We understand that everyone has a unique lifestyle, and we believe your mortgage financing should be just as unique.
With increased flexibility in lenders and options, gone are the days of the "one size fits all" mortgage. We're here to investigate your options, and provide advice based on our years of industry experience.
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Got Credit Issues?
Owning your own home doesn't have to be a dream. Your Canadian credit rating is an important factor when applying for a mortgage loan. Don't know your Credit Score? Contact Ryan today for a FREE Pre-Qualification appointment and credit consultation! Generally speaking, the better your rating, the more options you may have available to you.
However, a less than perfect credit rating doesn't always have to mean the difference between owning and not owning a home. While financing may be more difficult to secure, I am extremely familiar with many types of financing, and have worked with individuals with all types of credit backgrounds.
By sitting down together and discussing your current financial situation, you may be pleasantly surprised that owning your own home isn't out of your reach. Our goal is to help you achieve your dream of home ownership, through whichever solutions are right for you.
INCOME ISSUES
Good credit score but unable to verify your income?
Unverifiable income isn't always an obstacle to home ownership. Whether you're a stay at home parent, self employed, or have unverifiable income, I may be able to help you find financing to purchase a home.
Even if you've been turned down by your bank or other lenders, I am here to help and may be able to help you achieve your dream of home ownership. We'll sit down together and discuss your current situation. Then we'll shop your mortgage to a number of Canadian lenders, many of which you're probably already familiar with. We also have access to mortgage lenders that deal only with mortgage specialists which you may not otherwise have access to.
Our goal is to help find you financing for your home purchase, regardless of your income source. Give me a call today, you may be pleasantly surprised by the options available to you.
What is a Second Mortgage And Is It Right For Me?
As the equity in your home builds, so does the opportunity for you to leverage that equity by taking out a second or third mortgage on your property.
Second or third mortgages can be used to consolidate outstanding debt from other sources, renovate your home, pay for your child's education, or any number of choices. In most cases, the rate of interest on an additional mortgage can be lower than borrowing on a credit card, potentially saving you a lot of money in the long run. What's more, a second or third mortgage may provide you with more time to repay the loan, giving you added flexibility.
Another major benefit of a second mortgage is that you will be able to avoid early payout penalties and fees with regards to your first mortgage. Depending on your situation, this could mean a savings of thousands of dollars!
If you're considering taking out an additional mortgage on your home, give me a call and I would be happy to get together and discuss your unique financing needs. After researching your options, we'll provide you with the information you need to make a sound decision.
Having problems securing a mortgage? You're not alone. There are many reasons why someone may fall outside of the borrowing guidelines of institutional lenders.
Whether you have less than perfect credit, a reduced income, or a life event that has impacted your current financial situation, a private mortgage may be an option for you. Comprised of Alternative lenders such as Mortgage Investment Corporations, and other private sources of funding, this can open the doors of possibility to homeownership.
We'll sit down with you and discuss your current situation, and we'll look into financing options that may be suited to your needs.
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