"I now consider myself a lucky guy. Having gone through a difficult divorce and other life challenging events, I thought my days of home ownership were over. Even while being a senior public servant with a decent income the world can still be a cruel place when you are trying to re-establish yourself. Then along came Jeff Morris - to make a long story short, he made it easy to get into a good home with seemingly little effort on my part. His professionalism is at the forefront. What I found, often lacking these days, is that Jeff truly cares. I am convinced that he first and foremost, has his mortgage client's interest at heart -the lender and all else comes second."

"Would I recommend Jeff? You bet!  I can't remember doing a testimonial before - I am a GRINCH, but Jeff you deserve it my friend. Thanks so much!”

Rod MacArthur, Bedford , N.S.

"My husband and I live in Ireland and were interested in purchasing a home in my birthplace of Nova Scotia while we were there for our wedding. We had contacted numerous banks and mortgage brokers prior to our trip and no others would begin the pre-mortgage process before our arrival; as we had a limited (and busy) stay, that was not suitable. Jeff was eager and immediately moved the process along making it possible to place an offer on a home while we were in Halifax. As first time home-buyers, Jeff was a great help in facilitating the process by providing guidance and contacts in Nova Scotia- a huge help as long-distance buyers. We now own our first home in Dartmouth!"

Stephanie & John Cahill, Cork Ireland

"Jeff Morris was an invaluable part to our first home buying process. On our initial meeting with Jeff we realized that his experience and knowledge of the whole process, would benefit us in looking for the right mortgage. In what can seem to be a very detailed and complicated procedure, Jeff helped us in deciding what we would want from a mortgage, in addition to explaining thoroughly, but very clearly the different avenues we could have taken and opportunities on offer. We feel that Jeff really does work hard for his clients and their requirements, and in our case he did this and more. We found Jeff keen to ensure that we were happy with what we had decided upon, and offered his extensive knowledge and advice on particular issues and decisions that we had to make."

"Although Jeff is primarily there to assist you at the beginning of the house buying process, his contacts and experience within the industry as a whole helped us a great deal throughout. Jeff is an extremely friendly, personable character and an absolute pleasure to work with. We appreciate his efforts and hard work in kick starting the purchase of our new house."

"Thanks again for your excellent, professional support on our recent home purchase. With a second, more favorable offer on the table the sellers were motivated to exploit any wrong move we made. We had such short deadlines on this project that we couldn't afford to miss a date and we appreciate that your timely interventions made the difference – and in the end saved us an additional $1000 on the purchase. Your liaison with the other professionals in the mix made a tight, tricky financial project go like clockwork. We are delighted to be moving into our new home and hope you will join us there for a celebration soon. You can rest assured we will continue to provide references to your service."

"Jeff Morris played an invaluable part in our recent purchase of a condominium in Halifax, Nova Scotia. My husband and I are currently living in Paris, France and have family ties back in Halifax. Last January, I visited Halifax for a couple of weeks with the intent of purchasing our retirement home. My husband and I had already been in contact with Jeff Morris via the internet and therefore, he had already completed a large amount of the preliminary work required to procure a mortgage prior to my arrival in Halifax." 

"Purchasing a new home without the assistance of one's partner is a large responsibility and can be very stressful. Jeff and I spoke on a daily basis and, he also stayed in constant contact with my husband back in France to ensure that all the necessary paperwork had been handled in a timely and efficient manner. In large part due to Jeff's dedicated efforts, I was able to successfully complete the purchase of our new home with a minimum amount of stress." 

"Jeff also referred us to a wonderful lawyer who specialized in the purchase of condominiums. Her knowledge and outstanding effort helped us close the deal without any hitches (even though the legal documents had to be transferred between our home in Paris and her office in Halifax)." 

"Jeff's contribution to our home purchase was exceptional. His availability to assist us, no matter the circumstances or the time of day, put him in a class apart from the other mortgage brokers with whom we have dealt. We believe that he deserves our strongest recommendation for anyone seeking assistance in procuring a mortgage in the Halifax area."

"Well done and thank you very much, Jeff."

