real estate mortgages
CMLS Financial is Canada’s leader in the commercial mortgage market. With market presence in six major Canadian commercial centres, we offer an unbeatable combination of national presence and local expertise. Our team of local commercial mortgage experts has the insights and industry know-how to help you get your deals done.
Steven HartManaging Director, Real Estate Finance
Steven Hart specializes in commercial real estate financing for both institutional and private investors. He has an extensive background in term mortgage finance, bridge loans, CMHC insured products and construction lending. Mr. Hart has over 15 years of experience in the commercial real estate industry.
Prior to joining CMLS in 2009, Mr. Hart worked as a director in the commercial mortgage division of three major financial institutions. He holds a degree in economics and management from the University of Calgary.
Jessica HarlandVice President, Real Estate Finance
Jessica Harland specializes in CMHC insured financing for Multi-Unit Rentals, Affordable Housing, Seniors Housing and Student Housing. She has more than 18 years of experience in the financial and banking industry.
Prior to joining CMLS in January 2018, Jessica worked at CMHC for 8 years, most recently as the Manager Multi-Unit Client Relations, bringing in depth expertise in this area. Prior to CMHC, Jessica was in banking for 10 years at a local Credit Union holding numerous positions. Jessica has completed the University of Calgary Real Estate Development Certificate program, the Mount Royal University Four Pillars of Management program, and is currently working on her Certified in Real Estate Finance (CRF) and Certified Property Manager (CPM) designations through the Real Estate Institute of Canada.
Tereesa PhillipAssistant Vice President, Real Estate Finance
Tereesa Phillip has over 10 years experience in the commercial real estate industry, with extensive experience in in all areas of commercial real estate finance from origination, servicing to risk management. She’s been involved in over $4 billion of commercial real estate transactions and is teamed up with Steven Hart to manage a commercial mortgage portfolio of over $1 billion. Ms. Phillip specializes in financing all types of commercial real estate assets, across Canada including conventional term, bridge/mezzanine and CMHC insured. Ms. Phillip clientele ranges from family run businesses to publicly traded real estate companies.
Prior to joining the Origination team at CMLS, Ms. Phillip held key positions at the firm in Risk Management and Mortgage Servicing divisions. Through this depth of knowledge, Tereesa provides a high level of expertise to clients.
Ms. Phillip attended the University of British Columbia, and holds a sub- broker license through the Sauder School of Business.