Last Updated: April 1, 2026
Mortgage services referenced on this website are provided only in jurisdictions where applicable licensing or regulatory authorization has been obtained. This website does not constitute a mortgage application, lender commitment, or guarantee of financing.
Canada Mortgage Services
In Canada, mortgage services are provided through Legacy Mortgage Group. Harmeet Sehmby is authorized to provide mortgage services in:
Mortgage services in Canada are subject to provincial mortgage brokerage regulations, lender qualification requirements, and applicable Canadian laws. Mortgage approvals, products, and rates remain subject to lender underwriting and qualification.
U.S. Mortgage Services
In the United States, mortgage services are provided through Loan Factory Inc. Harmeet Sehmby is a licensed Mortgage Loan Originator (MLO) in Washington State. NMLS #2652394. Loan Factory Inc. NMLS #320841.
Mortgage services in the United States are subject to federal lending regulations, state licensing requirements, lender approval, and underwriting guidelines. Mortgage approvals, rates, and loan programs may vary by lender and borrower qualification.
Separate Canada and U.S. Mortgage Services
Mortgage services offered in Canada and the United States operate independently. A mortgage inquiry or transaction in one jurisdiction does not create any obligation to obtain services in the other jurisdiction.
Jurisdiction and Service Limitation
Mortgage services are offered only in jurisdictions where licensing, registration, or regulatory authorization applies. Nothing on this website constitutes:
Users accessing this website from other jurisdictions should not interpret website content as an offer of mortgage services where such services are not legally authorized.
Contact Information
Harmeet Sehmby
Email: info@harmeetsehmby.com
We support Equal Housing Opportunity