SPECIAL PRODUCTS

Self-employed programs

Despite good credit ratings, entrepreneurs often have a difficult time obtaining a mortgage approval because the lender’s approval formulas and score cards can work against them.
Often, they have insufficient confirmation of their income to satisfy the lender.
At times, a common sense approach must be taken to evaluate their ability to repay.
We have the experience and the products to help!

Purchase a home with "No Down Payment"

Home purchases with "No Down Payment" have been possible in the U.S. for some time now, but until recently they were unavailable in Canada.
If you have an established credit rating, can demonstrate stable employment and are purchasing a marketable home in good repair, we can show you ways to purchase a home with no down payment.

Debt Consolidation

We have access to products that will allow you to borrow up to 90% or even 100% of your home’s full market value. Put your home to work for you!
You can have more money in your pocket each month by consolidating your existing debts into one new mortgage with one lower monthly payment.
You can pay off higher interest rate loans and credit cards, as well as take advantage of today’s lower mortgage rates.
Afterwards, if your monthly cash flow improves or you come into an unexpected cash windfall, you can always choose to apply extra payments and help retire your mortgage early. We can show you how!

Impaired credit rating programs

Former bankrupts need a fresh start, and we can help.
Applicants with explainable credit problems need guidance to turn things around. We can help.
If you can demonstrate your intention and ability to repay, we can try to find ways to get you back on the right path.
We will be there with you throughout the entire process of re-establishing your credit and returning you to a good credit rating.

Home equity loans

We have access to mortgages that will give you access to 90% and even 100% of your home’s full market value, for any worthwhile purpose.
This could be things like borrowing for your children’s education, investment opportunities, home renovations, and more.

Refinancing exiting mortgage(s)

Do you currently have a first and second mortgage? We can combine them both into one mortgage, often at a more favorable rate and with one low monthly payment.

» Set up an appointment to discuss this new opportunity.

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The Mortgage Doctor is in...

Low rates are just the beginning...

Call 905-828-7999