About
A mortgage is the largest number most people will ever sign. It should be explained, not sold.
Rohit Sachdeva — Mortgage Associate, Mortgage Architects. Serving Alberta & Saskatchewan.
Prosper Mortgage Group is an independent brokerage practice with one objective: simplify home financing for buyers and owners who do not fit a bank's checklist.
Nine years in financial services — two of them inside the banks whose underwriting standards now shape every file — and nearly seven arranging mortgages. That vantage point is the practice: knowing how a lender reads an application before it is ever submitted.
Rohit Sachdeva — Calgary Mortgage Associate & Complex File Specialist
Self-employed and business income · Files declined elsewhere · Newcomers to Canada · First-time buyers · Renewals and refinancing
Rohit started in Regina in 2017, on the inside of two of Canada's largest banks — CIBC, then Scotiabank. At Scotiabank he sat on the lender's side of broker deals, coordinating with underwriters and funding officers to get files closed. Most brokers never see that view. It is the reason he can usually tell, early, which lender will say yes to a particular file and which will waste three weeks before saying no.
He moved to the brokerage side in 2019 with True North Mortgage in Calgary, funding $40–45 million in residential mortgages — mostly A lending, with enough B lending to be fluent in it. In 2023 he went independent as a Mortgage Associate with Mortgage Architects.
The practice concentrates where bank branches struggle: income that does not arrive as a biweekly paycheque. Self-employed borrowers whose write-offs shrink the income a lender is willing to count. Newcomers with thin Canadian credit. Investors whose rental income each lender treats differently. Files another broker or a branch has already turned down.
What that looks like in practice is unglamorous: asking for the full document list at the start instead of the day before closing, structuring the application before it goes out, and telling a client early when the answer is going to be no — or when waiting three months would get them a materially better one.
Outside the files, Rohit lives in Calgary and works in English, Hindi and Punjabi.
What clients actually say
Counted across all 106 published Google reviews as of July 2026 — every one of them five stars.
Would recommend, or came back
The single most common thread. Several reviewers are on their second or third transaction; two are industry professionals — a licensed broker and a realtor — who send their own files or clients over.
Reachable when it mattered
Answered questions at odd hours, returned calls, and asked for documents at the start of a file rather than the day before closing.
Explained it patiently
Walked through the numbers without jargon and without rushing — mentioned most often by first-time buyers and newcomers.
The process felt calm
"Stress-free" and "smooth" are the words clients reach for most. On a file with a firm closing date, that is the whole product.
Themes are keyword counts over the published review text, not a survey. Reviews are reproduced elsewhere on this site as published. Individual results vary — past outcomes are not a guarantee of approval, rate, or timeline.
Nine years, both sides of the desk
Two years inside the banks, then nearly seven arranging mortgages independently.
2023 — Present
Mortgage Associate
Mortgage Architects
Independent practice. Purchases, renewals, refinances and complex files across Alberta and Saskatchewan, placed through a network of A, B and alternative lenders rather than a single institution's product shelf.
2019 — 2023
Mortgage Specialist
True North Mortgage
Calgary. Funded $40–45 million in residential mortgages, working mostly A lending with some B. Full file ownership: application, credit assessment, document verification and lender submission.
2018 — 2019
Client Solution Advisor
Scotiabank
Regina. Closed switches, refinances and new mortgages in branch, and worked the other side of the desk from external brokers, underwriters and funding officers — useful context for how a lender actually reads a file.
2017 — 2018
Financial Services Representative
CIBC
Regina. Day-to-day banking, borrowing, insurance and investments. Where the habit of starting from a client's whole financial picture rather than a single product came from.
2012 — 2013
Sales Executive
Pinak Group
Greater Jaipur Area. New real estate development sales, end to end — first exposure to property transactions and the anxieties that come with them.
Tell me about your file. I will tell you honestly where it stands.
Pre-qualification takes a few minutes and does not affect your credit score. If a lender is not going to work for you, you will hear it early.