"We are first time homebuyers. When we first talked to Jeff, we told him that rates and feature are all important to us. Jeff was not playing games with us. He collected our information and came back to us a few days after we contacted him with the best possible rate. We then talked to some other brokers, and nobody couldn't match or beat Jeff's rate. On top of that, he managed to negotiate a lot of features that can help us paydown our mortgage faster. So it was a no brainer for us to go with Jeff. I found that being on a different city and timezone is not really an issue. Jeff was quite responsive with email and phone call. There were times when I got his email 8 PM PST, which is close to midnight Jeff's time. Being a first time homebuyer, we have no experience with preparing documents. Jeff patiently worked with us in preparing our documents. He was trying to stay on top of things. He was very responsive to our request of changing the amount of downpayment, even in the very last minute. In short, all I can say is that Jeff truly works in our best interest, not the lender's best interest. I would strongly consider going back to get Jeff's help again when the time comes to renew our mortgage."

"I moved to Nova Scotia from Ontario in April.  I was looking for a house, and thought I should get preapproved for a mortgage before I started  looking too seriously.  As a first time home buyer, I was quite green as to all the ins and outs of EVERYTHING related to the purchase of a house.  Thankfully I found Jeff. He was extremely helpful with all aspects of my first mortgage.  I work long hours and am not sure how most of my days will unfold.  Jeff was very flexible and was able to work with my crazy schedule.  He went above and beyond the regular call of duty to see that I got the best service, and that everything worked out.  I told him at the beginning that I would be a piece of work, and I was.  In the end, when it was time to purchase, I pulled a quick one and went for a fast close.  Jeff did more than I would expect and was able to achieve what I thought was impossible.  As a result, I got the house I wanted, when I wanted, at the price I wanted.  Thank you very much Jeff!  I look forward to dealing with you again. Sincerely,"

Derek Flaherty, Dartmouth, N

"Thank you Jeff for all your help with my first home purchase. It was quick and painless and the rate you came up with beat out my preappoval for a major bank by over 1%. You explained all the mortgage terms and options clearly and were available for answers for my question's any time I called.
The funny part is we never even met face to face and you had the keys for my new home within a few days. I would recomend your services to anybody for all their mortgage needs, thanks again Jeff."

J.P.Marsh Glace Bay, NS

"We moved from Yellowknife to Sackville in June 2007. Moving 7500km across the country is not an easy task.  With two kids, two dogs, pregnant wife, the stress levels were up there.  We knew that getting a good rate would be difficult with a new job and current market conditions.  Once we found a house we liked, we contacted Jeff.  We signed a few documents, and three weeks later we were moving in to our new home.  We got a great rate, great service, and the entire process was stress free, jeff took care of everything.  If you're in the market for a new home, give Jeff a call."

Andre & Heather Thibodeau, Sackville, NS

"I just want to say thanks to Jeff Morris for all the support during my home buying process. I just went through a separation and with Jeff's quick response time and prompt return of phone calls with all the right answers I needed I was able to put an offer on a home and seal the deal and with a quick closing was able to move in within three weeks. I would recommend Jeff Morris and his company to anyone. Thanks again Jeff and keep up the good work."

"I can't tell you how appreciative I am for all of your help with the recent purchase of my new home.  I was in a very difficult situation working through a separation with my husband, and your ability to maintain a professional, unbiased attitude so as to be able to work with both of us, was invaluable.  Had it not been for your diligence, ability to follow up on the details, and your experience, I likely would not have been able to buy the house that I am now very thankful to be living in.  Thanks again! Sincerely" 

"My wife and I with two young kids were in the middle of a separation and Jeff Morris helped us to work out our property issues. He gave us the best solution and more importantly helped to follow-up on the details so that my wife could purchase a new house and I could refinance my house and stay in it. The whole experience was a stressful situation that Jeff helped to make smooth and comfortable, he converted what could have ended up as a nasty separation battle into an amicable solution, he did more then help resolve a major financial issue he helped us to maintain a friendship, and he minimized the stressful impact on our children's lives. Thanks"

"Being separated for the past 3 years, with alot of other financial issues going on as well, I felt that being in a 'difficult credit situation' was an understatement. I really didn't know how to get what I needed for my family. After talking to Jeff about my situation, I felt a little glimmer of hope that I could refinance and get my ex husband's name off of the mortgage. When Jeff called and told me I was approved, I was pleasantly surprised, and partly in shock because I couldn't believe this was happening. It all happened so quickly and without any problems. In the end, I was able to do everything that I wanted, and even have some money in my pocket. As well, I accepted Jeff's excellent advice and I am now beginning to rebuild my credit. I want to thank you Jeff for all your hard work, professionalism and personal approach in this transaction. I will definitely be seeing you again at renewal time."

