Our Beliefs

Every individual is unique in their life story and financial situation.

Our Core Values

Integrity, reliability, transparency, innovation, and excellence.

Our Goal

To create a tailored financial solution unique to you.

Meet the Team

  • Victor Crivianu

    Mortgage Agent

    My story begins when I finished my Master’s of Analytical Chemistry. Wait, what? Yes, that’s correct I was in the sciences for my schooling. And then I realized that my favourite part of what I was doing was the numbers and the analytics. My other passion was working and helping people. But I was not going to be able to do both of those things doing chemical research.

    Thus, I branched off and started down a new path almost 10 years ago. The path in the world of finance. Today I work as a mortgage agent - an incredibly fulfilling job that allows me to play with numbers and analytics all day while also helping people.

    I believe that every person is unique in both their life and financial situations. You are not just a credit score and an income to me. My goal is to analyze every little aspect of your personal and financial background. Piecing everything together, I will create a tailored solution that will meet your immediate short-term financial goals as well as contribute to the long-term building of your wealth.

  • Joseph Accardi

    Broker Principal

    I started Ardent Mortgages Inc in 2018, with roughly 6 years experience in mortgage brokering at the time.  Even though my background was in software development and (surprisingly) music and the arts, I found myself constantly returning to the world of real estate.  I suppose this has a lot to do with the saying, ‘the apple doesn’t fall far from the tree’ – as I grew up surrounded by family in the real estate universe (from construction, to lending, to property management, to real estate sales). 

    I wanted to create a company with a focus on building and creating wealth for our clients, rather than focusing on interest rates and purchase financing.  There are so many home owners in our city and in our province who are drowning in debt, and I wanted to build something that made a difference for those people.  The idea is to graduate people from borrowing at high interest unsecured debts, to secured lower interest, to then investing and seeing a return on their efforts, rather than an interest cost.

    Through strategic partnerships and a direct client approach, I believe that Ardent Mortgages has made a significant impact on the overall financial situation of the clients we have worked with over the years.  I intend to continue this trend, and look forward to helping many new clients in the future.