Sona Kamrava

Sona Kamrava is a trusted Iranian mortgage broker based in Toronto, Canada, dedicated to helping clients achieve not only homeownership, but long-term financial confidence. With a client-first philosophy and a holistic approach to lending, Sona believes that a mortgage is more than just a loanit is a critical component of a broader financial strategy.

With over eight years of experience in the mortgage industry, including six years at CIBC, Sona has successfully guided hundreds of clients through the complexities of purchasing and financing homes. Her background with one of Canadas leading financial institutions has equipped her with deep insight into underwriting standards, lender expectations, and strategic loan structuring.

Sonas professional journey combines hands-on mortgage expertise with a strong foundation in financial planning. She understands that every clients situation is unique and takes the time to design personalized strategies that align with both immediate housing goals and long-term lifestyle objectives.

Throughout her career, Sona has worked closely with:

• First-time homebuyers navigating the market with confidence
• Move-up and downsizing buyers planning life transitions
• Homeowners refinancing to optimize cash flow and equity
• Clients seeking clarity beyond rates and terms

Her experience allows her to simplify complex financial decisions and provide clear guidance at every stage of the mortgage process.

Sona approaches every transaction with the belief that buying a home is about more than interest rates and product selection. It is about creating a thoughtful, well-structured plan that supports both present needs and future goals.

She works collaboratively with her clients to:

• Understand their complete financial picture
• Evaluate affordability with clarity and confidence
• Align mortgage options with lifestyle and career plans
• Build sustainable, long-term financial strategies

Her clients value her ability to connect the dots between financing decisions today and financial freedom tomorrow.

Sona is known for her supportive, transparent, and highly responsive approach. She ensures that her clients feel informed, empowered, and supportednot just during the transaction, but well beyond closing.

She offers flexible availability, meeting clients in person or virtually to accommodate busy schedules, and remains accessible to answer questions before, during, and after the mortgage process.

• Over 8 years of mortgage industry experience
• 6 years of institutional lending experience at CIBC
• Holistic, strategy-driven mortgage planning
• Strong focus on long-term financial well-being
• Clear communication and personalized guidance
• Client relationships built on trust and care

Sona Kamrava is committed to helping clients not just secure a mortgage, but build a future that reflects the lifestyle they have worked hard to achieve.