Get in Touch · Brantford, Ontario
Contact
Laracy Lending
Mike responds personally — no call centre, no assistant, no ticket number. Call, email, or send a quick message below. Every message receives a personal reply within 48 hours.
Reach Mike directly
Laracy LendingMike Laracy, Mortgage Agent Level 1
427 St Paul Ave, Brantford, ON N3R 4N8
Serving Brantford & Brant County and homeowners across Ontario
Phone: 519-865-0451
Email: info@laracylending.com
Please do not send confidential or personal financial information through email — the review questionnaire is the channel for that. And if you would rather start with the bigger picture, the Mortgage Wealth Review™ page explains exactly what a conversation with Mike covers.
Message sent — thank you.
Mike replies personally within 48 hours. If your question is time-sensitive, call 519-865-0451 — that is always the fastest route.
In the meantime, the strategy library answers most of the questions people write in with.
Licensing & disclosure
Mike Laracy — Mortgage Agent Level 1, Licence M100001454. Evolv Mortgage Group, Brokerage Licence #13833, independently owned and operated. Laracy Lending operates in the Province of Ontario.
“Laracy Lending” and “Mortgage Wealth Creator™” are trade names of Mike Laracy, Mortgage Agent Level 1 with Evolv Mortgage Group — not a lender and not a licensed brokerage in their own right. You can verify both licences on the FSRA registry at any time. Mike arranges mortgages through Canada’s banks, credit unions and other qualified institutional lenders.
Everything on this site — and everything discussed in a first conversation — is educational information only. It is not investment, tax or legal advice, and it is not an offer of credit. Nothing here guarantees approval, pre-approval, rates, returns, tax deductions or savings. Where a strategy touches tax or investments, Mike coordinates with your own accountant, planner or lawyer; he does not replace them. Sometimes the right answer is a straightforward mortgage — and he will say so. Read the full disclaimer.
Please do not send confidential or personal financial information through email. When detailed numbers are needed, the review questionnaire and the conversation itself are the channels for them.
Asked plainly,
answered plainly.
Practical questions about reaching Mike — including the honest answer about office hours.
See all questionsHow quickly do you respond?
Every message receives a personal reply from Mike within 48 hours — often sooner. There is no assistant, call centre or autoresponder queue; the reply comes from the person who will actually look at your situation. If something is time-sensitive, calling 519-865-0451 is the fastest way to reach him directly.
Do you meet in person or virtually?
Both. The Mortgage Wealth Review™ runs 45 to 60 minutes by phone, video or in person — whichever suits you. In-person meetings are easiest around Brantford and Brant County, while phone and video work equally well for homeowners anywhere in Ontario. The conversation and the preparation are identical either way.
Which areas do you serve?
Laracy Lending is based in Brantford, Ontario and serves homeowners across the province. Mike Laracy is licensed as a Mortgage Agent Level 1 in Ontario through Evolv Mortgage Group, so any Ontario homeowner can work with him — and because reviews run by phone or video as easily as in person, distance is no barrier.
What are your hours?
There are no posted office hours — honestly, mortgage questions rarely keep a nine-to-five schedule. Send a message or call whenever suits you: every message receives a personal reply within 48 hours, and evening or weekend calls can be arranged when daytime does not work for your household.