Fletcher Berry, Mortgage Agent

Fletcher Berry

Mortgage Agent
Licence# M17000138
Direct Line: 613-563-5098
Email Fletcher

Fletcher Berry joined the Ottawa-Carleton Mortgage Inc. team with a background in service and sales. He has been in the landscaping industry for over 10 years working for companies focusing on top quality service. He took a break from landscaping to attend Algonquin College and completed two years in the accounting program to help build his knowledge of the business world.  He then returned to landscaping starting his own business, focusing on providing clients with the attention to detail and great customer service that is needed to be successful in the industry. He now brings these qualities to providing you with the best mortgage experience possible at Ottawa-Carleton Mortgage Inc.

Every opportunity I am given to work on securing a mortgage for a client is very important to me. For the client, this is an important financial commitment they are making, and I do not take the task of finding the best mortgage product for them lightly. I am committed to doing all that is necessary to provide the client with the best mortgage experience.

Michelina Crothers, Mortgage Agent

Michelina Crothers

Mortgage Agent
Licence# M08000381
Direct Line: 613-563-5074
Email Michelina

Michelina has been in the mortgage industry for over fifteen years, after working for Canada Mortgage and Housing Corporation (CMHC ) in the real estate and default management fields.

She specializes in residential, investment real estate financing (Michelina is also a real estate investor for over twenty five years), alternate lending and private mortgage transactions.

Michelina is a regular guest on CFRA Experts on call giving sound mortgage advice and sharing her knowledge with clients. Her passion with respect to the mortgage industry is evident in how she educates her clients and she prides herself in giving exceptional customer service with the goal of establishing long term relationships. Her business has grown successfully over the years thanks to her network of great clients, her proven track record of getting the job done, and her straightforward approach.

Michelina is a graduate from Carleton University with a Bachelor of Commerce Degree with Honours.

Call Michelina direct at 613-563-5074

Kind words from Michelina's clients:

Michelina was amazing! We had a very short time-line by which to obtain a mortgage, but she managed to arrange one for us and with an ideal mortgage company. She was always professional and always available whenever we needed to communicate or had questions. We can't recommend Michelina enough!

-- S. & S. Bartlett

Negotiating a mortgage can be an intimidating process. After all, for most people their mortgage is the biggest, most impactful financial transaction they will ever make.

Michelina's knowledge, experience and common sense approach made our mortgage application not only much less intimidating than doing it ourselves, her key contact and standing in the lending community ensured we got a great rate, much better than we ever thought possible. She will always be the one we recommend to family and friends.

-- M. Hockley &. A.M. Bisson

My husband & I enjoyed the experience of dealing with Michelina Crothers during the re-mortgaging of our home. Michelina was very professional and informative and efficient. We plan on seeking Michelina's advice in the future.

-- C.M. Dyke

Our first time home buyer experience five years ago was so pleasant and stress free, we had no hesitation to come to you again for our mortgage renewal. We received an outstanding service, in a timely manner, at a very good interest rate. Thank you, Michelina, for your professionalism and dedication. We definitely recommend your services to anybody.

-- L. & R. Constantin

Michelina made us feel comfortable & welcomed. As a young & very inexperienced first time homebuyer Michelina made the process very easy & seamless. She answered my many questions politely & didn't get frustrated or annoyed when she had to explain things to me multiple times. I have recommended & will continue t recommend Michelina to anyone that needs a mortgage.

-- L. Keyes

We had the extreme pleasure of connection with Michelina in 2009, in our most recent dealings with her she provided quality advice and connected us to the right people. Her promptness and dedication to our situation was tremendously appreciated and we thank her for her outstanding services. She is a true professional providing excellent service. We will highly recommend Michelina's services to our family, friends and neighbours.

-- P. S. & D. Castanza

Michelina's approach to explaining the home buyer's process to first time home buyers was flawless. Her positive friendly attitude put us at ease in the big step in our lives. We definitely will recommend her to or family and friends and hope to work with her in the future.

-- T. & J.M. Lafreniere

The connection with Michelina is great, amazing service from start to finish, any questions, any issues, you can easily get in contact with her. Fully trustworthy, with the best rates; I would strongly recommend her to any friend.

-- L. R. Lobo

We enjoyed Michelina's help in applying for our mortgage. She was very knowledgeable and answered all our questions. As first time buyers this experience was new to us; however Michelina provided us with all the information and important things we needed to do. The process was simple and a great learning experience. We definitely would recommend her services.

