Home Purchases & Related Mortgage Products

Pre-Approvals

Planning on purchasing a home? The first step is to get pre-approved. This will help you get your financing process started, hold an interest rate for up to 120 days and give you a clear picture of your maximum mortgage affordability. I will help you arrange a mortgage that suits your unique needs.

No Downpayment Mortgage Financing

This type of mortgage is designed for the applicant who does not have the capacity to put money down on a purchase of a home immediately. As a home buyer, by gaining ownership, you are now gaining equity in what is most likely your largest and most lucrative investment. There is definite positives in ownership.

Flex Downpayment Mortgage Financing

Recently, CMHC has offered a new program to consumers that allow them to “borrow” their money for the purposes of placing a down payment on a home. The eligibility of the borrowed funds may be found in any of the following areas: personal loans, lines of credit or credit cards. Within this program, you are eligible to receive fully discounted rates from participating lenders.

No Income Qualifier - Self Employed Mortgage Products

These mortgage programs are directed toward the “business for self” individual that cannot prove his or her income through personal income tax documentation or salaried pay. Today’s lenders and mortgage insurers make it easy for the self-employed consumer to obtain mortgage financing. With a minimum amount down, a stated letter of income and proof that you’re business for self, this can be the easiest and fastest way to secure financing, with discounted interest rates.

Poor Credit / Past Bankruptcy Mortgage Products

Today there are more and more lenders offering financing to those who are re-establishing their credit rating. Mortgage financing is available up to 100% / No Downpayment at competitive interest rates.

Cash Back Mortgage Products

These mortgage programs are designed for clients who have a down payment but require extra funds after closing to help with purchasing items such as furniture, appliances etc. Generally, these products are offered by most mortgage lenders.

Rental/Investment Property Mortgage Products

Today it is easier than ever to arrange mortgage financing for Rental/Investment properties. CMHC and participating mortgage lenders offer purchase financing up to 100% / No Downpayment. As well, this can be offered at fully discounted mortgage rates with 40 year mortgage amortizations.

Purchase Plus Improvements

These mortgage programs allow you to purchase a home and add the “improvements” into the mortgage. This is perfect for the situations where a buyer wants to purchase a property, but has home renovations in mind.