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Three ways I can help
Pick the path that fits where you are today.
United States
Mortgages in the US
Whether you're buying, refinancing, or partnering with 8Twelve to grow your own mortgage practice — start here.
Get StartedCanada
Mortgages in Canada
Residential mortgages, refinancing, and broker partnerships across Canada with 8Twelve's lending platform.
Get StartedInvestors
8Twelve Growth Fund
Invest in the 8Twelve Real Property Secured Debt Fund — first-position residential mortgages with stable monthly income.
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Nice to meet you
I'm Gary Fooks.
My career began on Bay Street followed by Wall Street, learning that markets reward discipline, conviction, and an obsession with serving clients. I carried that mindset into the mortgage industry over a decade ago.
Today I'm CEO of 8Twelve Mortgage US and 8Twelve Mortgage Canada, building one of North America's most integrated mortgage and investment platforms: $1.5B annually in mortgage volume originated, administered and growing.
I'm also a fitness enthusiast. The same daily reps that build a stronger body build a stronger business: small commitments, compounded.
Whether you need a mortgage, want to partner with our platform, or are looking for steady real-estate-backed returns, I'd love to help.
Fitness Enthusiast
Daily training is my reset button. It sharpens focus and stamina for everything else.
Mortgage Expert
Over a decade originating, structuring, and scaling residential lending across two countries.
Investor & Operator
From Bay Street and Wall Street to building a real-estate-backed debt fund: capital that compounds.
"Gary brings rare combination of financial acumen and operator's instinct. He builds teams that deliver, period."
"Few people understand the mortgage business top-to-bottom the way Gary does — origination, capital, technology."
"Whether it was my mortgage or introducing me to the fund, Gary made it simple and showed up like a true partner."
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Companies we've built, scaled, and lead today
