Cognitive Capital

Customer Reviews

I partner with mortgage lenders who share my beliefs that applying for a mortgage or financing should be fast, simple, and secure.

Luis Ortega

20-05-23

Michelle is such an incredible person to deal with! Her and her team are just wonderful. Michelle was very responsive and smart. She provided myself and my husband with solutions that would benefit us the most currently and for our future plans.

Jane Smith

22-06-23

Michelle is truly a pleasure to work with! Her team and she are simply outstanding. She was always quick to respond and highly intelligent. Both my husband and I were offered solutions by her that were optimal for our present and future goals.

Paul Do

01-08-22

Working with Michelle has been an amazing experience! She and her team are top-notch. Always attentive and sharp, Michelle gave my husband and me the best solutions for our immediate needs and long-term aspirations.

 
 
 
 
 
 
 
  
 
 
  
  
 
 
 Haley Marcus 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
The Cognitive Capital team was amazing and supportive throughout the entire process; highly recommend for first time home buyers as well.
  
 
  
 
 
  
  
 
 
 Courtney 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
⭐⭐⭐⭐⭐
As first-time homebuyers, my partner and I were incredibly nervous navigating the mortgage process.  Thankfully, we were connected with Michelle from Cognitive Capital,
and they made the entire experience absolutely seamless!  From our initial consultation, Michelle and her team took the time to understand our needs and patiently explained all our options in a way that was easy to understand.  They were always available to answer our questions (and we had a lot!) and kept us informed every step of the way.  Michelle  went above and beyond, negotiating a fantastic rate for us and handling all the paperwork with incredible efficiency.  What could have been a stressful experience was actually enjoyable thanks to their expertise and dedication. We highly recommend Cognitive Capital!
  
 
  
 
 
  
  
 
 
 Mikayla Kuehn 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Michelle and her team were excellent! As a first time home buyer, I relied on Michelle to answer many questions and help guide me in the process. She kindly answered everything and helped me understand each step. I was also able to get an incredible rate with Michelle and secure everything in a very timely matter. She literally MADE this happen and I couldn't have done it without her. Michelle's team is also amazing - they worked so quickly with high attention to detail and lots of care. I was very impressed with how smoothly this went. Working with Michelle and her team definitely made my first home purchase as stress-free as possible.
  
 
  
 
 
  
  
 
 
 Kip Maritim 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
They are amazing team. They iron  out my mortgage refinance wringles  in a professional and timely manner.
  
 
  
 
 
  
  
 
 
 Donna D 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Our experience with Michelle and her team was top level. We have always used banks in the past and this was our first experience with a mortgage broker. Michelle was confidently able to secure better terms then our longtime bank. We were impressed with her attention to details and more importantly,  being always available to us. Michelle definitely has a way of getting things done and seeing it all through to the end. Consistently clear, honest and upfront. We are confident to say we would use Cognitive Capital in the future. Thanks Michelle and team.
  
 
  
 
 
  
  
 
 
 Sharon Hung 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
If I could give 10 stars, I would… My partner and I reached out to Michelle when we were in a bind. We were working with another mortgage broker who had not secured us a mortgage and we were down to our last 12 hours of our conditional offer. We called Michelle and she dropped everything to prioritize us. She got us approved with an A lender within 5 hours… something our other mortgage broker could not do in 2 weeks.

Not only did Michelle get us approved in record time, she also secured us a fantastic rate. I have yet to see anybody beat the rate that we got!

What I truly appreciated was her ability to convey and breakdown information in a way that anyone can understand. Purchasing a home is a stressful process and Michelle did a fantastic job at making us feel confident in the decisions we made.

Needless to say, Michelle is a true professional and a master of her craft. I highly recommend her if you are looking to get a mortgage, especially if you are new to this.

Thank you again for your help, Michelle and team!
  
 
  
 
 
  
  
 
 
 Soraya Martins 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Michelle was insightful and friendly since our very first interaction. She is determined to ensure you get the best mortgage and provides ALL the information needed to make a decision.

Thank you so much for all Michelle's and her teams help!
  
 
  
 
 
  
  
 
 
 Carla de Castro 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Very helpful and made resourceful. It's good to have a team who can go beyond traditional mortgages to get you into the property you want.
  
 
  
 
 
  
  
 
 
 JerryandGeeta Thomas 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Lila Beijer is fantastic!  We were in the process of renewing our mortgage and decided to reach out to a mortgage broker to see if the rate we received from our bank was a competitive one. We heard about Lila's services from someone in our neighbourhood and contacted her. She was incredibly responsive at all times, provided us with some great advice, and was patient as she explained various options. She also helped us negotiate a much better rate than what we received from other banking institutions and helped advocate on our behalf. I also appreciated her reaching out to us after the renewal was completed to check on how things were going.
  
 
  
 
 
  
  
 
 
 Sandi De Camargo 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Lila recently handled 2 mortgage renewals for us and we couldn’t be more impressed. Not only did she source the best rate and terms out there her dedication to customer service was impeccable. Every question or concern we had was addressed promptly and with a calm, professional demeanor. Her knowledge in mortgages and personal finances is astounding. I highly recommend Lila in getting the job done right.
  
 
  
 
 
 
 
 
 
 Google rating score: 5.0 of 5, based on 214 reviews