What We Do

First Time Home Buyers

Self-Employed Individuals

I can assist first-time home buyers by guiding them through the buying process, helping secure mortgage pre-approval, advising on loan options, and informing them about special programs and incentives tailored for first-time purchases.

Self-Employed Individuals

I can support self-employed individuals by navigating them through unique mortgage requirements, offering tailored loan options considering their variable income, assisting with documentation and proof of income, and advising on strategies to maximize their loan approval chances.

Refinancing your Home

Self-Employed Individuals

Refinancing your Home

I can guide clients through the refinancing process, helping them assess the value and potential savings of refinancing their mortgage, exploring various loan options and terms, assisting with application and documentation, and providing advice on timing and interest rate trends.

Real Estate Investors

Renewing your Mortgage

Refinancing your Home

I can assist real estate investors by offering specialized financing solutions, advising on investment-focused loan options, helping with the application process, providing insights on market trends and rental yields, and guiding them on maximizing their investment potential through strategic mortgage planning.

Commercial Financing

Renewing your Mortgage

I can assist clients with commercial financing by evaluating their business needs, advising on suitable commercial loan options, guiding them through the complex application process, providing insights on market trends and rates, and helping structure the financing to align with their business objectives and cash flow.

Renewing your Mortgage

I can help clients with mortgage renewals by assessing their current financial situation, exploring new loan options and rates, advising on whether to renegotiate with their existing lender or switch to a new one, and assisting with the renewal process to ensure terms align with their evolving financial goals.

Types of Lenders

A-Lenders (Prime)

B-Lenders (Alternative)

These are traditional financial institutions like major banks and credit unions. They offer the lowest interest rates and are strict with their lending criteria, typically serving borrowers with good credit scores, stable income, and a strong financial history.

B-Lenders (Alternative)

These lenders are usually smaller banks or financial institutions that offer more flexible lending criteria than A lenders. They cater to borrowers who may not qualify with prime lenders due to reasons like lower credit scores, non-traditional income sources, or self-employment. Interest rates are slightly higher than A lenders.

C-Lenders (Private)

B-Lenders (Alternative)

C-Lenders (Private)

Private lenders are individuals or groups who lend their own money and are the most flexible with lending criteria. They are often used as a last resort for borrowers who cannot secure financing through A or B lenders, usually due to poor credit or unusual financial situations. These loans typically have the highest interest rates and may include additional fees.