About
The hours are the one thing
we have in common.
You have done hundred-hour weeks for a reason. So has the person underwriting your file — for a different one. Here is who handles it, what he did before this, and the licence numbers you can check without asking.
Ramin Hallaji-Dezfouli
Mortgage broker · British Columbia & Alberta
One broker carries the file from the first conversation to funding. That matters more here than on an ordinary purchase, because a projected-income file is argued rather than processed — the lender has to be shown why a contract that has not started yet is income.
Check the licence yourself
Both open the regulator’s own record for Ramin, not a company page.
Before this
Ten years of shifts, then six months of research.
Before mortgages, Ramin worked the oil fields out of Grande Prairie, Alberta — day shifts, night shifts, +40° summers, −50° winters, hundred-hour weeks, with three young children at home. Anyone who has come off a run of nights and still had to be a parent knows the arithmetic of that.
He spent six months researching what to do next before he did anything: bank advisor, realtor, or mortgage broker. Licensed in November 2020, first approval submitted within ten days. First-year target $100,000; first-year result $154,000. Top 50 of Dominion Lending Centres by monthly revenue at exactly twelve months in the business, Rising Star of Canada at twenty-four, and the Master Club — the top 5% of more than 4,000 brokers nationally — in 2025.
None of which is a reason to pick a broker. It is only evidence that the hours went somewhere.
Why this desk exists
Your income is real before your T4 agrees.
A bank reads a two-year average. A resident three months from staff pay, a new associate on a contract that starts in July, an incorporated surgeon leaving income in the corporation — none of them fit that template, and all of them are perfectly good files.
Nine lender programs qualify practitioners on projected income instead, and they disagree with each other about almost everything: how much they will count, which specialties they break out, how much of the down payment has to be your own money, and whether a professional line of credit is read as a payment or a limit. The differences are large enough to change what you can buy by hundreds of thousands of dollars.
Knowing those differences is the whole job. That is why this desk is separate from the residential side of the practice, and why the numbers on this site are published from the lenders’ own factsheets rather than described in general terms.