 So You Are Self-Enployed / Sub-Contract or on Commission
---& You Can't Confirm ALL Your Income.
Your bank wants to see things you don't have.
They ask for your Income Tax Returns.
They want to speak with your Accountant.
They suggest you get a Co-Signer.
And in the end, what is their answer?
"Sorry, but we can't help people like you."
Well, it's time to tell your bank to STUFF IT!!!
HERE'S FIVE SURE-FIRE WAYS
TO GET YOU FINANCING.
(1) EQUITY PLUS - FOR CURRENT HOMEOWNERS
Need A Fast $10,000 to $250,000?
Got Good Credit, But Can't Verify Income?
Want An OPEN Loan with NO Pre-Payment Penalties?
Got Some Reasonable Equity In Your Home? Then...CLICK HERE
(2) Full Documents:
(Up to 100% of home value considered)
Minimum Beacon Score of 600.
Up to 45% TDS - 30 year amortization available.
Last 2 years T1 General
Previous years Notice of Assessment (NOA)
Lender uses 2 Year Average of Line 150 on tax return.
3 or 5 Year Interest Rate determined by Beacon Score.
Available in Most Urban Areas in Canada.
APPLY NOW- SECURE APPLICATION
(3) Alternative Plus - 12 Months Bank Statements - Purchases Only
(Up to 100% of home value considered)
Proof of 2 Years In Business.
TDS (Total Debt Service) up to 40%
Minimum Beaon Score 600
Previous Year's Notice of Assessment, (NOA)
12 months bank statements showing deposits & chequing activity.
TDSR is calculated based upon 75% of gross deposits.
3 or 5 Year Interest Rate determined by Beacon Score.
Available in Most Urban Areas in Canada.
APPLY NOW- SECURE APPLICATION
(4) Alternative Documents - Purchase or Re-Finance
(Up to 90% of home value considered)
Proof of 2 Years In Business
Up To 55% TDS based upon Beacon Score
Previous Years Notice of Assessment (NOA)
12 Month of Bank Statements showing deposit and chequing activity.
Write Your own Stated Income Letter.
3 or 5 Year Interest Rate determined by Beacon Score.
Available in Most Urban Areas in Canada.
APPLY NOW- SECURE APPLICATION
(5)The 85% Bundle - Canada's Best Self-Employed Mortgage
Home Purchases Up 85%
One Rate-Determined By Beacon Score.
(Minimum Beacon Score - 600)
NO CMHC/GE Insurance Fees.
1% Lender Fee Added To Mortgage.
Flexible Debt Ratios
Flexible proof of income:
Write Your Own Self-Declared Letter.
NO Tax Returns Required.
NO Notice of Assessment.
NO Letters from Revenue Canada (CCRA) Required.
NO Broker Fee.
APPLZ NOW- SECURE APPLICATION
(5B)The 90% Bundle - Canada's Best Self-Employed Mortgage
Home Purchases Up 90% - Available in Ontario Only.
One Rate-Determined By Beacon Score.
(Minimum Beacon Score - 600)
NO CMHC/GE Insurance Fees.
2.5% Lender Fee Added To Mortgage.
Flexible Debt Ratios
Flexible proof of income:
Write Your Own Self-Declared Letter.
NO Tax Returns Required.
NO Notice of Assessment.
NO Letters from Revenue Canada (CCRA) Required.
NO Broker Fee.
APPLY NOW- SECURE APPLICATION
WHO QUALIFIES:
Property & Applicants Must Be In BC, Ontario or Nova Scotia.
At Least One Person On Title Must Be Self-Employed.
2 Years Clean, Active Credit.
PROPERTY TYPE
MLS Purchases
Marketable properties, urban/suburban areas.
Owner occupied, single family dwellings.
No high-rise or stacked condos.
Well and septic properties do not qualify.
Maximum property value $500,000.
Minimum down payment/equity from borrower's own resources: at least 15%
25 year amortization.
All Applications Are SERIOUSLY CONSIDERED.
APPLY NOW- SECURE APPLICATION
All applications are sent using Filogix technology. The same system used by most financial institutions.
HANDY- MORTGAGE CALCULATORS & USEFUL INFORMATION
Calculate the maximum amount you qualify for based upon your income. Calculate mortgage payments with amortization schedules.
Got A Question? Ask Our Broker, Larry Rachlin. Get FREE Mortgage Advice!
To Contact By Email, Click Here LARRY@BEST-MTG-RATES.COM
Greater Toronto Area Line 416-224-2299
CALL TOLL FREE 1-866-339-CASH
MORTGAGES UNLIMITED Larry & Adam Rachlin are members of IMBA - The Independent Mortgage Brokers Association of Ontario.
Mortgages Unlimited, (Elare Financial Services Limited), is in compliance with the Mortgage Brokers Act of Ontario.
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