Mortgages

First time home buyer
Purchasing your first home is financially a very big decision, and it is our job to make this process as simple and stress free as possible! We will thoroughly explain all of your options and will recommend what we think will be the best for you and your situation

Building
Building a home is complicated; your mortgage shouldn’t be. There are several types of new construction financing out there, but, they basically fall into 3 categories.

  • You may hire a contractor to build your house
  • You may build your house yourself
  • You may buy a newly constructed house

There are 3 types of new construction financing

  1. Builder/Contractor built home with your money
  2. Self-Built Home
  3. Builder built home with their money

For information of these different types of financing please contact me personally at 403-894-9902

Refinancing and Debt Consolidation 
Refinance up to 80% of your Home’s Value with NO CMHC!

With the significant appreciation in housing prices over the past seven years, many consumers have taken advantage of lender refinance programs. No one likes to refinance their home to pay out credit card debt, car loans or line of credit, but sometimes it makes sense to review this option in more detail.

Mortgages for Business for Self people

CMHC and Genworth recognize the unique financing challenges of self-employed Canadians.  To help them realize their dreams of homeownership, CMHC and Genworth both offer mortgage loan insurance options for self-employed borrowers without traditional third party validation of income.

Features

  • Available for purchases and refinances
  • Can finance up to 90% on purchases and up to 80% on refinances
  • Best mortgage rates

Requirements

  • Great credit
  • Proof of business for self
  • Gifted down payments are not allowed
  • Proof no income taxes are owing

HELOC
Use the equity in your home to get a secured line of credit! With a Home Equity Line of
Credit or HELOC, this offers you the flexabiltiy of accessing funds as you need them.

NIQ 
( No income qualifying mortgage ) Provide the opportunity for a borrower with a good Credit score, to purchase a mortgage without verification of income. funding up to 65% of appraised value.

Vacation or Second home
As your family grows, so do your needs! Have you been wanting to purchase a family vacation property but not sure where to start?  We can take weeks off the process, all for the lowest rate and great terms! Owning your second home may be a lot easier and a lot more affordable then you think! Call us today and let us help you with you get started!

New to Canada 
Play an increasing role in Canada’s future population growth, creating new market opportunities. CMHC and Genworth insured financing is available to borrowers with permanent and non-permanent residence status, helping newcomers to realize their dream of homeownership in Canada .

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