Our team is made up of dedicated mortgage professionals who combine market expertise with a strong commitment to client success. With a deep understanding of lending products and personalized financial strategies, we deliver tailored solutions for every type of borrower. Whether you're purchasing, refinancing, or investing, our collaborative approach ensures responsive service, expert advice, and trusted guidance—every step of the way.


Shantz



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Da Silva


















"You don’t need to have it all figured out; but you need a plan, the right people in your corner, the guts to take action, and the willpower to remain consistent. That’s how dreams become reality."
(416) 655-1758
With nearly 2 decades of experience in the mortgage industry, Matthew Shantz leads the Funding Toronto team at Dominion Lending Centres FC Funding. His journey began with a passion for real estate investing and evolved into a mission to elevate client outcomes through education, transparency, and personalized guidance.
Matthew isn’t just a broker—he’s an architect of opportunity. Whether helping first-time buyers qualify for their dream homes, advising seasoned investors on complex financing structures, or mentoring up-and-coming mortgage professionals, Matthew offers solutions that exceed expectations.
Matthew specializes in a variety of mortgage services, including:
First-time homebuyer mortgages
Construction Financing
Investment property financing
Debt consolidation
Reverse mortgages
His expertise allows him to navigate complex financial scenarios, providing clients with optimal mortgage solutions.
I’ve worked on every side of this business — underwriting, sales, leadership, and brokering. I know what it takes to get deals done and am fortunate to teach others to do the same. Mortgages don’t need to be complicated — I make them make sense.


"If the deal makes sense, I’ll make it happen—no matter how complex."
(647) 929-3293 ( Canada )
(786) 717-8005 ( US )
Michael Solomon is recognized as one of Canada’s leading voices in private lending strategies. Formerly the Principal Broker of Dominion Lending Centres Better Rate Mortgage, he earned a reputation for closing deals that others couldn’t.
Now with Dominion Lending Centres FC Funding, Michael brings unmatched expertise to high-value, high-complexity financing. From structuring multi-million-dollar private loans to orchestrating seamless U.S. property purchases for Canadian investors, his solutions are strategic, fast, and built to win. Agents and clients alike turn to Michael for his sharp insight, expansive network, and ability to get the job done under any circumstances.
Private mortgages for residential & commercial properties
Cross-border financing (Canada ↔ USA)
Investor lending & complex income structuring
Fast-close, high-stakes transactions
Michael also works directly with private investors seeking strong, secured returns. With his track record in high-quality deal sourcing, rigorous due diligence, and risk-managed lending structures, he connects investors with opportunities that deliver both safety and profitability.


Jenn Locke, Hons BCom, is a licensed mortgage broker with Dominion Lending Centre's FC Funding, holding Originator License #M17003032. With over 8 years of experience in the mortgage industry, she has been providing clients with expert advice and tailored mortgage solutions.
"Mortgages can be complicated—my job is to make them feel simple, so you can focus on the joy of coming home."
208 St Andrew St W, Fergus, ON N1M 1N7, Canada
Jenn Locke is an award-winning mortgage professional and the top-performing broker on the Dominion Lending Centres FC Funding, Toronto Team. She’s dedicated to simplifying the mortgage journey—making financing clear, confident, and client-focused.
With deep-rooted connections in Toronto’s vibrant King West community, where she lived and worked for many years, Jenn has a first-hand understanding of the priorities of urban buyers, investors, and professionals. After relocating to Fergus, Ontario, she expanded her business to cover both the Greater Toronto Area and Centre Wellington, offering clients the rare benefit of expertise in both city and small-town markets.
Jenn’s unique perspective makes her an invaluable partner for those transitioning from urban to suburban living—guiding clients through every step of relocation, from selling in competitive downtown markets to securing the perfect suburban or rural property.
She works with over 145 lending institutions, including major banks, credit unions, and trust companies, ensuring clients receive the most competitive and tailored financing solutions. Her exceptional service has been recognized with the 2023 and 2024 Reader Favourites awards from EloraFergus Today.
Jenn specializes in a wide range of mortgage services, including:
First-time homebuyer programs
Mortgage renewals & refinancing
Home equity loans & debt consolidation
Self-employed borrower solutions
Mortgage life insurance & protection plans
Urban-to-suburban relocation strategies

