Referral consultation for your clients
A safer way to refer your clients for mortgage financing.
For 20 years I sat on the lender side of the table as a mortgage underwriter, quietly approving (and declining) applications from banks, A lenders, B lenders, and private lenders. Today, I bring that decision‑maker experience directly to the clients you refer — so their financing is structured right the first time.
If you’re a real estate professional, financial advisor, accountant, or lawyer, I’d be happy to be your behind‑the‑scenes mortgage partner - starting with a no‑obligation consultation for your next client referral.
Or email directly: olga@osmortgages.ca
Meet Olga Shvetsov
Mortgage Agent · Former Senior Underwriter
“I don’t just submit applications — I structure them the way underwriters think, to protect your client’s approval and your relationship.”
Turnaround you can trust: initial review and feedback for your referral usually within 1 business day.
Client experience: clear expectations, proactive updates, and transparent options for your client.
Why top professionals refer to Olga
Underwriter-level thinking, client-first care.
Your reputation is on the line with every referral. My role is to protect that trust by combining deep lender insight with a calm, organized client experience.
20 years inside lender credit rooms
I’ve underwritten files for banks, A lenders, B lenders, and private lenders across a wide range of income, credit, and property situations. I know exactly what helps a deal move forward — and what triggers delays or declines.
Thoughtful structuring, not just submissions
Your client’s story is translated into the language underwriters use: clear risk assessment, policy alignment, and full documentation. That means fewer surprises and a smoother path to approval for the people you send my way.
Your client, your relationship, respected
I communicate clearly, set expectations early, and keep both you and your client informed. My goal is to make you look good for sending them — and to be the mortgage partner you feel confident introducing again and again.
Simple, professional handoff
How the referral consultation works.
Every referral starts with a focused consultation designed to protect your client’s goals and timelines. You can be as involved as you’d like — I’m comfortable collaborating closely or handling everything directly with your client.
1. Send a quick, secure referral
Share your client’s name, contact details, timing, and a short note about their situation using the form below or by email.
2. I connect, review, and pre‑assess
I book a consultation with your client, gather key details, and review their file with an underwriter’s eye — including lender fit, policy considerations, and documentation needs.
3. Clear recommendation + updates to you
Your client receives a clear plan and options; you get high‑level updates so you always know where things stand without chasing for information.
About Olga
From underwriting in the background to advising at the forefront.
For the past 20 years, I worked behind the scenes as a mortgage underwriter, partnering with banks, A lenders, B lenders, and private lenders to review and approve mortgage applications across many lending scenarios.
During this time, I gained a deep understanding of how lenders assess risk, interpret policy, and make final decisions. I’ve seen firsthand what helps a deal move forward — and what can cause unnecessary delays or declines.
Today, I bring that experience directly to my clients as a mortgage agent. I don’t simply submit applications — I help structure them thoughtfully, communicate clearly, and guide clients through the process with confidence and ease.
What this means for you as a referral partner:
- Files that are packaged and positioned the way lenders prefer to see them.
- Early identification of potential issues — before your client is emotionally invested in a single outcome.
- Balanced advice: not just “can this be approved?” but “is this the right structure for the client’s situation?”
I’d be honoured to support the people you serve and to be a quiet, reliable part of your client experience.
Start with a conversation
Refer a client for a no‑obligation mortgage consultation.
Share a few details below and I’ll follow up with your client within 1 business day to schedule a consultation. I’ll also confirm with you once we’ve connected.
Privacy note: All information shared is kept strictly confidential and used only for the purpose of assessing mortgage options for your client.
Referral consultation form
Please include your contact details so I can acknowledge the referral and keep you updated at a high level.
Prefer email? Send your referral to [email protected] with “Professional Referral” in the subject line.
© 2026 Olga Shvetsov · Mortgage Agent. All rights reserved.
Not intended to solicit buyers or sellers currently under contract with another brokerage. This is not a commitment to lend; all approvals are subject to lender guidelines and underwriting.