PROMO: 1 Year Fixed Rate
High Ratio Mortgage
Rates for Home Buyers
The Rates Below are for High Ratio Insured Mortgages.
High Ratio Mortgages mean that you have less than 20% down payment and will be required to obtain Mortgage Insurance.
Insured Mortgages for Purchases have a Maximum Purchase Price limit and must stay under $1,000,000.
Your Credit needs to meet the minimum qualifying score of 680 from Equifax.
Two Years Verifiable Income by way of Notice of Assessments, including Employment Letter and Paystub.
All Rates are subject to conditions and are O.A.C.
FIXED
VARIABLE
Rates for Home Buyers
The Rates Below are for High Ratio Insured Mortgages.
High Ratio Mortgages mean that you have less than 20% down payment and will be required to obtain Mortgage Insurance.
Insured Mortgages for Purchases have a Maximum Purchase Price limit and must stay under $1,000,000.
Your Credit needs to meet the minimum qualifying score of 680 from Equifax.
Two Years Verifiable Income by way of Notice of Assessments, including Employment Letter and Paystub.
All Rates are subject to conditions and are O.A.C.
FIXED
VARIABLE
Rates for Home Buyers
The Rates Below are for High Ratio Insured Mortgages.
High Ratio Mortgages mean that you have less than 20% down payment and will be required to obtain Mortgage Insurance.
Insured Mortgages for Purchases have a Maximum Purchase Price limit and must stay under $1,000,000.
Your Credit needs to meet the minimum qualifying score of 680 from Equifax.
Two Years Verifiable Income by way of Notice of Assessments, including Employment Letter and Paystub.
All Rates are subject to conditions and are O.A.C.
FIXED
VARIABLE
Rates for Refinance
The Rates Below are for Uninsured/Uninsurable Mortgages.
Uninsured/Uninsurable Mortgages mean that you have more than 20% down payment or
you’re refinancing your mortgage up to 80% of the home value and do not require Mortgage Insurance.
Mortgages Eligible including purchases up to and above $1,000,000 purchase prices or refinances up to 80% of the home value.
Your Credit needs to meet the minimum qualifying score of 680 from Equifax for Purchases and 650 from Equifax for Refinances.
Two Years Verifiable Income by way of Notice of Assessments, including Employment Letter and Paystub.
All Rates are subject to conditions and are O.A.C.
FIXED
VARIABLE & HELOC
5 Year Mortgage & HELOC Combo
Variable Rate Mortgage + Variable Rate LOC
1.45% + 3.05%
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Alternative Mortgages
for Home Buyers & Refinance Clients
The Rates Below are for Alternative Mortgages.
Alternative Mortgages mean that you have more than 20% down payment or you’re refinancing your mortgage
up to 80% of the home value and do not require Mortgage Insurance.
Ideal Solution for Purchases that exceed a purchase price of $1,000,000, or self employed individuals
without the ability to meet Prime Income Qualificaion requirements.
Your Credit needs to meet the minimum qualifying score of 550 from Equifax.
Stated Income Qualification by way of Tax Documents and/or 6 Month Bank Statements,
including Employment Letter and Paystub if Employed or Self Declared Income Statement
and additional documents if Self Employed / Business Owner.
All Rates are subject to conditions and are O.A.C.
FIXED
VARIABLE
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Private Mortgage Rates
The Rates Below are for Private 1st & 2nd Mortgages.
Private Mortgages are typically Interest Only options meant for short term solutions.
Limitations may exist depending on property type, client profile
and variable items that come up during your transaction.
Fees will be charged for Private Mortgages, there will be a lender fee and broker fee as standard practice.
Your Credit should be above 500, but some exceptions exist, keep in mind
rate and fees increase when a clients profile is below acceptable limits.
No Income Verification means your income will not be verified, but it still needs to be provided.
Typically 1-2 income documentation fits the bare minimum requirement.
All Rates are subject to conditions and are O.A.C.
PRIVATE FIRST (1ST) MORTGAGES
PROMO: 1 Year Fixed Rate
750+ Credit Score
3.99%*
75% Loan to Value (LTV)
Max Loan of $1,250,000
1 Year Fixed Rate
750+ Credit Score
5.14%*
80% Loan to Value (LTV)
1 Year Fixed Rate
680+ Credit Score
6.99%*
85% Loan to Value (LTV)
1 Year Fixed Rate
650+ Credit Score
7.99%*
90% Loan to Value (LTV)
1 Year Fixed Rate
500 – 600+ Credit Score
5.14%*
70% Loan to Value (LTV)
1 Year Fixed Rate
500 – 600+ Credit Score
6.99%*
75% Loan to Value (LTV)
1 Year Fixed Rate
Any Credit Score
7.99%*
80% Loan to Value (LTV)
1 Year Fixed Rate
Any Credit Score
8.99%*
85% Loan to Value (LTV)
PRIVATE SECOND (2ND) MORTGAGE
1 Year Fixed Rate
650+ Credit Score
6.99%*
80% Loan to Value (LTV)
1 Year Fixed Rate
650+ Credit Score
7.99%*
80% – 90% Loan to Value (LTV)
1 Year Fixed Rate
600+ Credit Score
8.99%*
85% Loan to Value (LTV)
1 Year Fixed Rate
600+ Credit Score
7.99%*
80% – 90% Loan to Value (LTV)
NO APPRAISAL SECOND MORTGAGES
1 or 2 Year Terms Available
595+ Credit Score
7.99%
Maximum Mortgage Amount of $200,000
1 or 2 Year Terms Available
595+ Credit Score
8.99%
Maximum Mortgage Amount of $200,000