Creative Financing in Vancouver is Our Specialty! Bad Credit / Low Income / Self-Employed is OK...
As mortgage brokers, our specialty is finding creative lending solutions for people who don’t fit the “normal” credit requirements.
Are you afraid that conventional banks will turn you down? If you look for a mortgage on your own, you may end up having one application after another turned down and damage your credit rating even more.
Whether you are self-employed or are a small business owner quite often banks will not consider you for a mortgage even if you have good credit. Just being self-employed or owning a small business may make you a bigger credit risk, in the view of the banks, than someone who is employed.
Even if you have lots of equity in your home it doesn’t seem to matter to chartered banks that you have a stellar credit rating and a long history of successful business ownership.
If your credit rating is not so perfect, banks and many other lenders will turn you down regardless of the amount of equity you have in your home.
Because we are independent mortgage brokers, we are not tied to working with one lender to stiff credit requirements. We have access to boutique lenders that don’t advertise, just deal with mortgage professionals. Because we keep informed about borrowing packages, terms and rates, we save you the time and trouble of doing that research.
We are experts in watching out for the best borrowing package for you. We know the requirements of the lenders and can present your application accordingly to get you the best rates. In most cases, there is no cost to you, the lenders will pay our fees.
You will only have to complete one application form in order for us to go to the lenders. Honesty about your financial situation is essential so we can be aware of all negative credit history before we approach the lenders. We work for you, not the lenders and can give you an unbiased opinion about your borrowing needs.
Once we know your credit history, we will advise you on your best options and what you will be best qualified for.
With our market research and knowledge of the lenders and the lending packages available, we can, with one application, approach many more lenders than a conventional bank can. In most cases, you will be presented with many more borrowing options than you would have if you had applied through conventional means. We have the ability to negotiate with the lender to for the best rates and terms for you. Quite often we can get instant approval.
As mortgage brokers, we have the ability to think outside of the box and sometimes we can put a “round peg into a square box” and find the borrowing solution for you.
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The bottom line is - I'm in YOUR corner, and I can set you up with the best possible mortgage (or otherwise solution) for your needs, period. Even if your situation is "challenging" - you'd be amazed at what's possible with a little creativity...
You can email me here, call me at 1-877-686-4246, or submit a Quick-Quote request HERE...
We'll talk soon!
Sincerely,
Kam Brar
BCMortgageHelp.com