Sebastien Litty provided negligent advice to at least four of his clients, causing them to lose the houses they were buying. No apology. Instead proceeded to make up lies. Avoid at all costs. They may be cheaper than other places, but in this case you get what you pay for. I have reported this to their management, and if I am not satisfied with their response, I will be reporting them to the ombudsman. He should clearly not be working in the mortgage industry.