CMLS Financial is Canada’s leader in the commercial mortgage market. With market presence in seven major Canadian commercial centres, we offer an unbeatable combination of national presence and local expertise. Our team of local commercial real estate finance experts has the insights and industry know-how to help you get your deals done.
Jacques Gauthier handles various types of financing, with a specialty in multi-residential and CMHC insured. His clientele includes commercial investors and developers. Mr. Gauthier has more than 35 years of experience in real estate.
Prior to joining CMLS in 2016, Mr. Gauthier built his career as an underwriter for CMHC before moving on to the mortgage financing private sector. In 1989, he started his own real estate agency. Mr. Gauthier is a licensed real estate broker and a member of OACIQ. He graduated from the University of Québec in Montréal.
Santiago Garcia-Rejon specializes in construction financing but also handles various types of financings including office, retail, industrial, hotels, senior housing and multi-residential. Mr. Garcia -Rejon is also a member of the CMLS Financial team responsible for delivering CMHC’s rental construction finance initiative. Santiago’s clientele includes commercial real estate investors and property developers.
Prior to joining CMLS Financial in Montreal, Mr. Garcia worked in the real estate finance groups at two major Canadian banks.
Serge Leduc focuses on all types of commercial real estate products, including office, retail, industrial, hotels, senior housing and multi-residential. He works with private portfolio owners as well as corporate and institutional clients. Mr. Leduc has 37 years of experience in the real estate industry.
Prior to joining CMLS in 2011, Mr. Leduc held a number of key roles, including partner with a leading Quebec real estate appraisal firm, Director of Acquisitions for one of Canada’s largest pension fund managers, and Senior Director of Commercial Financing for a Canadian chartered bank. He was a professional appraiser for 25 years and is an accredited member of OACIQ. Mr. Leduc holds a Bachelor of Applied Arts in real estate business from the University of Québec in Montréal.
Marc Bolduc specializes in multi-unit residential properties with 20 units and up that require either Conventional or CMHC Insured financing. Mr. Bolduc also handles various types of financing including commercial, retail, industrial etc. Marc’s clientele includes an array commercial property owners and real estate investors. Mr. Bolduc has 30 years of real estate experience.
Prior to joining CMLS Financial Montreal team in 2018, Marc held a position of Regional Director, for a major Canadian investment company. He has also worked as an accredited real estate appraiser. Marc holds a Bachelor degree in Finance from the Université du Québec.
Andrew Ricciardi specializes in construction financing but also handles a variety of oncome producing asset types. He has over 10 years of real estate finance experience. Mr. Ricciardi is a member of the CMLS Financial team responsible for delivering CMHC’s rental construction finance initiative. His clientele includes commercial real estate investors and property developers.
Prior to joining CMLS in 2015, Mr. Ricciardi worked on several real estate projects in various roles. He holds an Executive MBA from the John Molson School of Business at Concordia University.