FINANCING WITHOUT BORDERS.
Mortgage solutions for Canadians buying, investing and building wealth at home and in the U.S.
CANADA 🇨🇦 | UNITED STATES 🇺🇸
Prime · Alternative · Private · Refinance · Investment · Cross-Border
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Samantha Valencia brings a unique perspective to mortgage financing—one built from years of working directly with buyers, sellers, investors and families navigating major real estate decisions in both Canada and the United States.
As a top-producing Realtor and co-founder of The Valencia Team, Samantha saw firsthand how closely real estate and financing work together. She expanded into mortgage services to provide clients with knowledgeable, strategic support beyond simply buying or selling a home.
Today, Samantha is a Mortgage Agent with Serca Financial Mortgage Group, helping clients access a wide range of financing solutions in Ontario while also connecting clients with U.S. financing opportunities through her trusted lending network.
From straightforward purchases to more complex financing scenarios, Samantha can help clients explore:
Canadian Financing
Prime bank mortgages · B lenders · Private lending · Refinancing · Self-employed solutions · Investment properties
U.S. Financing
Canadian & foreign national financing · U.S. property purchases · Investment properties · Second homes · Cross-border financing solutions
What makes Samantha's approach different is her understanding of the entire real estate transaction. She doesn't look at financing in isolation—she understands the property, the transaction and the bigger financial picture.
Whether you're buying your family home in Ontario, refinancing an existing property, building an investment portfolio or purchasing real estate in the United States, Samantha can help you understand your options and connect the pieces.
Two countries. More options. One point of contact.
Based in Simcoe County and serving clients throughout Ontario, with access to financing solutions for U.S. real estate.
Explore Samantha's profile with Serca Financial Mortgage Group.