Sagen Underwriting Team

Aerial view of houses in a neighbourhood

We’re Here for Lenders

At Sagen™, our underwriters take great pride in providing an exceptional experience for lenders across Canada. Whether it’s a phone call to answer your questions or a review of your file, we’re here to share our deep understanding of the Canadian mortgage industry with you.

Our Underwriting Hours

All centres are open from 8am – 6pm local time Monday – Friday with our hours in English available 8am – 9pm EST. We are also open 10am – 6pm EST in all provinces excluding Quebec on Saturday and closed on Sunday.

Underwriting Holiday Hours

Christmas Eve | December 24

Oakville: 8am – 3pm EST

Montreal: 8am – 3pm EST

Vancouver: 8am – 3pm PST

New Year’s Eve | December 31

Oakville: 8am – 3pm EST

Montreal: 8am – 3pm EST

Vancouver: 8am – 3pm PST

Day After New Year’s | January 2 & 4

Oakville: Regular business hours

Montreal: Closed

Vancouver: Regular business hours

Christmas Day & Boxing Day | December 25 – December 28

Oakville: Closed

Montreal: Closed

Vancouver: Closed

New Year’s Day | January 1 & 3

Oakville: Closed

Montreal: Closed

Vancouver: Closed

Our Underwriting Leadership Team & Centres

National Centre

2060 Winston Park Drive,
Suite 300
Oakville, Ontario
L6H 5R7
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Toll-free: 1.800.511.8888

Eastern Centre

999, De Maisonneuve Ouest
Suite 1800
Montréal Québec
H3A 3L4
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Toll-free: 1.877.470.4144

Western Centre

750 – 595 Burrard Street
Vancouver, British Columbia
V6Z 2V6
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Toll-free: 1.800.511.8888

Send Us an Email


Email for general inquiries.

Email to report potential misrepresentation.

Meet our Underwriting Leadership Team

Jim Spitali
SVP Operations

Underwriting Leaders – Head Office

Scott Blanchard
Senior Underwriting Leader

John Chan
Senior Underwriting Leader

Carlos Constantino
Senior Underwriting Leader

Dwayne Kropf
Senior Underwriting Leader

Joseph Lio
Senior Underwriting Leader

Kimberly Oroszy
Senior Underwriting Leader

Underwriting Leaders – Head Office (1-800-511-8888)/MIS Transfer #2810

Amie Burke
Senior Underwriting Manager – Eastern Canada excluding Quebec

Gordon Grant
Senior Underwriting Manager – Western Canada

Underwriting Team – Quebec (1-877-470-4144)

Viviane Bibeau
Senior Underwriting Manager – Montreal

Luc Fournier
Senior Underwriting Leader

Homeowner Assistance Program Team

Tina Hayer
Leader, Homeowner Assistance Program

Regional Risk Team

Katherine McMahon
Director, Risk

Shawn Kirby
Director, Risk Initiatives

Greg Casey
Regional Risk Manager, Ontario

Jason Espetveidt
Regional Risk Manager, Prairies

Ian Welin
Regional Risk Manager, Pacific

Maurice Bijo
Regional Risk Manager, Quebec & Atlantic

Our Commitment to You

It’s our mandate to provide excellent service with every interaction. Our underwriters ensure that each file submitted is processed efficiently and decisions are communicated in a timely manner. Lenders who work with us can also expect:

  • The promise to respond to our customers quickly
  • A trusted escalation process (including requests for exceptions)
  • No automated declines—we review every file we receive
  • Specialized regional underwriting expertise

Resolving Your Concerns

Step 1

Our Customers should call their Account Manager or contact a customer service representative at:

Telephone: 1-800-511-8888


Step 2

If Customers are unable to resolve their complaints to their satisfaction, they should contact the Company’s SVP, Operations at:

Attention: Jim Spitali
2060 Winston Park Drive, Suite 300
Oakville, ON L6H 5R7

Contact Sagen™’s Ombudsman at

Third-Party Complaint-Handling Process For This Institution:

General Insurance OmbudService (GIO)
4711 Yonge Street, 10th Floor
Toronto, ON M2N 6K8
Tel: 1-877-225-0446
Fax: 416-299-4261


If a customer is not satisfied with the final decision of the General Insurance OmbudService, they may wish to contact the FCAC:

Financial Consumer Agency of Canada (FCAC)
6th Floor, Enterprise Building
427 Laurier Avenue West
Ottawa, ON K1R 1B9

Toll Free: 1-866-461-3222