Our Team

Stefan McMillan began working as a licensed mortgage agent in 2017. His journey of becoming a successful mortgage agent in the industry is not an overnight story. His father, Raymond McMillan, is a veteran mortgage professional with over 25 years’ experience in the industry. The office, which is nestled in the Meadowvale area of Mississauga, is where an adolescent Stefan, who is naturally observant of his surroundings, soaked in the mortgage brokering environment during visits to his dad’s office.

Stefan McMillan has managed to move the family mortgage legacy to new heights with accolades including being awarded the Top Producing Broker awards every year since 2018, as well as the 2020 CMP Rising Star Recognition for Achievement. Stefan has an uncanny ability to analyse each client’s situation and to simplify a tailored solution so they may reach their individual mortgage need and financial goal.

During his time away from the office, Stefan enjoys cycling around his neighbourhood. He is also a connoisseur of exclusive collectible items and enjoys spending time with family and close friends.

Raymond and Stefan McMillan are a father‑and‑son team with more than 40 years of combined experience in mortgage brokering. The McMillan Group was originally founded in 1994 by Raymond, who built a reputation for trusted guidance and deep industry expertise. In 2015, Stefan joined his father in the business, bringing fresh perspective and energy. Together, they have continued to expand the consultancy, strengthening their legacy of personalized, client‑focused mortgage solutions.

Raymond McMillan is a Mortgage Professional and Real Estate Investor who has been actively involved in the investment, banking, and lending industry since 1994.

After graduating from the University of Guyana with a degree in Geography and Economics with a focus on urban studies and demography, Raymond migrated to Canada in 1989.

  After more than 25 years building and leading a successful mortgage brokerage in Toronto, I relocated to Jacksonville, Florida to begin a new chapter — one focused on strategic advisory, cross‑border real estate consulting, and helping investors and industry professionals navigate complex, evolving markets.
My career has been shaped by a simple principle: clarity creates opportunity.
Whether guiding clients through financing structures, evaluating investment opportunities, or helping brokers scale their operations, I’ve always believed that informed strategy leads to better decisions, stronger portfolios, and long‑term success.
Today, I bring a unique blend of experience to the U.S. Northeast and emerging markets like Guyana:
* 25+ years of mortgage brokerage leadership
* Deep expertise in real estate finance and deal structuring
* Cross‑border insight spanning Canada, the U.S., and the Caribbean/South America
* Hands‑on experience building and scaling client‑focused businesses
* A strategic, steady approach shaped by multiple market cycles
I work with real estate investors, brokers, developers, and private lenders who want to grow with confidence — especially those entering new markets or navigating unfamiliar financing environments. My focus is on delivering practical, strategic guidance that reduces risk, accelerates growth, and unlocks opportunities others often overlook.
This chapter of my career is about impact and legacy:
helping people make smarter decisions, supporting the next generation of industry leaders, and contributing to the modernization of real estate and mortgage markets across borders.
If you’re exploring opportunities in the Northeast Florida, Canada or Guyana and the Caribbean considering investments in emerging markets, or looking for seasoned guidance in real estate finance, I’m always open to a conversation.