Meet Our Team

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Alex Kotai<br />
President & Senior Mortgage Advisor
Alex Kotai
President & Senior Mortgage Advisor
604.557.3461

Broker Assistants to Alex Kotai/YMS:

Rick Warren admin@ymscanada.ca 604.556.3893
Janice Gear office@ymscanada.ca 604.556.3893

Alex Kotai, President & Senior Mortgage Advisor

Alex Kotai has worked in the mortgage brokerage business for well over 10 years. His career started at HSBC Bank Canada where he spent most of his time in senior management roles which involved training and managing the sales staff at his branch. After leaving HSBC, Alex decided to open his own mortgage brokerage firm, Your Mortgage Source. Through his company, Alex has access to many lenders across the country with a very expansive list of products.

Alex has lived in the community of Abbotsford for many years and has an in-depth knowledge of the local real estate market. He has contacts in all fields of the market including lawyers, notaries, real estate agents and home inspectors. This means you have access to all of the resources available to draw upon for your mortgage and housing needs. In addition to his experience in the mortgage business, Alex has a wealth of knowledge obtained through his educational background which includes a Bachelor of Business Administration Degree.

Alex is truly committed to providing first class customer service and finding the right mortgage for his clients in Abbotsford, Chilliwack, the Fraser Valley and Canada wide. Alex believes in providing great advice and will look at every means possible to get clients the mortgage they need. He truly enjoys working with people and this is evident in the service he provides each and every day.

Our Valuable Team Members

Avneet Dhutti<br />
Mortgage Advisor
Avneet Dhutti
Mortgage Advisor
778.552.8846
Avneet has graduated from UBC Sauder School of Business under the mortgage Broker program. Her aim is to assist clients in every possible way, providing the best advice for their mortgage needs. As a mortgage advisor, she deals with various financial institutions and assure that applicants in need of services in matters related to finances are provided with the simplest yet best solutions possible available after careful consideration of all factors.
Amit Soin<br />
Mortgage Advisor
Amit Soin
Mortgage Advisor
778.902.0009
Amit Soin has been in the Financial Industry for over 5 years. He has graduated with a Bachelor of Commerce degree. Amit has a passion for helping homeowners find the right mortgage product suitable for their individual financial goals and needs. As a mortgage planner, he has helped many people like you. Based out of Abbotsford, Amit can speak multiple languages (English, Punjabi, and Hindi). He is able to provide unbiased and expert advice on your mortgage and find the best rate with the best term and options to suit your unique financial requirements whether you are buying a new house, renewing your mortgage, or refinancing. He can be reached at any time and looks forward to helping you for your mortgage needs.
Bob Buckham<br />
Mortgage Advisor
Bob Buckham
Mortgage Advisor
604.852.9311
Bob has been a licensed mortgage broker in British Columbia for many years. He was raised in Vancouver and earned a Bachelor of Commerce degree from UBC in 1979.

He currently lives in Abbotsford with his wife, and has 3 children. He loves keeping in shape, cycling, music, and being active with his church.

Bob’s specialty is working with clients that have damaged credit. Whether it is “less than perfect” credit or no credit, he has been able to assist many in buying a house or getting a 2nd or 3rd mortgage to consolidate debt or do renovations.

Charanjit Jandu<br />
Mortgage Advisor
Charanjit Jandu
Mortgage Advisor
604.854.9063
Charanjit Jandu has been an Abbotsford resident for the past 18 years. He and his wife have 3 children. He obtained both his Real Estate License and his Mortgage Brokering License from the UBC/Sauder School of Business.

Charanjit is based in Abbotsford and likes to focus on the Fraser Valley area. For assistance with any residential, agricultural or commercial property transaction, whether it is a purchase, refinance or renewal, feel free to call or email Charanjit at any time.

