What type of Mortgage do you need?

• Refinance with bad credit

• Purchases with bad credit

• 2nd mortgage and equity take out

• CRA tax arrears and liens

• Property tax solutions

• Spousal buy out situations

• Mortgage Arrears

• Private financing solutions

Testimonials

Testimonial 1

““Aldo was an absolute gift that was sent to us by God and we thank God for sending us the right person at the right time. Since we have tried almost a year with different banks, and brokers to get us a 1st mortgage to cover our all our debts. But every time we always get disappointment answers from the bank and Lenders. …. The next day….. He worked hard to get us a 1st mortgage to pay off arrears. Also paid our consumer proposal, property taxes, and provided extra funds. He was always available whenever I had questions and timely in his response. Aldo’s professionalism, thoughtful, great attitude and honesty is a pleasure to work with. I would recommend him to anyone. He is a person who cares for you with all his heart and he never stops until he finds an answer for you. Because of your endless efforts, we actually have a future and new beginning again in our life again. Thank you very much for your caring and support during the entire time…….**** Jeya & Thasan” “

Testimonial 2

– replaced an 8% first and 12% 2nd and provided 30k for home renovations.

“Your attention to the details of this mortgage has been superior. I would like to say thank you from the bottom of my heart. This has been so stressful for me from the beginning and now at least I feel we are closer to a settlement. This note is to show respect and demonstrate our appreciation.”  This has put my heart at rest. Thank you.  Tracy and Arthur

Testimonial 3

New 1st mortgage – mortgage arrears –

Thank you for helping in restoring my mortgage. You found a way to pay off the arrears, pay property taxes, and provide extra funds.  I enjoyed working with you, and your service is impeccable and professional.   Because of this, certainly I do not hesitate to refer friends and family to you.  Rebecca

– replaced an 8% first and 12% 2nd and provided 30k for home renovations.

FAQs – Mortgage News and Updates

Who can use this site?

This site services borrowers that bad or challenged credit.  Furthermoe also for borrowers who have excellent credit and would like an experienced professional to look after them.

Who are your lenders?

Our lenders are mainstream A lenders with broker discounted mortgage rates and pricing.  Also, we have niche lenders who are focused on proving mortgages for borrowers with bad credit.  These latter lenders are often referred to as ” Alternative Lenders”  or ” B Lenders”.   Finally, our private funding sources help in situations where it cannot be done at all institutionally.

New Stress Test effective November 30th  2016

Buying a home with less than 20% will mean passing the new Government’s stress test.  Find out more how it may affect you…. read more

Rental Properties changes

Rental properties now require a down payment of 20% down.  For mortgage information please read the rental property guideline.

Alternative B lending Guidelines

Alternative or B lending are special mortgage solutions focused on borrowers that do not meet mainstream criteria.  Borrowers that may have failed the new stress test, or borrowers who are previous bankruptcies and have not re-established credit.  Also, borrowers that have credit impediments; late payment histories, collections, tax arrears,  and generally lower credit scores.  For more information on alternative mortgages read here.  For a rate pricing guideline and rates read here.