That is the lesson my husband and I learned when we bought our first house together.  We didn't do that! We started with another mortgage broker and from there, everything went wrong, to the point that we thought we would lose our dream home and our deposit.  Dmitri came to our rescue and did what we thought was the impossible! He got us our mortgage with less than one week to closing!  Thank you Dmitri, because of you, we are in our new home.  Nikki and Peter