"Potential clients of Jeff Morris, I am extremely satisfied with the mortgage service offered by Jeff Morris. He demonstrated excellent communication skills by listening to my plan and by informing me of the bank’s requirements. Jeff took care of everything from arranging for an appraisal and by recommending a reasonably priced lawyer to finalize the re-mortgage. For me, the process with Jeff was trouble free. I appreciate his personalized and focused service which made me feel like his top priority. Only a few days after I first called a deal with a bank was made, then a few days later my file moved on to the lawyer, a very quick process indeed. Jeff has my highest recommendations."

"We have been renting for the past 14 years and always dreamt of buying a home. A friend recommended Jeff Morris and we are so happy that he did. Jeff went above and beyond for us; we can't thank him enough for all he has done.  If it wasn't for Jeff we would still be renting and dreaming of someday buying a home, Jeff made it all possible. We would highly recommend Jeff to anyone thinking of buying a home. Thank you so much Jeff for making our dreams comes true! We couldn't have done it without you!"

Kelly & Stephen, Truro , N.S

"Once my husband and I decided to separate I thought that it would be best to try and keep our family home for our three children's sake. When my bank of 10 years pre-approved me for only half the amount of money that I would need, I thought I would have to give up my dream of keeping my home, but through a co-worker of my ex we learned of Jeff, who had helped him out twice already!
When I first spoke with Jeff he told me that if anyone can get a mortgage for me-it would be him. I was extremely skeptical, understandably, but when we got going with the application I could see that he had me going in the right direction. Once it was all said and done I came out with a great rate, money in the bank and best of all, my family home. Thank you Jeff, I believe you helped my family in the best way possible!"

"There are a lot of unknowns being a first home buyer. Jeff did a great job guiding us through this process from start to finish. He answered all of our questions of which we had a lot! He also gave us a lot of helpful tips that went a long way in ensuring that we were content with our purchase in the end."

"When my wife and I decided to buy a larger home, a friend recommended Jeff Morris for our mortgage needs. His proficiency got us the lowest mortgage rate available and a pre-approval in no time. Because of our busy lives, Jeff was able to complete everything over the phone and by fax for us. His availability after business hours puts him in a class apart from the rest of them and we will definitely use his services again next time. Thanks Jeff."

"Thanks Jeff Morris for being able to do what the Banks here locally were unable to do for us with regards to getting us a refinanced mortgage. The first day we called you, you were on the case. If you told us you were going to call at a certain time, you always did. Even though we never met face to face , you worked harder for us than the Banks did. Thanks so much Jeff."

"I am a pleased and contented home-owner. Thanks to a pre-approved mortgage through Jeff I have a 5% interest rate for a 10 year term. No more worrying about rising mortgage rates that could cause me to lose my home. Thanks Jeff."

"My wife and I are so thankful to Jeff for making our first home purchase such an easy one. There are not enough positive adjectives to describe Jeff's effort and expertise. Jeff is the main reason we were able to buy the home we wanted - when we wanted. He revolved his time around our work schedule and was available at any hour of the day - making it that much easier to get the help when we needed. If there is anyone out there that is thinking about buying a home - the first thing on your list should be to call Jeff Morris."

"Earlier this year, when considering our move to Halifax, Nova Scotia we contacted Jeff after coming across his Internet site. I was immediately impressed with his friendly professionalism and willingness to accommodate us. When our plans changed and we decided to purchase in Victoria, Jeff changed gears quickly and worked closely with us to find a solution. Jeff secured us a new lender that allowed us to stretch our budget. We were able to fix into Victoria's higher priced housing market, while keeping below the traditional bank interest rate. From 6500 KM away, Jeff did a great job! Thanks!"

"Recently my wife and I were looking to refinance; we wanted to consolidate some debts and get a better rate on our mortgage, which still had over a year to run.  I was unhappy with my current lender's early "renewal" ("take it or leave it") and Jeff's name was the first search result when I started surfing the 'Net for help.  That turned out to be a lucky break. Jeff promptly responded to my weekend online inquiry first thing Monday morning, and it was smooth sailing from there on in.  Jeff quickly analyzed our immediate and future needs, providing excellent options from a variety of lenders, and finally putting together a package from a major bank that fit our needs perfectly. Although my wife was skeptical at first, she is now a convert, because thanks to Jeff, we ended up cutting our interest rate in half and maximizing our home's equity potential at a great rate. As a lawyer myself, I had thought that I knew what I was looking for, but Jeff gave us much more. We would both highly recommend Jeff to anyone shopping for a new mortgage."

"When purchasing our second home in Nova Scotia it was suggested by our son that we that a Mortgage Consultant would be assisting us. Dealing with Jeff Morris over the phone and by fax was very comfortable. We felt like we knew Jeff after talking with him and would be happy to offer our recommendation for his services."

