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.

Our Underwriting Holiday Hours

Victoria Day

Monday May 23

Oakville
Closed

Montreal
Closed

Vancouver
Closed

St. Jean Baptiste

Friday June 24

Oakville
Regular business hours

Montreal
Closed

Vancouver
Regular business hours

Canada Day

Friday July 1

Oakville
Closed

Montreal
Closed

Vancouver
Closed

Civic Holiday

Monday August 1

Oakville
Closed

Montreal
Regular business hours

Vancouver
Closed

Labor Day

Monday September 5

Oakville
Closed

Montreal
Closed

Vancouver
Closed

Thanksgiving

Monday October 10

Oakville
Closed

Montreal
Closed

Vancouver
Closed

Christmas Eve

Saturday December 24

Oakville
10am – 3pm EST

Montreal
Closed

Vancouver
10am – 3pm PST

Christmas Day

Sunday December 25 (Observing day: Monday December 26)

Oakville
Closed

Montreal
Closed

Vancouver
Closed

Boxing Day

Monday December 26 (Observing day: Tuesday December 27)

Oakville
Closed

Montreal
Closed

Vancouver
Closed

New Year’s Day

Sunday January 1 (Observing day: Monday January 2)

Oakville
Closed

Montreal
Closed

Vancouver
Closed

Day After New Years

Monday January 2 (Observing day: Tuesday January 3)

Oakville
Regular business hours

Montreal
Closed

Vancouver
Regular business hours

Our Underwriting Leadership Team & Centres

National Underwriting

2060 Winston Park Drive,
Suite 300
Oakville, Ontario
L6H 5R7
View Map

Toll-free: 1.800.511.8888

Eastern Canada Underwriting

Toll-free: 1.877.470.4144

Western Canada Underwriting

Toll-free: 1.800.511.8888

Send Us an Email

 

Email [email protected] for general inquiries.

Email [email protected] to report potential misrepresentation.

Meet our Underwriting Leadership Team

Jim Spitali
SVP Operations
[email protected]

Laura Morgan
VP Underwriting Operations
[email protected]

Central Underwriting Centre (1-800-511-8888)

Remco Appel
Director Underwriting Operations   

905-287-5468

Joseph Lio
Team Leader

905-287-5538

Scott Blanchard
Team Leader

905-287-5352

Western Underwriting Centre (1-800-511-8888)

Gordon Grant
Senior Underwriting Manager 

905-287-5225

Kris Chester
Team Leader

403-903-7104

Eastern Underwriting Centre (1-877-470-4144)

Viviane Bibeau
Senior Underwriting Manager

514-215-3136

Luc Fournier
Team Leader

514-215-3163

Joanie Berger
Team Leader

514-215-3145

Homeowner Assistance Program Team

Denise Boaventura
Leader, Homeowner Assistance Program
905-287-5324

Regional Risk Team

Katherine McMahon
Director, Risk
905-287-5356

Greg Casey
Regional Risk Manager, Ontario
416-209-5889

Jason Espetveidt
Regional Risk Manager, Prairies
403-831-9745

Ian Welin
Regional Risk Manager, Pacific
604-992-4335

Maurice Bijo
Regional Risk Manager, Quebec & Atlantic
514-592-5160

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

Email: [email protected]

Step 2

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

Sagen™
Attention: Jim Spitali
2060 Winston Park Drive, Suite 300
Oakville, ON L6H 5R7
E-mail: [email protected]

Contact Sagen™’s Ombudsman at [email protected]

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

Website: www.giocanada.org

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
Website: www.fcac-acfc.gc.ca