Let's break this down. Ho Marcus has over 20 years of experience as an Underwriter at TD Bank Group, which is a significant factor in determining his rate. His expertise in Mortgage Lending, Residential Mortgages, Refinance, Underwriting, and Banking suggests he's in a specialized field with moderate to high demand. Based in Vaughan, Ontario, Canada, the cost of living and market rates are relatively high. Typically, senior mortgage underwriters or those with extensive experience in Canada can charge hourly rates ranging from $100 to $200. Given his experience and skillset, a rate of around $120 per hour seems reasonable.