Nicolas Cloutier
Mortgage broker

Discover excellence in mortgage financing with personalized service and unmatched expertise.
Real estate has always fascinated me. Not just for the numbers, but for what it makes possible: building wealth, improving quality of life, and dreaming bigger. As a CPA at KPMG in 2007, I launched Recto Development in 2009. Since then, I have completed flips, developments, and residential and commercial real estate projects, while structuring real estate financing from $500K to $26M. Trained as a CPA, with a strong command of financial models and tax structures, I am above all a hands-on real estate entrepreneur. Today, I put that experience to work for those who want to invest, buy, or refinance strategically. I don’t sell rates: I build aligned financing plans!
Real estate has always fascinated me. Not just for the numbers, but for what it makes possible: building wealth, improving quality of life, and dreaming bigger. As a CPA at KPMG in 2007, I launched Recto Development in 2009. Since then, I have completed flips, developments, and residential and commercial real estate projects, while structuring real estate financing from $500K to $26M. Trained as a CPA, with a strong command of financial models and tax structures, I am above all a hands-on real estate entrepreneur. Today, I put that experience to work for those who want to invest, buy, or refinance strategically. I don’t sell rates: I build aligned financing plans!
Real estate has always fascinated me. Not just for the numbers, but for what it makes possible: building wealth, improving quality of life, and dreaming bigger. As a CPA at KPMG in 2007, I launched Recto Development in 2009. Since then, I have completed flips, developments, and residential and commercial real estate projects, while structuring real estate financing from $500K to $26M. Trained as a CPA, with a strong command of financial models and tax structures, I am above all a hands-on real estate entrepreneur. Today, I put that experience to work for those who want to invest, buy, or refinance strategically. I don’t sell rates: I build aligned financing plans!
Real estate has always fascinated me. Not just for the numbers, but for what it makes possible: building wealth, improving quality of life, and dreaming bigger. As a CPA at KPMG in 2007, I launched Recto Development in 2009. Since then, I have completed flips, developments, and residential and commercial real estate projects, while structuring real estate financing from $500K to $26M. Trained as a CPA, with a strong command of financial models and tax structures, I am above all a hands-on real estate entrepreneur. Today, I put that experience to work for those who want to invest, buy, or refinance strategically. I don’t sell rates: I build aligned financing plans!
Info
JA Hypothèques goes beyond a simple mortgage brokerage. We are your trusted partner in the complex world of real estate financing.
CONTACT
Our email:
Our address:
3135 Moïse-Vincent Blvd., Suite 204, Saint-Hubert, QC, J3Z 0G7
Our number:
©
2026
JA Mortgages — Mortgage Brokerage
en
fr
Info
JA Hypothèques goes beyond a simple mortgage brokerage. We are your trusted partner in the complex world of real estate financing.
CONTACT
Our email:
Our address:
3135 Moïse-Vincent Blvd., Suite 204, Saint-Hubert, QC, J3Z 0G7
Our number:
©
2026
JA Mortgages — Mortgage Brokerage
en
fr
Info
JA Hypothèques goes beyond a simple mortgage brokerage. We are your trusted partner in the complex world of real estate financing.
CONTACT
Our email:
Our address:
3135 Moïse-Vincent Blvd., Suite 204, Saint-Hubert, QC, J3Z 0G7
Our number:
©
2026
JA Mortgages
en
fr
Info
JA Hypothèques goes beyond a simple mortgage brokerage. We are your trusted partner in the complex world of real estate financing.
CONTACT
Our email:
Our address:
3135 Moïse-Vincent Blvd., Suite 204, Saint-Hubert, QC, J3Z 0G7
Our number:
©
2026
JA Mortgages — Mortgage Brokerage
en
fr