Meet the Experts Behind Cognitive Capital

At Cognitive Capital, we don’t just process mortgages—we build strategic financing solutions that set you up for success. Our team, led by one of Canada’s top-ranked mortgage brokers, brings unmatched expertise, lender access, and
problem-solving skills to every mortgage deal.

Michelle Farrugia

founder & mortgage broker

One of Canada’s Top 50 Mortgage Brokers | $1B+ in Funded Mortgages
Michelle launched Cognitive Capital with a commitment to transparency and strategy. Well-respected across the industry for her direct approach and problem-solving expertise, she secures approvals and premium financing solutions that others simply can’t. With exclusive lender access and deep industry connections, Michelle delivers unmatched speed, better rates, and smarter mortgage strategies.

Tasha Macdonald

Senior Underwriter

Tasha is the backbone of Cognitive Capital’s mortgage strategy. Having worked at some of the top brokerages in Canada, she brings deep expertise in structuring deals that secure the best rates and most strategic financing solutions. As head of underwriting, she works tirelessly behind the scenes—negotiating with lenders, overcoming roadblocks, and ensuring every client gets the strongest mortgage approval possible.

Marley Burgess

underwriter

As Cognitive Capital’s first and longest-standing employee, Marley has mastered every stage of the mortgage process—from administration to closing, and now underwriting. With a deep understanding of how every piece fits together, she brings a unique perspective to structuring mortgage solutions. Her experience across all levels of the business allows her to anticipate challenges, streamline approvals, and secure the best financing for clients.

Jacob Meyer Snitman

Mortgage Agent Level 2

Jacob is one of the fastest-growing agents at Cognitive Capital, specializing in subprime lending and private mortgage solutions. With deep understanding of debt consolidation and credit improvement, he helps clients restructure finances to increase cash flow and secure long-term financial stability. Navigating tricky approvals or finding creative lending solutions, Jacob ensures clients have a clear path forward.