Clay Delorme<br />
Mortgage Advisor
Clay Delorme
Mortgage Advisor
604.615.7355
Clay Delorme is a graduate of the Sauder School of Business at UBC. He brings a wealth of professional knowledge to the table in the mortgage and real estate industry including: Residential experience (luxury, acreage, new construction, strata, fee-simple, foreclosures, rentals, vacation, and manufactured) as well as Commercial experience (strata, lease, multi-unit rentals, bare-land and land assembly). Take this knowledge and experience and mix it with Clay’s client-centered approach to create a recipe for happy clients that have the best financing scenario to meet their needs.
Dalj Brar<br />
Mortgage Advisor
Dalj Brar
Mortgage Advisor
778.882.5820
After graduating from the University of British Columbia in 1997, Dalj Brar opened a marketing company working with clients in the oil and gas industry as well as telecommunications. Recently, he worked in the film industry as a Producer dealing with financing for feature films and now brings his financing knowledge to YMS after graduating from UBC Sauder School of Business under the Mortgage Broker program, Dalj looks forward to helping new home buyers with their mortgage transactions, refinancing and renewal options. He is ready to walk you through the mortgage process and find the right mortgage product for your specific needs. Give Dalj a call anytime.
Janet Horie<br />
Mortgage Advisor
Janet Horie
Mortgage Advisor
604.689.2880
After 18 years of working behind the scenes in Industrial and Financial Sales, Janet Horie is delighted to be working directly with clients again. This is where she feels she can use her skills, knowledge and persistence to help home owners, home buyers and commercial property investors save time, money, and find the perfect financing product to meet their varying needs. Janet is a 2010 graduate of the UBC Sauder School of Business’s Mortgage Broker program. She has been a life-long resident of Vancouver, and currently splits her time between the busy, urban West End in downtown Vancouver, and the more relaxing Tsawwassen in South Delta.
Jeet Nahal<br />
Mortgage Advisor
Jeet Nahal
Mortgage Advisor
778.241.9575
Whether you’re purchasing a home for the first time, talking out equity from your home for investment or pleasure or your current mortgage is simply up for renewal, it’s important that you are making an educated buying decision with professional unbiased advice. Jeet can show you how different rates, products and terms can affect the lifetime cost of your home and at no cost to you. With access to over 25 lenders Jeet can find a mortgage solution to fit your needs, not the lenders’.
Krishna Mulder<br />
Mortgage Advisor
Krishna Mulder
Mortgage Advisor
604.825.4458
Krishna Mulder is an entrepreneur, philanthropist and dedicated mortgage professional. Although he has always called Canada home, growing up abroad in such countries as India, Mauritius, South Africa, and several others, has given him a unique understanding of the challenges faced by Canada’s new immigrants. Krishna is a regular volunteer with local charities and prides himself on having been a key member of the Food For Life Global (www.ffl.org) disaster response team. His years of experience as an entrepreneur and leader in the operational side of the banking industry has given him a creative approach to financing.
Kulwinder Dheria<br />
Mortgage Advisor
Kulwinder Dheria
Mortgage Advisor
604.217.7676
Kulwinder Singh Dheria has been in the Financial Industry for over 10 years providing exceptional advice and service to his clients. Kulwinder has an MBA degree in Finance. His extensive knowledge and experience comes from working as an Investment and Insurance Advisor at Investors Group, Financial Advisor at CIBC and Manager Mortgage Specialist at TD Canada Trust. Kulwinder works with first time Home Buyers, Commercial Business Investors, Builders, Financial Planners, and Realtors. He services the Greater Vancouver Area, Fraser Valley and across BC.
Kumar Rathod<br />
Mortgage Advisor
Kumar Rathod
Mortgage Advisor
778.241.9153
Kumar was born and raised in India. After completing his basic schooling he obtained his Bachelor of Science degree. Since that time he has been self-employed. He owned and managed a copper factory for approximately 25 years before immigrating to Canada in 2005. He continued his education here by obtaining a Post Degree Diploma in Business Studies from Vancouver Island University. He then settled in Abbotsford where he became a licensed realtor and subsequently obtained his Mortgage Broker license a few years ago. Kumar prides himself on being honest, transparent and reliable. He can be reached at any time and looks forward to helping you whether you are purchasing a new home or refinancing an existing property.
 Manmeet Thathar<br />
Mortgage Advisor
Manmeet Thathar
Mortgage Advisor
778.552.2515
Manmeet Thathar (M.Com,CPB,DFA) has been in the Accounting Business for over fifteen years in Abbotsford, BC. He is also a graduate of the UBC Sauder School of Business Mortgage Broker Program. His education and vast experience have helped his clients to achieve their financial goals. He brings a wealth of professional knowledge and understanding of financial needs to his clients.
Manmeet is also a Mutual Fund Advisor and provides his services through CANFIN Financial group.

He is known to Abbotsford local community for his friendly, honest and hardworking personality.

Raman Sidhu<br />
Mortgage Advisor
Raman Sidhu
Mortgage Advisor
604.615.9862
Raman is here to help you with your financing needs. She has 15 years of finance experience. Throughout her finance career she have built a
large network which includes appraisers, lawyers, notaries, accountants and other
professionals. She will utilize her experience and network to help you with the finance requests you have. Raman has helped individuals with establishing credit, buying their first home, refinancing, rebuilding credit and many other life changes an individual may go through. She is available via phone, text or email.
Rasadi Cortes<br />
Mortgage Advisor
Rasadi Cortes
Mortgage Advisor
778.837.9090
Rasa has worked in the real estate industry for 17 years in Sales Administration and Property Management. For the last seven years she has worked in Land Management where she is a current member of the International Right of Way Association (IRWA) and holds a wealth of knowledge in land and property rights. Rasa was born and raised in beautiful BC and has spent the last 10 years living in Delta. She also spends time with her family in the Thompson Nicola region enjoying the beautiful lakes and rivers in the area. She is married and has two teenaged sons. She enjoys hikes in the nearby Watershed Park or Mud Bay with her husband of 20 years and their two dogs.
Rick Warren<br />
Mortgage Advisor
Rick Warren
Mortgage Advisor
604.807.3506 **see below

**Please DO NOT CALL Rick Warren’s cell number for deals for Alex Kotai. You may call the Office number at 604-556-3893 or Alex Kotai’s cell at 604-557-3461.

