Self-Employed? Credit Issues? Unique Income Situation?
We can get you a mortgage in most situations regardless of your circumstances. Where traditional financial institutions have given the answer “No”, Mortgage Edge routinely says “Yes” and gets you a product that suits your needs at an extremely competitive rate.
Below we have provided a list of the most common non-traditional situations, however, please note, that not all situations are listed and each is looked at on a case-by-case basis to fit with the appropriate lender – each situation is unique and looked at accordingly. This is where my expertise and knowledge is essential in taking care of you and your family.
|Employment Self-employed ||Recent job start/change |
- Work experience outside Canada
|- Lack of work history |
|Income ||- Income - Non-verifiable |
- Salary + commission
|- Commission |
- Salary + OT and/or bonus
|Credit ||- Spotty/bad credit |
- No credit
|- Good, but a lot of credit |
- Previously bankrupt
|Property ||- Rental |
- Cottages/vacation homes
- Multiplex - Investment
|- Rural/acreage |
- Mobile homes
|Status ||- Non-resident ||- New immigrant |
|Financial ||- Zero-down ||- Purchase plus improvement |
If you fall into one of the categories above, or if you have a different situation, we know where to go and how to structure the deal. Contact me immediately and have peace-of-mind that your mortgage needs are being well taken care of.