Are you tired of paying someone else’s mortgage? You don’t want to deal with landlords any more however, you have no money to buy a place of your own. We have the solution for you in the form of a $0 down mortgage. This means that almost anyone can own their own home. We have lenders who will finance 95% of the purchase price and allow you to borrow 5% in the form of a loan for your down payment. Also, you have the option to have your 5% down payment gifted from family. This program is available to first time home buyers and anyone else who has owned a home before.

Are you looking to borrow against your home to consolidate debt/lower your payments? Do you need money for renovations, to purchase a vehicle or anything else? Quite often times the interest rates on other debt you have can carry substantially higher costs than on a mortgage. We have a variety of mortgage refinance options that can help you put all of your debt into one low rate and payment.

When it comes time to renew your mortgage you have the opportunity to reflect upon and assess your mortgage needs before you decide on a new mortgage product. It is important to have an experienced mortgage professional by your side to ensure that you are making the best decision for your unique situation.

Are you self employed and don’t show the required income on paper to qualify for the mortgage you need? Then call and ask us about our stated income mortgages. You can borrow up to 90% of the value of a home based on income that you state you make and not what you declare on paper. This means that self employed people can save taxes by declaring minimal income and still qualify for the mortgage they need.

Are you a first time home buyer looking to purchase your first home? You can own a home with as little as $0 down payment and pay less than rent. We specialize in first time home buyer mortgages and are here to help you. Call us today and ask about our first time home buyer benefits.

You don’t want to make principal & interest payments on your mortgage. You want the flexibility of paying off the mortgage against your house and then re-borrowing without further legal fees. How about a totally open line of credit secured by your house that allows you to pay it off without penalty at any time. Ask us about a secured line of credit.

Our online application only takes 5 minutes to complete and we will get back to you within 1 – 2 business days. Visit www.ymscanada.ca/mortgage-application.

Have you been turned down by your bank for mortgage financing? Do you have credit problems that are holding you back financially. We have access to a variety of lenders for many different situations and may be able to help you. Give us a call to discuss your situation and we will endeavor to find a solution for you.

Are you looking for additional financing on your home but don’t want to pay out your first mortgage? We have lender options for you that will give you a second mortgage without touching your 1st mortgage.

Are you looking to purchase or refinance a commercial property? We have access to a variety of commercial mortgage products to satisfy your requirements. This includes non-traditional commercial lenders & private lenders that will finance many different properties.

Does your situation not fit the norm? Perhaps you have low income or poor credit. We have access to many private mortgage lenders that can help with financing that is based on the equity of your home rather than your income or credit.

Do you want to build your home and save the cost of someone building it for you. We are experienced in construction mortgage financing and will be able to guide you through the process. Call us for more details on the construction mortgage process.