Managing partner

Tribe Financial Group

After spending two decades working in mortgage financing for a chartered bank, Frances Hinojosa decided it was time to become a mortgage agent. “I felt an urge to help Canadians navigate the winding path toward homeownership and to help a market where borrowers were underserved,” she says. “I felt something had been missing from the mortgage industry.”

For Hinojosa, that “something missing” was the fact that new agents weren’t receiving adequate training, resulting in a steep dropout rate. To change this, she co-founded Tribe Financial in 2016 and instituted an internship program where participants shadow Hinojosa and her partners. “We make ourselves available every day,” she says. “We sit down and coach them [on] how to guide the process through not only numbers, but emotion and empathy.”

Outside of her brokerage, Hinojosa is an active member of the Ontario chapter of Mortgage Professionals Canada; an advisory board member at Home Trust, Teranet and Lendesk; a founder and board member of Luxury Home Mortgage Advisor; and a board member of 100 Brokers Who Care.