About CMI

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Founded in 2004, Canadian Mortgages Inc. (CMI), part of the CMI Group of Companies, has a long-standing reputation as a leader in the direct private lending and mortgage market.

The Cmi Difference

Highly respected in the industry for our transparency and professionalism, we’ve earned the trust of our customers by ensuring they are treated with the utmost care and respect.

At CMI, integrity and a focus on excellence is at the very core of everything we do – it’s what sets us apart from many of our competitors. We are a results-driven organization dedicated to forging a leadership role in the evolving mortgage industry for the benefit of both brokers and borrowers.

Our commitment to innovation, coupled with a willingness to invest in new tools and technology ensures we will continue to be at the forefront of our ever-changing industry.

Our paperless, fully digital online mortgage application and approval system provides a seamless, streamlined and expedited process for your mortgage applications. This also delivers enhanced reporting via real-time updates, which are available throughout the approval process.

We truly value the relationships we’ve fostered with our partners. We are committed to providing tailored products and dedicated service that will enhance your ability to service your borrowers.

For high volume brokers, we’re now offering an exclusive program with preferred pricing and service enhancements.
Contact us today to learn more about this great program.

A Team of Lending and Mortgage Experts

With a strong understanding of the direct private lending and mortgage markets, CMI’s team of experienced and knowledgeable mortgage underwriters are able to structure deals to meet the specific needs of your clients.

As we know, no two borrowers are alike. Our team excels at structuring mortgage solutions for borrowers who don’t fall into the conventional guidelines that many of the banks and insurance companies must follow.

We look beyond credit scores and traditional sources of income to deliver customized financing solutions that not only make sense but also add value for you and your clients.

Our Underwriting Team

We’re not afraid to say it – our underwriters are some of the most talented and highly capable in the industry! Comprised of top performers in the business, our team was developed to ensure you receive the best possible service when partnering with us.

Daniel Joseph
As the Director of Underwriting and Broker Relations, Daniel puts CMI’s broker partners first. With 20+ years of mortgage underwriting and origination experience, he is devoted to facilitating financing solutions tailored towards the needs of brokers and their clients. Daniel is a strong leader, employing his analytical and interpersonal skills to facilitate quality mortgage transactions.
Franca Tosti

With over 30 years of experience in the mortgage industry, Franca has consistently exceeded expectations and she is determined to never stop growing and improving. Her dedications and determination allow her to find a solution to even the most challenging transactions. Nominated for the CMA 2018 Lender Underwriter of the Year, Franca continues to be a top performer.

Josie Milanetti

A 2011, 2014 and 2020 CMA Lender Underwriter of the Year nominee, Josie bring 20+ years of private mortgage underwriting experience to CMI. Her deep understanding of the industry, quantitative skills and finance background make her an outstanding private lending specialist. Josie’s dedication to transparency and excellence, coupled with her determination and ingenuity have allowed her to stand out.

Jim Folias

With over 20 years of experience within the mortgage industry, and over a decade in dedicated mortgage underwriting, Jim is an exceptional underwriter. His superior analytical skills and devotion are an asset to the CMI team. Jim is committed to providing quality mortgage investments to CMI and exceptional service to CMI’s broker partners.

John Walsh

With 14+ years mortgage experience and a background in database design, John uses his strong analytical skills in all the transactions he underwrites. He is committed to generating high quality products and providing exceptional service. John’s dedication to his clients and his consistent and reliable results make him an incredible underwriter.

Travis Allinott

For the past 25 years Travis has been delivering personalized financial services to his customers. As a second-generation banker, finance is in his blood, and customer satisfaction is his number one concern. Travis is transparent and always provides practical solutions to ensure financial transactions are smooth and easy. Many top brokers count on him to serve their most valued clients.

Carlos Kabongo

Carlos is a charismatic business development manager with over 15 years of experience within the financial services realm. He is bilingual and has a strong track record of success in sales and in developing and maintaining strong relationship with brokers at all levels. Passionate about getting to know his clients and committed to understanding their needs, Carlos finds joy in helping others achieve financial peace of mind.

Jeff Bauer

With almost 15 years of experience within the mortgage industry, and working with Canadian chartered banks, Jeff has truly found his passion. He has helped develop credit products, managed national credit teams, and built valuable relationships within the industry. He is enthusiastic about assisting clients in finding the perfect mortgage solution.

Jason Keller

Jason has been working in the financial industry for over 15 years. He started his career in banking and quickly moved on to the role of Mortgage Agent. After excelling in that field, he changed paths to gain experience as a lender. Jason has worked as a Mortgage Originator, Mobile Mortgage Specialist, and Business Development Manager.

To Learn More, You can visit our CMI MIC Site.