Even if you cannot qualify for a mortgage, I am working to help you get there. I will go over credit with you to make sure you have the best chance to qualify later.

CREDIT COUNSELLING

 

If you are not eligible for a mortgage at the bank I want to make sure you have the tools you need to get there. If you don't qualify for a mortgage for the purchase of your new home I want to help customize a plan just for you.  With the right mentoring we can usually get you prepared for the purchase of your new home within 12 - 24 months.  I can also help with getting a pre-paid credit card as well as other products which will help to rebuild your credit and save for a down payment at the same time.

 

If you don't qualify at the bank for a regular mortgage, if you have enough equity or enough of a down payment then we may have a lender for you.  We can sometimes arrange what I call an alternative solution.  An alternative solution will help you out of a situation now, but with the idea in mind that we will arrange a short term (1-2 years) mortgage.  Within that term we want to make sure you are provided the tools needed to rebuild your credit and get you where you need to be when the mortgage term is up so we can get you in to a better mortgage again.

 

Because 2nd mortgages can sometimes come with higher rates and fees, I am always looking at these as a short term solution with the idea in mind that together we will work towards rebuilding your credit also. 

 

I have also successfully managed to strategically partner myself with some companies who can effectively help you rebuild your credit.  They have programs in place to help you obtain a credit card as well as an investment loan.