Welcome to MIC Financial 

At MIC Financial, we understand that buying a home is more than just a financial decision—it’s a life decision. Whether you're a first-time homebuyer, looking to refinance, or an experienced property investor, we’re here to guide you every step of the way.
With years of experience in the mortgage industry, our dedicated team of professionals is committed to making the lending process straightforward, transparent, and tailored to your unique needs. We take the time to understand your goals and work diligently to secure the best possible financing options for you.
Our mission is to turn your dream of homeownership into a reality by providing personalized service and leveraging our extensive network of lenders. We pride ourselves on building lasting relationships, ensuring that our clients not only receive the right mortgage but also feel confident and informed throughout the process.


What Does Your Financial
Pathway Look Like?

MIC Financial has been providing exceptional mortgage advice and investment solutions to all our clients. Our firm specializes in both residential and commercial mortgages as well as in depth construction financing. With the breadth of relationships we have with our various lenders, we pride ourselves on providing a very customized solution to your specific financial need. We have access to a wide range of institutional lenders like your traditional banks as well as alternative lenders like trust companies and credit unions. In this ever changing mortgage market, finding the appropriate financing solution has become increasingly difficult for borrowers of all types to get approved. We will utilize our vast knowledge and experience to provide you with the best mortgage solution with the cost of borrowing also being a paramount factor.

Our expert underwriters specialize in packaging deals and try to get you the financing you need when you need it! Regardless of whether or not you are a first-time homebuyer looking for your first home or a self-employed individual we have the solution for you.
Our attention to detail and professionalism to every individual client allows us to customize each deal independently with high efficiency!
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​Our Most In-Demand Services​

​Mortgages

Welcome to MIC Financial – Your Trusted Partner in Mortgage Solutions
At MIC Financial, we pride ourselves on delivering top-tier mortgage advice and investment solutions tailored to meet the unique needs of every client. Our expertise spans across residential and commercial mortgages, as well as specialized construction financing.
Leveraging our extensive network of lending partners, we offer highly customized financing options designed to suit your specific financial requirements. Our access includes a wide array of lenders, from traditional banks to alternative options like trust companies and credit unions. In today's complex mortgage landscape, finding the right financing solution can be challenging. That's where we step in—utilizing our deep industry knowledge and experience to secure the ideal mortgage solution while keeping your borrowing costs in mind.
Our team of expert underwriters is dedicated to structuring deals that get you the financing you need when you need it. Whether you’re a first-time homebuyer or a self-employed professional, we have the right solution for you. We approach every client’s needs with professionalism and meticulous attention to detail, ensuring that each deal is efficiently customized to achieve your financial goals.
Experience the MIC Financial difference—personalized solutions, exceptional service, and a commitment to your success.

Debt Consolidation

Achieve Financial Freedom with Debt Consolidation
Consolidating your debt is a crucial step toward achieving financial success. In many cases, every dollar saved feels like two dollars earned! Our team is here to guide you on the path to financial freedom, ensuring that you’re not burdened by excessive interest rates.
It's challenging to break free from debt if most of your income is going toward high-interest payments. Our goal is to put that money back in your pocket, helping you pay off your debt quickly and efficiently. If needed, we’ll also work to improve your credit and eliminate unaffordable and lingering debt.
With our proven strategies and personalized approach, we’ll support you every step of the way to regain control of your finances and reach your goals. Start your journey to debt-free living today!


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Investment Strategy

Many people underestimate the importance of having an investment strategy. At our firm, we believe it’s a critical step toward financial success. Proper planning ensures that your money not only works for you but is also protected against potential risks. Without a clear strategy, you could face financial setbacks that impact your short-, medium-, and long-term goals.
We specialize in creating tailored investment plans that align with your unique objectives, both for today and your future. You work hard for your money—let us help you make the most of it. Our team will guide you in maximizing your investments through smart use of RRSPs, TFSAs, and other essential financial products. Take the first step toward securing your financial future with a customized strategy that helps your money grow.

About Us

MIC Financial is built on a legacy of excellence, expertise, and dedication to providing outstanding financial solutions for our clients. Our firm’s story began in 1973 with Emilio Mammone, the Broker of Record and founder of the parent company, S.O.R.A Real Estate and Insurance Ltd. With decades of experience as a real estate and mortgage broker, Emilio has built a reputation for integrity and professionalism, serving clients with comprehensive real estate and mortgage solutions. His expertise also extends to the insurance industry, where he worked as a licensed broker, further expanding his breadth of knowledge.
In 2009, Emilio’s son, Roberto Mammone, joined the family business after a successful career in banking. Together with his wife, Lucia Iannetta, they established a new division—MIC Financial—focused on providing specialized mortgage financing and investment solutions.
Roberto Mammone’s background in financial planning and extensive knowledge of the banking industry have been instrumental in growing MIC Financial into a trusted partner for clients seeking personalized mortgage and investment strategies.
Lucia Iannetta, who holds a degree in Mathematics for Commerce, brings her entrepreneurial spirit and business acumen to the team. With her experience as a business manager and owner, Lucia has played a key role in the development and success of MIC Financial. Her keen understanding of business operations and passion for finance have helped the firm expand its services and maintain its client-centric approach.


   

MIC Financial Brokerage#11891
Division of S.O.R.A. Real Estate & Insurance Ltd.