Principal Broker / Owner
At Greenleaf Financial Services, we are committed to helping individuals and families achieve financial stability and long-term security. Led by Prem Sawna, AMP, P.Eng., our firm specializes in tailored mortgage and insurance solutions designed to meet your unique needs.
Whether you are purchasing your dream home, renewing your mortgage, refinancing, or planning for your family’s financial protection, we provide expert guidance every step of the way. Our mission is simple — to offer smart financing solutions that build secure futures with honesty, transparency, and professionalism.
At Greenleaf Financial Services, we provide expert mortgage solutions tailored to your financial needs. By working with a wide network of lenders, we help you secure competitive rates and flexible terms for home purchases, renewals, refinancing, and more. Our goal is to make the mortgage process simple, transparent, and stress-free while guiding you toward long-term financial stability.
Your credit score is important because a higher score can help you qualify for lower mortgage rates. It shows lenders you're good at managing your money.
Putting more money down can lower your mortgage rate because it reduces the risk for the lender and shows you're serious about your home purchase.
Our access to a wide network of lenders enables us to assist you in finding the most competitive mortgage rates available, ensuring you get the best deal on your mortgage application.
A fixed-rate mortgage keeps the same interest rate throughout the loan, making it stable. An variable rate mortgage might start lower but can change, going higher or lower over time.
Lenders prefer lending to someone with a stable job because it shows you're likely to continue having income to make payments. This can also help you get a better rate.
Rate lock allows you to secure a favorable interest rate. Since mortgage rates fluctuate frequently, locking in a rate ensures that it won't increase by the time your mortgage application is finalized, providing stability and predictability.
This stage involves identifying the needs and requirements of the client.
This stage involves identifying the needs and requirements of the client.
This stage involves identifying the needs and requirements of the client.
This stage involves identifying the needs and requirements of the client.
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