Go to Top

Our Team

Our Team of Mortgage Experts

Meet your Niagara Home Experts! Our mortgage consultants are a select group of VERICO House of Mortgage Experts (H.O.M.E) who are here to work for you. 

Your Niagara HOME Experts will work to provide you with the advice and support you need to bring home the most competitive mortgage package designed just for you. It is our commitment to offer you exceptional service and advice, so it easier for you to find the best possible mortgage.

Our team offers a level of specialized knowledge and service that far exceeds traditional lending experiences. We can recommend mortgages from a variety of different sources and shop every available lender to help find you the best possible terms and rates.

Multilingual Team in languages that include English, French, Italian, and Serbian

Value Added Skills that include Financial Management, Construction, and Real Estate 

There is a good reason why your Niagara HOME Team is the right choice when looking for a mortgage.  Your goal for the best mortgage is our goal too!  Let’s bring it home together.


Irma Sebastiano 

I am excited to have Carmine join my Team at Home Mortgage Experts.  We are members of Verico House of Mortgage Experts, and will work to find the best solution for your mortgage needs.  Give us a call today!   More about Irma Sebastiano >


Carmine Mancini

Carmine was born and raised in Niagara Falls and is a graduate of Brock University.  Prior to becoming a mortgage agent, Carmine spent several years working in the financial, sales, and building products manufacturing industries.  It was through his work experiences that he learned to understand the importance of a great work ethic, building business relationships through honesty and reliability, and providing superior product selection and service.

As a mortgage agent, integrity and honesty are the cornerstones of Carmine’s business.  He is dedicated to properly assessing the needs of his clients, protecting their interests, and providing suitable solutions to help them attain personal and financial independence.  Carmine has experience in helping first-time homebuyers, home refinances, construction mortgages, and investment lending.  He looks forward to continuing to meet and exceed his clients’ expectations.