"Being first time home buyers, Jeff helped us alot, we didn't know anything about buying a house and he explained everything and made us comfortable with the whole home buying process. He is a very patient man and we are very grateful to him for helping us get the home we always wanted. Thank you Jeff." 

"On the referral from an executive director with a North American wide business support organization I contacted Jeff for assistance with my mortgage. As a first-time home buyer with a credit past, I anticipated that there maybe some challenges in securing a lender. However, I was pleasantly surprised when Jeff struck two home runs - with both a traditional lender and the best rate on the market. I can certainly endorse Jeff’s services, especially when I consider that we have yet to meet face to face."

"Jeff provided professional customer service and a financial analysis of our mortgage needs. He recommended a new product to us - a variable rate mortgage with maximum flexibility which has put us in the driver's seat to pay off our mortgage within a 3 - 5 year time frame. Thanks for the expert advice!"

"Over the past four months I have been struggling thru a separation and trying everything to keep my house. The experience has been worse than losing both my parents. With Jeff's help and compassion I now can keep my house, gain some sanity back, and begin again. Thanks Jeff for everything."

"Jeff has been a great person to deal with. He presents a number of mortgage options and provides great insight into the benefits and drawbacks of each, allowing you to make an informed decision.  As a result of the exceptional customer service received, several family members have also used Jeff's services within the last year. I would not hesitate to recommend Jeff Morris and The Mortgage Guide." 

“When my son told me to contact to Jeff about our mortgage - that we just renewed last month, I was just a little uncertain if it would be worth the effort. While to our pleasant SURPRISE Jeff was able to reduce our monthly payments by $400 per month, a savings of over $14,000 over the next three years. Jeff you certainly have our recommendation and you can expect to hear from other family members real soon. Thanks again."

"As first-time home buyers, Jeff helped us understand all the aspects of a mortgage. As a former member of the military, he was able to identify and appreciate many of the issues we have as members of the Canadian Forces. Jeff was always available to answer our questions and was quick to find the best solution. He is a great person to work with and I am proud to say that I have recommended him to my friends. Thanks a lot Jeff." 

“Refinancing our home in Bedford and securing the needed cash back to complete renovation was high priority this past summer. We found ourselves uncertain regarding our options when we were referred to Jeff’s business. We were very impressed when Jeff's predicted current value of our home was within $1000.00 of the actual detailed assessment. It was obvious he knew the value of the area, surrounding properties and what the market was actively doing.   Putting the needs of his clients first, Jeff elected to keep us with our current lender when their offer was unsurpassed, despite the fact that his commission would be less. Jeff was extremely careful to maintain the privacy of all his customers while working on his computer, a fact we very much appreciated. Jeff's knowledge of the market, understanding of his clients' needs and ability to turn mortgage lingo into everyday terms makes him the type of Mortgage Broker we feel very confident in recommending." 

"I had the pleasant experience of dealing with Jeff Morris in regards to purchasing a home in Nova Scotia while having a permanent residence in Ontario. The process was complicated and at times frustrating. Thankfully, with the professional guidance and patience of Jeff we were able to get through the various levels of red tape and I was thankful for his counsel and attention to detail.

"Sheri and I would like to thank you very much for finding us our mortgage for our new home in Wallace. I know there was a lot of e-mailing and faxing back in forth, because we were still living in our home in Minnesota, USA. You did a great job! We hope that your business really flourishes. Thank You Again!"

"We were very pleased with the courteous and efficient way which Jeff dealt with us while securing our mortgage. Jeff handled all the details and interfaced with the lenders on our behalf to secure us an incredible interest rate. We would highly recommend his professional services as a mortgage broker to anyone we know."

"As a first-time single home buyer, the purchasing of a home is a huge step in life that can have a lot of hic-ups along the way, fortunately I had Jeff to guide me through all the ups and downs involved with a mortgage. He took me under his wing and instilled confidence in my purchasing decisions. in all honesty if it wasn't for Jeff I would still be spending money on rent instead of investing in a home. I will never buy a home without the help of a mortgage specialist, its their job, they are the experts working for you and not against you. Thanks for everything Jeff." 

"The convenience of having personalized service outside of business hours was an excellent advantage for my busy schedule. The best part - was Jeff was able to secure a much better rate on my behalf as opposed to me dealing directly with my current bank."