-- J. & J. Taylor

We were very nervous and apprehensive about the ideal of purchasing our first home until we met Michelina. Within the first few minutes of meeting her, Michelina put us at ease and make us feel very comfortable. She showed us that buying a home was in fact within our means and gave us the confidence, tools and expert information to make informed decisions on our mortgage. We would definitely recommend Michelina to anyone.

-- D. Crosbie & V. McGuire

Chris Faubert, Mortgage Agent

Chris Faubert

Mortgage Agent
Licence# M15000233
Direct Line: 613-563-5088
Email Chris

After working in a number of different sales positions over the past 10 years, Chris realized that he particularly excelled in two things, customer service and sales. After learning the ins and outs of the mortgage industry from his father, a mortgage broker for over 33 years, he decided this was the perfect career path for him and became a licensed mortgage agent employed with Ottawa-Carleton Mortgage Inc. in early 2015. Chris believes his passion to do what's best for his clients, and his willingness to go above and beyond the call to satisfy his client’s needs, is what will drive him to succeed.

Larry Kulla, Mortgage Broker

Larry Kulla

Mortgage Broker
Licence# M08003255
Direct Line: 613-563-5089
Email Larry

Larry joined the Mortgage Industry in 2002, after 15 plus years in the hospitality industry.  Licensed as a mortgage agent with a local mortgage brokerage office in Ottawa, Larry went on to receive his Mortgage Brokers License within 2 years.  Larry recently joined Ottawa-Carleton Mortgage in February of 2014 to further his career in the mortgage industry with one of the leading brokerage firms in the Ottawa and surrounding area.  Larry has worked with 100s of families helping them with one of the largest financial decisions of their life.  He has successfully aided clients in acquiring new residential or commercial properties.  Larry works with a lot of different types of lenders that allow him to offer versatile mortgage solutions to meet almost every need of his clients.  Whether it be straight up 1st mortgage financing with one of the big banks or a unique solution with private investors, Larry has access to them all to be able to help you in your financial situation.  Call Larry today at 613-286-0026 to take advantage of low rates and custom fit solutions suited to your individual needs.

Victoria Smith, Mortgage BrokerVictoria Smith

Mortgage Broker
Licence# M08000389
Direct Line: 613-563-5072
Email Victoria

Victoria has extensive experience in the mortgage business having arranged residential and commercial financing from coast to coast for over 20 years. After working as a licensed Mortgage Broker in British Columbia for 6 years, Victoria became re-licensed in Ontario as a Broker and operated her own Mortgage Brokerage Firm here in Ottawa for 4 years. 

Her vast knowledge covers a wide array of financing, from mortgages on office buildings to retirement homes, from residential houses to cottages. Her diversification and expertise has earned Victoria a reputation as a true professional who strives to meet all her clients needs.

In 1997, Victoria joined Ottawa-Carleton Mortgage Inc., where her experience has propelled her to the top of the profession. 

Victoria is married to Gordon and has 2 children. She enjoys cottage life and fine dining.  

Call Victoria direct at 613-563-5072

Kind words from Victoria's clients:

Dear Victoria, You have a way of touching other's lives with your thoughtfulness. This is just a humble way to share a toast to your success. Thank you for your patience and perseverance. Two of your newest and most faithful clients.

-- B. & R. Wagoner

Hi Victoria, thanks so much for your help arranging my new mortgage. It's still hard to believe we have added the 12 acres to the farm. You have to come see "the herd" one of these days.

-- V. Foerster

Victoria, I needed to say thank you once again. I want you to know that I appreciate your hard work in helping me with the financing

-- O. Medina

Victoria, Victor and I appreciate all the effort you have put into securing that deal! We couldn't have done it without you. Thank you

-- J Ascher

Victoria, just wanted to thank you for all of your help over the years. You have made house buying experience stress-free and your expertise was greatly appreciated. I'm sure you'll hear from me again, or from all my friends I've given your name to!   

-- D. Milot

Dear Victoria, thank you for your help in arranging our mortgage. I certainly enjoyed the opportunity to talk to you. You dealt with a difficult situation in a very competent manner.

-- R. Boisvert

Find out how you can get the best mortgage:


TermOur Discounted Rates
6 Month Conv 3.30%
1 Year 3.29%
2 Year 3.39%
3 Year 3.39%
4 Year 3.59%
5 Year 3.39%*
6 Year 3.97%
7 Year 3.69%
10 Year 3.89%
18 Year N/A
25 Year N/A
Fully Open Variable 4.75%
5 Year Variable 2.90%
Rates subject to change.

Contact Us

  • Ottawa-Carleton Mortgage Inc
    381 Richmond Road Ottawa,
    Ontario K2A 0E7
  • Phone: 613-563-3447
    (24 hours)
  • Fax: 613-563-3195

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