About Diane Bertolin

Diane along with her team have over 120 years of real estate experience between them all from mortgage lending, to land development, construction, and real estate sales. Diane’s knowledge of economics, her fervent enthusiasm to read everything and her overall desire to help people to become financially independent lead her to this point of building her newest business. She joined the Unimor Capital Corporation team in September of 2016. Diane takes pleasure in helping people get the funds they need to get their dream property, but she also tells you when you cannot afford something. Diane strives to get you, your best mortgage or real estate investment.

Five Hard-Earned Lessons From Winning and Losing in Real Estate 🏗️💼

2026-02-09T15:09:30-05:00By |Commercial Mortgage, Credit, Real Estate Investing|

Real estate has a funny way of humbling even the most confident among us. I’ve had deals that printed money 💰 and others that taught me expensive lessons I didn’t ask for but clearly needed. If you’re building a portfolio, scaling developments, or simply trying to stay sane in shifting markets, here are five principles that have earned their place the hard way. Hope for the best. Plan for the worst. 🛟Optimism is useful. Blind optimism is not.Every property should carry at least six months of mortgage payments in reserve. Markets pivot faster than anyone admits, [...]

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My (Very Unfiltered) Prediction for Commercial Lending in 2026

2026-01-05T12:02:31-05:00By |Commercial Mortgage|

Happy New Year, everyone. And here’s hoping 2026 is a hell of a lot kinder to commercial real estate than the absolute personality test that was 2025. What kind of commercial mortgage agent would I be if I didn’t have a few thoughts on where this market is heading? (A quiet one. And we all know that’s not happening.) So here’s my take which is not economist cosplay, not clickbait. It is just boots-on-the-ground lending reality. The Macro Stuff (a.k.a. the things we pretend we don’t obsess over) Bank of Canada Overnight Rate Currently sitting around [...]

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My Short Term Consulting Package

2025-06-02T13:49:10-04:00By |Commercial Mortgage|

Is Your Deal Stuck? Let’s Unlock It. Creative deal structuring | Private lending insight | Rapid funding strategy 48-hour turnaround available You bring the deal. I bring the clarity. Whether you’re a developer, real estate agent, or broker—sometimes you just need a second set of experienced eyes. I specialize in getting stalled deals moving again. I offer short-term, high-impact consulting support for: - Land & Construction financing - Bridge and Mezzanine Financing - VTB restructuring - Private lending strategy - Deal triage & lender positioning Quick turnaround. Straight answers. No fluff. 🔹 One-hour Zoom or phone [...]

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5 Things Developers Need to Know Before Taking a Land Loan

2025-05-09T10:16:30-04:00By |Commercial Mortgage|

By Diane, Commercial Mortgage Agent   Getting financing for raw land isn't just about the down payment. It's about knowing the terrain — both literal and financial. Land loans are some of real estate's most misunderstood and under-prepared-for financing products. I've seen amazing projects stall, lose months (or money), all because someone assumed the process was simple. Here's what I wish every developer knew before picking up the phone:   Zoning Isn't Just a Checkbox — It's the Whole Playbook The first thing a lender looks at is the zoning. Not your vision. Not your rendering. [...]

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The Six Benefits of Commercial Lending For Real Estate Investors.

2024-07-22T17:25:18-04:00By |Commercial Mortgage, Mortgage Agent|

Benefits of Commercial Lending for Real Estate Investors To borrow or not to borrow on your next commercial deal that is the question. There is a great deal to consider when purchasing a commercial real estate product, such as asset class, cash flow, building condition, tenant quality, vacancies, and commercial financing, to name a few. Today, I want to look at funding for the investor. Here are some of the benefits of a commercial loan. Flexible Loan Terms Explanation: Commercial lenders often offer flexible terms that can be tailored to the borrower's needs. These include options [...]

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10 Tips for Downsizing Your Home

2024-07-09T13:25:27-04:00By |Moving|

  In the 2017 science fiction comedy "Downsizing," a financially struggling married couple, played by Matt Damon and Kristen Wiig, signs up for a process called "downsizing," where they are shrunk down to around 5 inches (13 cm), drastically reducing their cost of living by needing much less space. When Damon’s character wakes up from the process, he discovers that his wife backed out at the last minute over fears of being permanently miniature. Downsizing in the real world has nothing to do with shrinking yourself, but it is still a significant and life-altering decision that [...]

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The Impact of High Interest Rates on the Housing Market

2024-04-26T19:25:34-04:00By |Commercial Mortgage|

In a time when everything seems divisive, from politics to entertainment, the one thing that everyone agrees on is that life has become extremely expensive. The rise in inflation has caused us to see a rise in prices from groceries to housing. The financial challenges extend to the housing market, where many who make a good living and have been approved for a mortgage will label themselves as ‘house poor,’; many millennials or young adults continue to rent due to being priced out of the housing market. The Bank of Canada has not raised rates in [...]

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Tips on Business Financing

2021-01-19T11:24:35-05:00By |Commercial Mortgage|

  When it’s time to grow your business you need options: in other words, you need a mortgage broker in Hamilton, ON. Your competition isn’t going to wait just because you need extra funding; when you need funding, you need it now. Speak with a professional like Diane Bertolin to learn how obtaining financing for your small business can not only help you to scale responsibly and sensibly but the best practices you need to know to get you there. Plan ahead to borrow when the time is just right You may think the time is, [...]

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Top Six Things To Have In Your Commercial Mortgage Package

2019-02-11T15:27:21-05:00By |Commercial Property|

When it’s time to secure a commercial mortgage for that property you’ve been eyeing, you want to go into the process on the right foot. Ensuring that your commercial mortgage package features the necessities is of the upmost importance. It very well could mean the difference between securing a commercial mortgage and being left out in the cold; it will also provide you with leverage to refinance if you’re aiming for a lower interest rate. Keep these six things in mind when putting together an effective commercial mortgage package. Net worth statement A net worth [...]

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With Chaotic Volatility, Should I Be Worried About My Commercial Property?

2019-01-02T14:33:03-05:00By |Commercial Property|

Do you own your own business and constantly worry about the state of our economy as it stands today? What about in a few years from now? While it seems like there are headlines affecting the performance of markets every single day, the truth is that now isn’t the time to worry. True, markets feel much more volatile lately but this is aligned with long-term, traditional norms (more on that in a moment). Let’s take a closer, quick look at what’s happening, what that means for you, and how you should be reacting. In the [...]

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