Jeremy Kresky — Agricultural & Commercial Mortgage Agent in Windsor, Ontario

Agricultural & Rural Property Mortgages

Jeremy helps farmers, acreage buyers, and rural property owners secure financing when standard residential lenders say no. From ag-zoned land and mixed-use farms to large-acreage properties that need Farm Credit Canada or specialized rural lenders, he structures deals based on how agricultural income is actually assessed. Explore farm mortgages or read the farm mortgage basics guide.

Commercial Mortgage Financing

For office, retail, industrial, and investment properties in Windsor, Essex County, and across Canada, Jeremy matches borrowers with lenders who understand commercial debt service, mixed-use properties, and non-standard asset classes. View commercial mortgage options or the commercial mortgage guide.

Why Work With Jeremy

Jeremy Kresky brings over a decade of experience in both agricultural and commercial finance. His career began at a major Canadian bank as an Agriculture Account Manager and Credit Underwriter, assisting farmers and agribusiness clients with non-conventional financing needs. He subsequently spent eight-plus years at a regional credit union building client relationships and guiding individuals through complex financial decisions.

Unlike most agents focusing solely on residential or traditional commercial work, Jeremy bridges specialized lending areas — giving clients in Windsor and Southwestern Ontario a perspective that's invaluable and rarely found in a single advisor.

Specialties & Resources

• Farm & agribusiness mortgages Land purchases, expansions, and refinancing for Ontario farmers.
• Commercial property financing Office, retail, industrial, and investment property loans.
• Agricultural land loans Acreage, rural properties, and ag-zoned land.
• Farm mortgage basics (guide) How agricultural lenders assess farm financing applications.
• Farm Credit Canada programs When FCC is the right fit for large-acreage and working farms.
• Commercial mortgage basics Rates, DSCR, down payment, and approval timelines.

Education

Jeremy holds a Bachelor of Commerce in Agricultural Business and Management from the University of Guelph — specialized knowledge that most mortgage professionals simply don't have.

Professional Approach

Jeremy's approach emphasizes tailored solutions over standardized methods. He interprets market data, assesses risk strategically, and structures financing that addresses your specific circumstances and long-term objectives — whether that's farmland, rural properties, commercial operations, or residential real estate.

He prioritizes education and informed decision-making rather than simply processing transactions. His goal is to make sure you understand your options, not just sign paperwork.

Community Involvement

Jeremy has volunteered for over a decade as a Big Brother with Big Brothers Big Sisters of Canada and as a Dairy Club Leader with 4-H Canada, mentoring youth in agricultural education. That same mentorship philosophy carries directly into his client relationships.

Service Area

Based in Windsor, Jeremy serves clients across Southwestern Ontario, Canada, and the United States — wherever agriculture, business, and real estate intersect.

Frequently Asked Questions

Can I get a mortgage on agricultural-zoned land in Ontario?

Yes. Many residential and agricultural lenders finance homes and mixed-use properties on agricultural-zoned land, especially when the property includes a residential component. Larger acreage or working farms may require Farm Credit Canada or specialized rural lenders. Jeremy helps match your property to the right program.

What is the difference between a farm mortgage and a residential mortgage?

Residential mortgages typically cap land acreage and use standard income verification. Farm mortgages assess operating income, land productivity, quota values, and seasonal cash flow. Down payments are often 20–35%, and lenders may require farm business plans or appraisals that reflect agricultural use.

Do you finance commercial properties in Windsor and Essex County?

Yes. Jeremy works with clients across Windsor, Essex County, and Southwestern Ontario on office, retail, industrial, and mixed-use commercial financing — as well as investment properties across Canada and the United States.

How much down payment do I need for acreage or rural property?

Properties under 5 acres often qualify for residential-style programs with 20% down. Between 5 and 15 acres, expect 25–35% down through B lenders or credit unions. Larger farms and specialized operations typically need 25–35% with agricultural or commercial lenders.