Rick Warren has been helping clients achieve their financial goals for over 40 years, firstly as a banker, then as a finance and lease professional and most recently, since 2006, as a mortgage professional. Throughout his career Rick has strived to provide honest, reliable customer service and an excellent client experience at every opportunity. The skills and attributes that made him a successful banker and finance professional enables Rick to see through the challenges in today’s marketplace and find a way to help clients purchase or refinance a new home, second home, existing property or commercial investment. Rick’s client base extends from the Fraser Valley to Greater Vancouver, the Sunshine Coast, Vancouver Island, and the Interior.

Rob Gill<br />
Mortgage Advisor
Rob Gill
Mortgage Advisor
604.825.9697
Rob has been in the Financial Industry since 2008. He has graduated with a Bachelor of Commerce degree. Rob finds it very rewarding to help homeowners find the right mortgage product suitable for their individual financial goals and needs. With him, you will have someone working very hard on your behalf to deliver the best mortgage that fits your needs. As a mortgage planner, he has helped many people like you. He walks you through the whole mortgage process by explaining what steps you need to take and when you need to take them. He is able to provide unbiased and expert advice on your mortgage and find the best rate with the best term and options to suite your unique financial requirements whether you are buying a new house, renewing your mortgage, or refinancing.
Roy Caldwell<br />
Mortgage Advisor
Roy Caldwell
Mortgage Advisor
604.308.1565
Roy was born in Vancouver, BC and in 1976 he joined Household Finance as a lending officer. Throughout his career he has worked at various bank management postings in cities including Vancouver, Revelstoke, Burns Lake, Nelson, Dawson Creek and Vernon. In 1987 he married his wife Linda and they have a son named Scott. He is a past president of the Kinsmen Club, charter member of Vernon Kiwanis club, and past member of Chamber of Commerce. His hobbies include riding his motorcycle riding, camping, golfing and hiking. Roy has vast experience in consumer and commercial lending and uses this experience to obtain “the best mortgage deal” for his clients.
Rupy Sidhu<br />
Mortgage Advisor
Rupy Sidhu
Mortgage Advisor
604.318.7652
Rupy is a graduate of the Sauder School of Business at UBC where she successfully completed the mortgage broker program. She grew up in the small town of Kamloops, BC before moving to the Lower Mainland. In her previous line of work Rupy has worked as a licensed Pharmacy Technician, completed Dental Hygienist program, and has been an instructor at the Academy of Learning. Along with Rupy’s educational background, Rupy is fluent in both English and Punjabi. Throughout her career, Rupy’s passion has been to help people, and provide them with highest degree of service and trusted advice. Rupy’s goal as a Mortgage Broker is to continue to build upon her past successes, and help her clients to achieve their financial goals and their dream of owning their own home.
Scott Doerksen<br />
Mortgage Advisor
Scott Doerksen
Mortgage Advisor
604.850.4345
Scott Doerksen was born and raised in the Abbotsford area where he still resides with his lovely wife Colleen and their three children. He has owned and operated a large family farm, has build several homes and has an extensive list of trades that can be drawn upon for almost any situation. His combined knowledge of business and construction is an invaluable asset in assessing, calculating and presenting viable options to his clients.
Scott is a graduate from the mortgage broker program at the UBC Sauder School of Business. As an YMS advisor, Scott has access to a large number of lenders and enjoys the challenge of every financing situation and obtaining the lowest cost financing solution. Scott is 100% committed to supplying “Second to none Service” for ALL clients in Abbotsford, Chilliwack, the Fraser Valley and Canada. Whether you are looking to buy your first home, consolidate debt, purchase a commercial or agricultural property, or just refinance call Scott anytime for a FREE consultation.
Sukhvir Singh Dheria<br />
Mortgage Advisor
Sukhvir Singh Dheria
Mortgage Advisor
778.982.0888
Sukhvir Singh Dheria is a licensed Mortgage Advisor with Your Mortgage Source. He specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal.
Suresh Chawla<br />
Mortgage Advisor
Suresh Chawla
Mortgage Advisor
778.990.8472
Suresh Chawla is a licensed Mortgage Advisor with Your Mortgage Source. He specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal.

Your Mortgage Source is dedicated to providing all of our clients throughout Abbotsford, Chilliwack, the Fraser Valley and Canada wide with the highest quality of service and finding the right mortgage that meets their needs.

We are the Abbotsford Mortgage Broker of choice for all of your lending needs. As a part of our service proposition, we have designed this website to give you all of the tools you need to make the right decision about your mortgage.