Founded in 1996, RFA (Realty Financial Advisors) is a Canadian-owned real estate investment firm grounded in the Commercial and Asset Management segments. RFA and its investment partners are active participants in a wide array of real estate focused portfolios, including debt financing transactions, REITs, retirement homes, and direct investments in office, retail, industrial and multifamily residential properties. Combined, the RFA group of companies have over $65 Billion in assets under management and an additional $25+ Billion in assets under administration.

In 2018, RFA expanded into the residential lending market with the goal of becoming a top broker channel lender. In 2019, RFA accelerated its growth plans through the acquisition of Street Capital Bank and now holds a presence in both the Prime and Alternative lending segments.

RFA’s residential mortgage lending business is operated by RFA Mortgage Corporation and RFA Bank of Canada, a federally regulated Schedule I Bank. RFA Mortgage Corporation specializes in Prime lending (Insured, Insurable, Uninsurable), while RFA Bank of Canada is a balance sheet based Alternative mortgage lender (Alt-A and B lending). Combined, RFA offers mortgage brokers a one-stop shop with our full suite of competitive Prime and Alternative mortgages.

RFA’s strategic vision is to be a long-term leader in the residential lending segment by offering a value proposition beyond just rate and compensation. Through building a competitive broker experience and solutions-oriented product suite, RFA’s goal is to be recognized and recommended by our mortgage broker partners, mortgagors, and other strategic partners, for our financing solutions and broker/client experience.

Banking

Commercial Real Estate

Residential

RFA Bank of Canada

Robert Morton

Nicole Kotsifas

Martin Flood

Vince Santacroce

Jason Fidalgo

Derek Arbour

Gregory Hsu

Michele Beke

The Risk Management team at RFA Bank of Canada is responsible for identifying, assessing, and mitigating various financial and operational risks associated with residential lending and investment activities. This team ensures compliance with regulatory standards, develops strategies to minimize financial crimes, and oversees internal audits to safeguard the bank’s assets and reputation. By fostering a risk-aware culture, they support RFA's commitment to providing secure and reliable lending solutions while enhancing the overall broker and client experience.

Risk Management

Leadership Team

Finance and Accounting

Risk Management

About

Team members

Other teams at RFA Bank of Canada

Leadership Team

Finance and Accounting