"Jeff not only assisted me in getting our mortgage, he answered all my questions in a manner that I could understand. He made the whole process seamless so that I could concentrate on more important things, like my family. Being a first time home buyer, Jeff offered an expertise that you will not find from any lender alone and offered me advice when I needed it. And above all this, he saved me over $300.00 per month from my first offer from a lender.  If you are considering buying a home, give yourself an advantage and contact Jeff. Thanks for everything Jeff."

"Despite our remote e-mail and phone connection, Jeff was able to provide us with excellent service.  Our request for the transfer and refinancing of two rental properties in Halifax were handled very professionally and efficiently. Jeff provided us with a better rate than the bank with whom we have dealt for more than twenty years. The cash back was a great bonus and was used to negate the refinancing penalties. Above all, Jeff helped us leverage both of our assets when the markets offered both a significant return on our investment and an attractive interest rate. Thank you for the pleasure of doing business with you."

"We found Jeff's website when looking for mortgage brokers in Halifax. His website was the first to appear in our internet search.  We saw Jeff briefly prior to our house hunting trip. He insisted that we applied for a pre-approval. This turned out to be substantially beneficial to us as we got the best rate before the market's rate increases.  Jeff's hunch regarding the market's trend is truly remarkable. Furthermore, when we were bidding for our new home, Jeff secured the financial approval in less than 48 hours. It is really our good fortune to have met Jeff. We are indebted to Jeff for his patience, knowledge and experience. We recommend Jeff for anyone looking for a new home." 

"On the referral of a business colleague we contacted Jeff to help us refinance our Dartmouth triplex. We had already asked two (2) other mortgage brokers for assistance, with no success before we met Jeff.  Jeff went “way beyond” our expectations to make this work.  His persistence paid off when we were able to complete the deal and accomplish the renovations we had originally planned.  The logistics of speaking to one source vs. chasing the lender’s declines proved invaluable for our situation."

"From Northern Quebec I was introduced to Jeff by way of the Internet. Prior to my house hunting trip he had arranged a lender and started to gather the necessary information to secure my mortgage. When we found the ideal house, we had to make some last minute changes to accommodate the purchase. Jeff certainly helped take the stress out of my first move in twelve years, which was accentuated by my very remote location. He has enhanced my future by offering that extra mile when it was needed, and made it all appear seamless -- amazing!" 

"Without the help of Jeff I would have only known about the big bank lending institutions. He helped me to get the best interest rate possible through a financial institution that I would have never known existed. Plus the services went beyond what the big banks can do." 

"Jeff was a great help to us as first-time home buyers. He understood our needs and was always quick to respond to our many questions. He was also integral in helping us secure the needed recognition for self employed income. Not only was the service second to none, but Jeff was able to secure a lower mortgage rate than our local bank could offer!"

"With the lending choices available today it is great to be able to turn to one resource and be offered the flexibility and guidance in selecting the best mix of mortgage rate and benefits. Jeff provided a turnkey solution that saved us both time and money. His professional delivery and attention to detail delivered results."

"Jeff greatly assisted me getting a mortgage. As a first time buyer he made me aware of the zero down program and was able to get me a very competitive interest rate. His knowledge and continued personal service was always present and got me into the house that I wanted. Thanks Jeff!!!!"

"You did a great job putting together a package for refinancing our home in 2004. You kept us up to date as the deal progressed, everything happened on time and you demonstrated your knowledge of the mortgage industry. We will definitely recommend your company to our friends. Thanks again,"

"I recently went through a legal separation, and was very anxious to make a new start with my children. I found a very special home for us, and I approached my bank for a mortgage. Due to a compromised credit rating, my bank manager referred me to Jeff. Jeff worked extremely hard on my behalf, and I would highly recommend Jeff to anyone who is facing mortgage challenges. He went above and beyond in his attempt to make my dream come true, and I am very grateful to him."

"On the suggestion of my Real Estate Agent, Ruth Daniels Century 21, I contacted Jeff to help me secure financing for my first home purchase. Jeff quickly obtained a pre-approval that proved advantageous when my deal was complete.  I would like to recommend the services of Jeff Morris, The Mortgage Guide." 

"I'd like to thank Jeff for all his help. As first time home buyers we set out to find a broker who would work for us, the first couple of calls we made were unsuccessful; people didn't have the time for us. We were told our credit history wouldn't allow us to get a mortgage. We had almost given up, when a client of mine recommended Jeff. It's such a great feeling to know someone is working for you. Not only did he get us a mortgage, but he gave us great financial advice. Thanks again."

Atlantic Mortgage Solutions