Who Are We?
Jacob (Ya’akov) and Rinat at Sneg Mortgage Team are not only partners in their mortgage firm but also a married couple and proud parents to three daughters.
Our high on-line ranking is not only thanks to our accumulated 30+ years of experience, but more thanks to a community of amazing clients that see us as their team in creating and increasing their wealth through smart and creative real estate purchases.
- A complete financial solution to families and investors
- Access to 40+ lenders and banks, which will ensure that we get you to where you want to be
- “Canada-wide services with raving clients in Ontario and Calgary among other provinces
- Proactive use of the mortgage as a tool to achieve family goals far beyond purchasing a home
- Constant analysis of the market to understand where and when to buy
- Client support for you after you purchase to advise with future planning and managing your tenants
Our role doesn’t end after we find you the best mortgage. You’ll find we ask many questions, ones which may not seem directly related to finding a mortgage: We do this so we can save you the most money over the life of your mortgage, not just the in next five years.
A good rate today is important, but you shouldn’t stop there. It’s about understanding and working the fine print in contracts and creating flexibility to control how much we can save for you.
Our Vision, Your Success
Mortgages Tailored For You
Home Purchase Process
In the last 2 years the rate we paid on our mortgage on our house was as much as double then what was available in the market. In order to change the situation and save our money we met with few experts, unfortunately none of them came up with the right solution for us.
A close friend referred us to Rinat. Although all conversation has been done from far, we did not feel that the distance caused any limitation. From the start we felt that someone , and this comes from a lady we got to recognize only by a photo attached to the signature of her e-mail.
The process was complex, many details were involved, but Rinat remembered every one of them as if it was her own mortgage file. On top of it the process was handled in a most punctuate fashion overcoming a time difference between the provinces.
We knew that Jacob was there with us along the way backing up the whole process, although we got to talk to him only on the last conference call that took 2 hours.
Thank you for a most professional and personal service, Irena and Shalva, Toronto
Irena and Shalva
We had a couple of recommendations for mortgage brokers from friends, colleagues, and our realtor but after reviewing them we decided to go with Jacob and Rinat. Now we know that we couldn’t have made a better choice.
The first meeting with Jacob and Rinat was at their office in Richmond where they listened to us attentively and understood what we want. Then they provided us with various options that are suitable to our situation and needs.
All our communication with Jacob and Rinat afterwards was either via phone or email which is very convenient specially for busy people like ourselves. Both Jacob and Rinat were always contactable, responded almost immediately to all our enquiries, and provided valuable advice and guidance navigating the mine field that is mortgage loans! They also gave us advice and tips how to deal with our debts and other matters even though they were not related to the mortgage or house purchase.
When Jacob and Rinat sensed that the interest rates will go up, they immediately contacted us and in a very short time succeeded to secure the lowest fixed rate possible for 5 years! My bank was not able to match neither the rate nor the terms and conditions. The lowest my bank could offer us was 0.5% higher than what Jacob and Rinat secured, and the prepayment privileges were less friendly.
Our experience with Jacob and Rinat is very positive. They are very professional and very prompt in answering all questions. They respond very quickly to email and always answer the phone, even after hours. They explain everything thoroughly and clearly and provide valuable advice, guidance and tips. Several of our colleagues and friends have already used Jacob and Rinat’s services, and we have since recommended them to many more. We would definitely use Jacob and Rinat’s services again.
* Barb used a realtor of our team, that we referred her to.
Hi Rinat, I just wanted to take a moment on behalf of Michael and myself to thank you so very much for the time and effort you put into our meeting on Wednesday night. It is very evident that both you and Jacob embrace your work with passion….and we feel extremely fortunate to have you guys in our life. Our circumstances are beginning to take a monumental turn for the better, and there is no doubt that the Sneg’s played a huge part in that. If we don’t see you before Christmas, I wish you and your family a magical holiday season. Barb Sleath
Tanya Driving School
In one meeting with them they had it all planned out for me. They helped me structure my financial and occupational future so I’ll be able to achieve my goals in few months .I was willing to buy immediately, but they advised me to wait.
I loved the fact they would not rush me to close a deal and kept my interests in heart. They guided me to take the time and follow the plan they detailed, this way I’ll have an access to the best deal and most attractive mortgage packages.
When time was right, we put an offer and got it immediately accepted. Then started a race to remove subjects. Jacob and Rinat insisted on removing all conditions, by subject removal date (in few business days) so we’ll get a solid bank commitment for a mortgage.
The way they handled the process was beyond our expectations. They were available to us even at midnight; they did anything to secure the deal and improve the mortgage terms while working to satisfying all conditions. The most amazing thing was that that we ended up with a better mortgage deal then they initially promised.
I recall one of my conversation with Rinat. It was 10:00pm. She called and told me she thought a lot about our last discussion and would like to take a different route. She gave me an alternative plan to follow. I was amazed to see how she is invested in me. In 5 years from now, when time comes for renewal, There won’t be anyone else for me but Rinat and Jacob .They don’t work nine to five. They are fully committed to their clients. They really care.
Ilana and Roman Binenbaum
I thank you greatly for introducing me to my realtor Raphael Arazi. I had barely met him that he found the place I would eventually buy. He helped me tremendously in the negotiations to buy a wonderful apartment by Granville Island – and I can’t wait to have you visit me here. He’s a great guy and I consider him as new friend. Thanks again,
“It has been an absolute pleasure working with Jacob and Rinat of Verico Covengo. Right from day one, we have felt a sense of trust with working with the pair. Like many people, the entire process of mortgages and refinancing can be a very stressful, we have always felt well supported by Jacob and Rinat to walk us through different scenarios with our best interest in mind. They are extremely knowledgeable and professional, every detail is always handled flawlessly. They do not see their job complete with handling just the necessities and always goes above and beyond keeping us abreast of latest trends and rates that are at present. They have proven to be well connected with many other related professionals which we have also found to be trusted, knowledgeable and trusting in the service they provide, we always take his recommendations to heart. Jacob and his team have been instrumental part of making some of family dreams come true!”! You guys have been amazing, thank you!