I would NOT recommend Envoy. As a home buyer, Doug was recommended to me by my real estate agent (I wouldn't recommend him either) who convinced me he could get me a better rate than a bank. I went to him for his expertise. I didn't feel he was upfront about all the fees and costs. I sat with him prior to starting the mortgage process, making a list of all the costs, but in the end it costs me much more than what was originally discussed.
I probably should have shopped around for a mortgage company and a real estate agent. My suggestion SHOP AROUND AND DO YOUR HOMEWORK. read more