“In this business, consistency wins. Keep learning, keep improving, keep moving.”
Dawn’s passion comes through in the way she shows up for clients and new agents every day. For her, passion isn’t about big statements — it’s about steady commitment, genuine care, and doing the work the right way. She’s driven by helping people make informed decisions and by supporting others as they grow, learn, and build confidence in their own path.
Mortgage Broker, Dominion Lending Centres FC Funding
With more than 25 years of mortgage brokering experience, Dawn Shantz brings a steady, knowledgeable presence to the FC Funding team. Known by lenders and colleagues for her reliability and thorough approach, she has built a reputation rooted in consistent, high-quality work.
During her time as Vice President of Operations, Dawn played a key role in supporting the growth and structure of FC Funding, helping shape many of the systems and processes the team relies on today.
Now, Dawn has shifted her focus toward supporting and mentoring new agents, helping them navigate the industry, build their skills, and gain confidence in their own businesses. Her style is practical, patient, and grounded in real experience — offering guidance that helps new brokers grow at a sustainable pace.
Dawn remains an important resource for both the team and the clients she serves, contributing her experience wherever it creates the most value.
First Time Homebuyers
Debt Consolidation and Credit Repair
Business for Self
Private Mortgages
Private Investor Set-Up


"Give me a call… I think you’ll be pleasantly surprised"
Nicole's passion for helping others and her extensive industry knowledge make her an invaluable resource for anyone seeking mortgage services. Whether you are a first-time home-buyer or a seasoned farmer looking to expand your business, Nicole has the expertise and dedication to assist you in achieving your goals
Nicole is a highly skilled mortgage agent with a wealth of experience and knowledge in the construction, development, and agricultural sectors. Growing up in a rural area surrounded by agricultural lands and currently residing on a 50-acre farm with her family, she has developed a deep appreciation for the agricultural community. Nicole's unique background in the construction and development industry, coupled with her personal experience in the agricultural sector, gives her a distinct perspective on the needs of her clients. She understands the challenges that can arise when it comes to securing financing for rural properties, agricultural ventures, commercial businesses, and industrial projects. Nicole is dedicated to finding tailored solutions that meet the specific needs of her clients.



"We work for you; we match the best lender for your mortgage needs. Our services are paid for by the banks, not our clients."

Gabriel is deeply committed to elevating the mortgage experience beyond traditional banking limitations. He believes in providing clients with a wealth of options, competitive rates, and expert guidance to navigate even the most challenging deals effortlessly. His mission extends beyond business; he actively supports local charities, including the Red Cross, Ronald McDonald House, Pancreatic Cancer Research, and the Food Bank, reflecting his dedication to making a positive impact in the community.
Gabriel Da Silva is a seasoned Mortgage Agent Level 2 with Dominion Lending Centre's FC Funding, holding Originator License #M20000815. With years of dedicated experience in the mortgage industry, Gabriel has established himself as a leading figure in Canada's mortgage brokerage landscape. In 2024 alone, his team successfully funded over 5,020 mortgages, surpassing an impressive $2.2 billion in mortgage volume.
Gabriel specializes in tailoring mortgage solutions to fit the unique needs of each client. Whether you're a first-time homebuyer, a savvy real estate investor, or a business owner, he offers personalized services that cater to your specific financial goals. With access to an extensive network of 145 lenders, Gabriel ensures clients receive the best possible mortgage options available.
"We work for you; we match the best lender for your mortgage needs. Our services are paid for by the banks, not our clients."


As a highly skilled and experienced mortgage agent, I have a proven track record of helping clients navigate the complex world of home financing. With a deep understanding of the industry and a commitment to providing exceptional customer service, I am able to assist clients in finding the best mortgage options to suit their specific needs and goals. Whether you're a first-time home buyer or looking to refinance your current mortgage, I have the expertise and resources to help you achieve your dream of home ownership. I also work closely with self employed and investor clients to ensure they achieve their goals and build together as a team!
Conventional Loans: Traditional mortgage loans with fixed or adjustable interest rates and down payment requirements.
FHA Loans: Backed by the Federal Housing Administration, these loans offer low down payment options and flexible qualification criteria.
Fixed-Rate Mortgages: These loans have a consistent interest rate throughout the loan term, providing stability in monthly payments.
First-Time Homebuyer Programs: Assistance, grants, or low-interest loans specifically designed to help first-time homebuyers overcome financial barriers.
Renovation Loans: Loans that provide financing for purchasing a home and making renovations or repairs. Many more options available for people with specific needs. There is a mortgage product out there for everyone.


Hi, I'm Tori Kozma, a Mortgage Agent with the FC Funding team. I hold a diploma in Advertising and Marketing Communications and began my marketing career at a real estate brokerage. Later, I transitioned to a mortgage brokerage and earned my mortgage agent license. As a mortgage agent, I am passionate about helping people improve their financial situations and break free from the cycle of debt.
Outside of work, I’m a proud mom to five fur babies: Waffle, Toast, Seco, Chia, and Toffee. In the evenings, you'll find me binge-watching Netflix, enjoying a good book, or sewing.
I recognize that our clients are our most valuable asset, and I am dedicated to going above and beyond to support our team in delivering exceptional customer service and navigating the complexities of the mortgage landscape.









Aside from mortgages I spend my free time hanging out with family, travelling, and playing sports. You can also catch me at a cocktail bar or rooftop patio occasionally. I’m available 7 days a week to assist with any mortgage needs or questions.
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