Stratford Mortgage Broker

Mortgages for people with credit challenges

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Mortgages for people with current and past credit difficulties
Being in the business over 15 years I have seen many people struggle to get financing through the regular channels. I will take a look at your entire financial picture and assess the best way to proceed. I have strong relationships with hundreds of Canadian non - bank lenders including individual private lenders, private investment companies, finance and trust Companies.

What to expect
Typically if you do not qualify for a bank mortgage I would determine if we could get you approved through a finance or trust company. Generally for a purchase or refinance I can get up to as much as 80% of the purchase price/appraised value. The rates are slightly higher from 4.5%-5.5% range. A 1% lender fee is deducted off the loan amount and a term of 1-3 years is possible until you can get your credit back on track.

Extremely difficult credit situations

I can get up to 80% of the purchase price or appraised value in most locations in Ontario and Provinces across Canada. Rates and fees are higher based on each individual situation. Most lenders prefer a minimum value of $100,000 and will cut back the loan amount in more remote rural areas or lower populated locations. Its is best to email me with the mls listing # or address so I can ensure I have private lenders to consider.

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Toll Free: (866) 592-0516 Fax: (866) 407-5702 Mailing Address: 321-356 Ontario Street, Stratford, ON N5A 7X6