Specialty Programs
Spousal Buyouts
A divorce or separation are some of the hardest years of anyone’s life. I’ll help you through the process buy out your shared property in a streamlined, stress-free fashion with professional assistance. If you’re in the midst of a divorce or separation, let’s sit down and discover the settlement options available for your joint-ownership home. I’ll help you transition from partial to full ownership with a financing option tailored to you.
Self Employed
As a self-employed individual, it can be challenging to qualify for a mortgage, as the eligibility criteria differ from those required by applicants employed by a third party. As a small business owner, I get it. Traditional lenders will always claim you don’t ‘make enough to qualify’. With clear directives and personalized support, I’ll help you procure all the necessary documentation for approval. I’ll help you prove your self-employed status with the lender of your choice and obtain a loan perfectly matched to your needs as a business owner.
New to Canada
Are you a newcomer to Canada ready to enter the housing market for the first time? Northern Ontario is as beautiful as they come and I can’t wait to welcome you to the area! Explore the numerous incentives available to recent immigrants and allow me to help you determine your eligibility with a comprehensive assessment of your income, assets, and debts. As an individual or family new to the country, I can pair you with a loan with unmatched flexibility and incredibly low-interest rates.
How can I help?
Mortgages
First-Time Home Buyers
Are you considering buying your first home? I was in your shoes once, and have helped hundreds of Northern Ontarians purchase their first home. I can direct you towards incentives available to first-time buyers, helping you purchase your first home even without a 20% downpayment. During our first meeting, we’ll discuss your situation and goals, browsing various lending options to find the best mortgage products for you.
REFINANCE
You have the flexibility to refinance your mortgage at any time during the term. If you're struggling with your current payments or facing high interest rates, exploring different lenders and mortgage options might be beneficial. I’m here to assist you throughout the refinancing process. We'll explore a wide range of lenders to find mortgage plans that suit your needs and circumstances.
transfer/Renewal
When your mortgage term comes to an end with an outstanding balance, it will be necessary to renew your mortgage. This is an ideal opportunity to reconsider your options: You can change lenders or renegotiate your terms, taking advantage of incentives like lower interest rates. With mortgage rates so low, we can renew your mortgage to help you pay off your mortgage loan sooner, or help you access cash to get through these challenging times.
Residential Purchase
The exciting step of purchasing a home is accompanied by a detailed process and many important decisions. By trusting me, I’ll guide you through every step, streamlining and simplifying the process. With me, you’ll be able to explore a vast range of mortgage options from a variety of lenders. Throughout the process I’ll assist with the application process, getting you closer to the pre-qualification and pre-approval status.
Cottage/Vacation
Financing a vacation property may be easier than you think! Having your very own “getaway” is attainable for anyone who wants a place to get away from it all. Plus, owning a vacation property can dramatically reduce the cost of vacations, bring your family closer together, be a good financial investment, and in some cases even generate rental income!
second mortgage
If you are struggling to meet pressing financial deadlines or responsibilities, you may be wondering if you can utilize the value of your property. A second mortgage allows you to access your home equity without selling your home.
Purchase+ Improvements
Have you finally found the home of your dreams? If that home needs work, don’t be deterred. A Purchase Plus Improvements mortgage (PPI) allows you to access funds for both a mortgage and improvements and renovations. This way, you can purchase a fixer-upper with one simple loan option. If you’re looking to complete some renovations before you move in, or within the first year, this type of mortgage is for you!
Investment Property
Owning rental property is an attractive investment opportunity for many Northern Ontario investors. However, getting qualified as an investment borrower is a distinctive process with its own unique set of requirements. Let me help you navigate your next property investment with a financing solution tailored to you. Whether you’re living in the investment property o not, I have access to both non-owner occupied and owner-occupied investment mortgages with streamlined approval procedures, attractive interest rates, and flexible terms.
Commerical
The purchase of a commercial or rental building can be a phenomenal investment and a rewarding experience. If you are considering investing in commercial property, I can find the right mortgage for you! As a small business owner, I understand the capital costs that are associated with commercial property. Trust someone who’s been through the commercial mortgage property herself!
Reverse Mortgage
A reverse mortgage is a loan borrowed against the equity of your home. Like a home equity line of credit, you can access a certain percentage of the value of your home without selling it. However, you won’t have to make payments on your loan until it is due, or you decide to sell your home. I can help you find a reverse mortgage plan that best suits your unique situation. We’ll help you free up some cash and plan confidently for the future.
Troubled Credit
Contrary to popular belief, a bad credit score doesn’t disqualify you from a low-interest mortgage. With years of experience, I’ve seen it all! I’m determined to help each client determine eligibility and create a stable, responsible payment plan. Don’t let a poor credit score hold you back from your homeownership goals. No matter what your credit score may be, I can help you find a lender and loan perfectly matched for your financial situation.
Home Equity Line of Credit
Freeing up some of your home’s equity can be ideal for your present financial situation. If you are considering taking out a home equity line of credit, I can help. We’ll establish your goals and locate lines of credit that allow you to access as much of your home’s value as possible. You’ll benefit from the flexible repayment options and low-interest rates.