Last Updated: December 18, 2025
Website: www.647mortgage.com
Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the www.647mortgage.com website (the "Service") operated by the Mortgage Agent Viktoriia Lazareva affiliated with brokerage Choice Financial Corp. ("us", "we", or "our").
Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service. By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Service.
This website is operated by a licensed Mortgage Agent operating under Choice Financial Corp. By engaging our services, you acknowledge that we act as an intermediary between you (the borrower) and various lenders to secure mortgage financing. We owe you a duty of care to act in your best interests, provide suitable mortgage options, and disclose all material risks and costs associated with the mortgage products we recommend.
We provide mortgage brokerage services tailored to your financial needs. Our services include, but are not limited to:
Residential Mortgages: First-time home purchases, renewals, and refinancing.
Commercial Mortgages: Financing for commercial properties, multi-unit residential buildings, and industrial properties.
Reverse Mortgages: Equity release solutions for qualifying homeowners.
Alternative Lending: Solutions for self-employed individuals or those with credit challenges.
By using our Service, you agree to:
Provide accurate, current, and complete information during the application process.
Maintain the security of your personal information and notify us immediately of any unauthorized use.
Use the Service only for lawful purposes and in accordance with these Terms.
Refrain from using the Service to engage in any fraudulent activity or misrepresentation.
Submitting an inquiry or application through our website does not guarantee mortgage approval. All applications are subject to qualification, underwriting review, and approval by the respective lenders. We reserve the right to decline representation or cease processing an application if the information provided is found to be false, misleading, or incomplete.
By submitting a mortgage application or inquiry that involves a pre-qualification request, you explicitly consent to allowing us and our partner lenders to:
Obtain your credit report from credit reporting agencies (e.g., Equifax, TransUnion).
Verify your income, employment history, and financial assets.
Share this information with potential lenders solely for the purpose of securing mortgage financing.
You understand that a credit check may impact your credit score.
By providing your phone number to 647mortgage.com, you are enrolling in our SMS/Text Messaging service. You acknowledge and agree to the following terms regarding communication:
By submitting your phone number via our web forms, you grant us express written consent to contact you via phone calls and SMS/text messages for both transactional and promotional purposes. This includes, but is not limited to, application status updates, appointment reminders, mortgage rate alerts, and marketing offers.
Message frequency varies based on your interaction with us. Transactional messages (e.g., application updates) will be sent as needed. Promotional messages (e.g., rate updates) are generally sent no more than 4 times per month.
We do not charge a fee for our SMS service; however, Message and Data Rates May Apply depending on your mobile carrier and plan.
You may cancel the SMS service at any time. To opt-out, simply text "STOP" to the short code or number from which you received the message. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time, and we will start sending SMS messages to you again.
If you are experiencing issues with the messaging program, you can reply with the keyword "HELP" for more assistance, or you can get help directly at our contact information provided below.
Carriers are not liable for delayed or undelivered messages.
We respect your privacy. Mobile information will not be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
We have access to a wide range of lenders, including major banks, credit unions, trust companies, and private lenders. While we strive to find the best product for you, we are an independent brokerage and do not represent any single lender exclusively. Our recommendations are based on your specific financial situation and needs.
In most standard residential mortgage transactions, the lender pays us a commission or "finder's fee" for originating the mortgage. This fee is typically a percentage of the mortgage amount and does not cost you anything directly.
However, in certain situations (e.g., commercial mortgages, private lending, or complex credit scenarios), a brokerage fee may be charged directly to you. If a brokerage fee applies:
It will be fully disclosed to you in writing prior to your commitment.
It will be outlined in the Borrower Disclosure document as required by Ontario regulations.
The information provided on this website is for general informational purposes only and does not constitute financial, legal, or tax advice. While we strive to keep the content accurate and up-to-date, mortgage rates, lending policies, and government regulations change frequently. We do not warrant the completeness or accuracy of the information on the site.
To the maximum extent permitted by applicable law, in no event shall 647mortgage.com, Choice Financial Corp., its affiliates, agents, directors, or employees be liable for any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or relating to the use of, or inability to use, this Service.
The Service and its original content, features, and functionality are and will remain the exclusive property of 647mortgage.com and its licensors. The Service is protected by copyright, trademark, and other laws of Canada and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of 647mortgage.com.
If you have any concern or dispute about the Service, you agree to first try to resolve the dispute informally by contacting us. If a dispute cannot be resolved informally, any legal action or proceeding relating to your access to, or use of, the Service or these Terms shall be instituted in a provincial or federal court in Ontario, Canada.
These Terms shall be governed and construed in accordance with the laws of Ontario, Canada, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
We may terminate or suspend your access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will immediately cease.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.
Your use of the Service is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.
If you have any questions about these Terms, please contact us: [email protected]
Viktoriia Lazareva Mortgage Agent with Choice Financial Corp.
Email: [email protected]
Address: 15 Gervais Dr. Toronto, Ontario, Canada