Need help? 416-272-6668
Imagine Sandra Martinez staring at her credit report in frustration – a 580 credit score that told the story of a messy divorce, medical bills, and a business bankruptcy that
Picture discovering a prime commercial building in downtown Toronto with immediate cash flow potential, excellent tenant mix, and below-market pricing due to the seller’s urgent relocation timeline, only to watch
Picture a Mississauga home buyer with pre-approved bank financing discovering that their dream townhouse in Port Credit requires closing in just 18 days, but their lender needs 4-6 weeks for
Imagine you’re pre-approved for a $600,000 mortgage with excellent credit and stable income, then watch that approval evaporate two weeks before closing because the bank’s algorithm flagged your Uber side
Imagine discovering on a Friday afternoon that your mortgage approval has been rescinded due to last-minute bank policy changes, with your dream home closing scheduled for the following Friday –
Imagine you’re standing in two different real estate offices on the same afternoon, holding two completely different financing proposals for the same property purchase. In the first office, a bank
Picture Jennifer Liu frantically refreshing her email at 11:47 PM on a Thursday, waiting for TD Bank’s final mortgage approval on a $850,000 Mississauga townhouse she’d been trying to close
Picture a newly graduated doctor with $300,000 in medical school debt, starting a family medicine residency at $60,000 annually, trying to qualify for a mortgage to buy a modest home
Picture a recently divorced professional with a $95,000 salary, excellent employment history, and $80,000 down payment from their property settlement, watching their mortgage application get rejected because their credit score
Imagine arriving in Canada as a skilled professional with $150,000 in savings, excellent international credit history, and a job offer from a Toronto tech company, only to discover that Canadian
Imagine three different borrowers with identical $500,000 mortgage needs: one gets approved by RBC at 6.2% after 6 weeks of documentation, another secures 5.8% from their local credit union in
Picture a successful manufacturing business in Hamilton that needs $500,000 in new CNC equipment to fulfill a major contract, but their bank wants 25% down and charges 12% interest on