Overview
Review how credit history may affect mortgage eligibility, documentation, rates, and fees
Credit challenges can affect mortgage eligibility, rate, fees, and the documentation a lender requests. Whether you're recovering from bankruptcy, completing a consumer proposal, or improving a lower credit score, we can explain possible lender paths and steps that may strengthen a future application.
There is no universal waiting period, number of trade lines, or credit score that guarantees mortgage approval. Lenders and insurers may consider the type and timing of past credit events, discharge or proposal status, payment history, current debts, income, down payment or equity, property, and the complete application.
Alternative or private financing may be considered in some credit situations, but it can carry higher rates and fees. If it is suitable, we outline the costs, exit plan, and milestones that may support a later move to another lender category.
Key Features
How It Works
Initial Consultation
We discuss your goals, review your financial situation, and outline mortgage paths that may suit your needs.
Compare Suitable Options
I compare available rates, terms, features, fees, and qualification requirements, then guide you through the application and closing.