Kevin made this experience so easy and was incredibly helpful the whole way through. I couldn’t be happier with the service and how much help Kevin was at any point during the process.

Emily Nauss

We’ve used Kevin’s services personally and we’ve referred our real estate clients to him. Kevin combines deep financial insight and experience with genuine concern for his client’s well-being. We always have full confidence that Kevin will do all he can for us and those we refer to him.

Doug Gough


We were thrilled with Kevin’s work and service on our recent mortgage renewal. At the beginning of the process, he didn’t just gather our information: he also took the time to educate us and make sure we understood the ins and outs of our mortgage options. Kevin demonstrated this thorough care throughout the process, giving us confidence and peace of mind with the end results. We will definitely be giving Kevin’s name to family and friends!

Jason Ewert

He w”ent to the mattresse”s for us. My wife and I had just received our first child and needed a place of our own. We didn’t think we’d get approved for a mortgage due to our circumstances but Kevin did everything in his power to help us out. The great lengths to which he went is the reason we have a house. And we couldn’t be happier.
I highly recommend him to anyone who is looking for their first mortgage, or even their tenth.

Anthony Kuchma

This was our first time buying a home and Kevin never hesitated to make himself available to answer questions and ensure we understood our options. He was helpful and caring throughout the process!

Justin Dyck

Kevin has been great to work with as I bought my first place! I met him at a First Time Home Buyers seminar that he and a few others put on, and I really appreciated his very practical approach to work hard and only start with what you could afford. We started chatting nearly six months before I was ready to purchase and he was able to give me a rough idea of what I could afford to buy. He was always quick to reply to my questions and met up at a coffee shop when that was more convenient. Kevin helped get all the details lined up in advance so when I was ready to buy I could jump right in. If you’re looking for a helpful and honest mortgage broker to be on your team, Kevin is your guy!
Rachel Goshulak

Kevin Bay has exceeded my expectations as my Mortgage Broker. His level of education and information during the process has been excellent. And his follow-up communication makes me feel like a VIP. I have referred many others to Kevin as well and they have come back to me with appreciation for sending them to him. So I will keep sending more people his way and look forward to my next renewal.

Calvin Warneke

As a Realtor it’s very important for me to have mortgage brokers I can confidently advise my clients consider for their lending needs, Kevin is such a broker. He’s diligent, honest, and always acts with integrity. He’s able to work under the pressure our current market creates, with subject removal often only being 3 days. Having worked with Kevin multiple times, I’m very happy to give him a five-star review.

David Smith Homes

I have nothing but great things to say about Kevin. We were first time home buyers with a ton of questions and he was incredibly patient, informative and helpful throughout the entire process. He scored us a great montage rate despite some confusing circumstances on our part! He was also great to communicate with – always answering my texts within minutes despite the time of the day. Would definitely recommend Kevin to anyone buying a home 🙂

Deborah Lobo

Our unique financial circumstances made getting our mortgage approval quite an adventure. Thankfully we had Kevin! His persistence, effort and creativity were put to the test and somehow above all that mayhem his calmness kept us feeling confident that if there was a solution, he would find it, and that he did. Thanks so much Kevin!

Paolo Lobo