“Un-Bank-like” That’s how we do things. In the world of mortgages, common sense has become surprisingly uncommon. With 20 years of experience in lending, we understand what works best for our clients – and where to go to get the BEST deal. We are all human and we have all experienced significant life events. Rooted in expert service and human connections, we pride ourselves on creating tailored solutions. Our office can see beyond the paperwork, understand the situation and package the stories in a way that Lenders are scrambling to lend money!
Call us today to find out what we can do for your clients.
Credit issues:
• Consumer Proposal / Bankruptcy discharged 1 day
• Can Pay out Proposals, CRA, Judgements, Collections, Property Taxes with Proceeds of loan
• Limited Credit History: Alternate credit is acceptable via 12 months of bank statements showing rent or mortgage paid, along with alternate trades (no re -established credit on bureau required
• Bankruptcy / proposal documents required upfront: List of creditors, Statement of Affairs, Discharge Certificate
• Remaining in Consumer Proposal, Double bankruptcies & property involved – Private investors available
Income Verification Issues:
• Universal child care benefit
• Child tax credit
• Alimony/child support
• Foster Care
• Bank Stmt deposits
• Rental Offsets / Add Backs for suites of 100%
• Extended debt service ratios from 44%-60%