not all borrowers have the same needs.

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If  you have been turned downed down by the lowest rate lender, but have a  good credit history and may qualify with other low rate lenders.

If your credit history and FICO score does not meet the credit requirements of the lowest rate lenders.

If the property requiring a mortgage does not meet the requirements of the lowest rate lenders.

If you need to consolidate high interest debt.

If you are self-employed.

If you have non-traditional income.

If you require construction financing.

If you require commercial mortgage financing.

If you have been in a consumer proposal or have a past bankruptcy.

If you are retired and no longer qualify with the lowest rate lenders.

If you require a reverse mortgage.

What ever the reason; if you are unable to qualify with the lowest rate lenders and require mortgage financing, we can help.

First  we review your situation to see if you will qualify with a low rate  lender other than the one which turned you down because approval rules  and guidelines differ from lender to lender, and this may present your  with an opportunity for approval.

If  we are unable to qualify you with another low rate lender, we then look  at options with lenders offering slightly higher rates than the low  rate lenders. These lenders charge administrative fees, which is  something we calculate in addition to interest cost to determine the  option which will save you the most money.

Our  goal is to save you as much money as possible, and put a plan in place  which will allow you to qualify with the lowest rate lender in the  future.