes the extra mile with expertise and care, he is your solution.

Mary E.

We recently used the EMA Mortgage Team for our home purchase. Ray is professional, knowledgeable and helpful in every aspect. He followed up with us regularly and explained every step in detail. We are so impressed with Ray and we’ll definitely be seeking his services to invest in rental properties in the very near future.

Trevor M.

Raymond is absolutely amazing to work with! He helped us purchase our very first cottage and we can’t thank him enough.

Raymond is very professional and truly cares about helping you achieve your real estate goals.

Debbie T.

We had the opportunity to work with a representative, Raymond to help with our recent move, new mortgage planning and financing. Raymond was very patient and explained everything so clearly and helped us to make the right choices that best suited our needs. His professionalism and extensive knowledge of financial products was really a benefit and comfort to us in what could have been a stressful part of our new purchase. Calls and discussions with Raymond gave us confidence that we were making smart decisions that would be a benefit to us. I would not hesitate to speak with an EMA team member. Such a benefit to have the flexibility to work with a professional remotely. Another benefit during an extremely busy time to be able to virtually meet when it best suited our calendars!!!

Jennifer D.

I cannot speak more highly about Ray and his team. Ray continues to go above and beyond; he has successfully completed 4 products for me already. Whether it was one of my mortgage applications or home equity line of credits, Ray thoroughly walked me through each process ensuring I understood the decisions I made. He continues to keep me updated with the current market and presents analysis/ reports for me to make the right choices for my family and I.
As a teacher, I whole heartedly admire Ray’s transparency, patience, and his ability to explain areas of the business that I may not understand. He treats us like family and he is so trustworthy and genuine. I will continue to refer him to everyone I know!!
Amazing job Ray!! I cannot thank you enough Ray!! We will be doing business again very soon!!