8Twelve Mortgage US
About 8Twelve

We're rebuilding the mortgage from the borrower in.

8Twelve is a licensed mortgage brokerage pairing modern technology with senior brokers who actually pick up the phone. We believe a great mortgage feels invisible — fast decisions, fair pricing, and zero anxiety at signing.

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Our mission

Make the biggest financial decision of your life feel like the easiest.

Clarity over jargon
No surprise fees, no decoder ring required. Every number has a plain-English explanation.
Speed with substance
Pre-approvals in hours, not days — your file shopped to the lenders most likely to say yes, fast.
Humans on call
A senior mortgage broker assigned to you on day one. Same name, same number, every step.
Trust by default
Bank-level security, transparent pricing, and disclosures you can read in under five minutes.
Why 8Twelve

A different kind of brokerage.

We don't make loans — we shop dozens of lenders to find the right one for you, then ride the file to closing.

Modern
Apply on your phone in minutes. Upload docs by photo. Sign closing papers from the couch.
Personal
One broker, start to finish. They know your name, your timeline, and your goals.
Honest
Real rates, real fees, in writing — before you ever share a social security number.
Meet the team

The brokers behind your loan.

Senior mortgage brokers, operations pros, and partnership leads — all with one job: getting you to the closing table without drama.

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Gary Fooks
Gary Fooks
Mortgage Loan Originator

Helping borrowers navigate the path to homeownership with clarity and care.

NMLS #2819335
Ronen Fishman
Ronen Fishman
Control Person & Loan Officer

Oversees compliance and originations — committed to clean files and fast closings.

NMLS #2551923
Fabian Vargas
Fabian Vargas
Mortgage Loan Originator

Bilingual broker dedicated to making the mortgage process simple and stress-free.

NMLS #2708139
Our story

Born from a simple frustration.

Our founders had closed hundreds of mortgages — and watched smart, qualified buyers drown in paperwork, vague rate quotes, and unreturned calls. So they built the brokerage they wished existed: software that does the heavy lifting and a human who answers when you have a question at 9pm on a Tuesday.

Today we serve borrowers and the partners who refer them — realtors, builders, and financial planners — with one promise: the cleanest path from application to keys.

  1. 2018
    Founded
    Started by mortgage and fintech veterans tired of one-lender quotes and week-long approvals.
  2. 2021
    Tech rebuild in Canada
    Launched our lender-matching engine — instantly compare offers from 50+ wholesale lenders.
  3. 2023
    Partner network
    Co-brand platform launched. Realtors close deals 30% faster with our brokers in their corner.
  4. 2026
    Expanded to USA
    Expanded our brokerage services across the United States, bringing modern mortgage solutions to borrowers nationwide.

Ready when you are.

Get a real rate and a real human in under three minutes. No credit pull required to start.

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