"Don’t let the 2026 renewal shock force your hand. We specialize in custom ‘B’ and alternative solutions for homeowners facing payment jumps. While banks are pulling back, we use your equity to find a path forward that actually fits your life."
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Traditional banks want 2 years of perfect T4s. We use bank statement programs to prove your true income. We look at your business's success, not just your tax return."
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"When you work with us, you aren't a file being 'shopped' to dozens of banks. We take the time to understand the story behind the numbers. Whether it's a complicated property or a messy financial situation, we work with you to fix the underlying issues first. We build a custom narrative for our lenders to ensure we secure a solution that actually works, even when others have said no."
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"We don't promise percentages; we provide paths. Every home and every history is unique. We heal your financials and your property before we talk to our lenders, ensuring your story is told the right way, the first time."
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"Sometimes a property needs more than just a mortgage—it needs a fresh start. We identify the barriers that are stopping your approval, from maintenance issues to physical 'messes,' and provide the bridge funding to clean up the property first. By presenting a 'healed' home to our exclusive lenders, we unlock options that simply don't exist for the average broker."
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Traditional banks want 2 years of perfect T4s. We use bank statement programs to prove your true income. We look at your business's success, not just your tax return."
-
"When you work with us, you aren't a file being 'shopped' to dozens of banks. We take the time to understand the story behind the numbers. Whether it's a complicated property or a messy financial situation, we work with you to fix the underlying issues first. We build a custom narrative for our lenders to ensure we secure a solution that actually works, even when others have said no."
-
"We don't promise percentages; we provide paths. Every home and every history is unique. We heal your financials and your property before we talk to our lenders, ensuring your story is told the right way, the first time."
-
"Sometimes a property needs more than just a mortgage—it needs a fresh start. We identify the barriers that are stopping your approval, from maintenance issues to physical 'messes,' and provide the bridge funding to clean up the property first. By presenting a 'healed' home to our exclusive lenders, we unlock options that simply don't exist for the average broker."
Start Your Discovery Process
"Your Privacy & Trust: We value your honesty, and we return it. Your information is kept strictly confidential and is only used by Bobby to build your custom mortgage strategy. We never sell your data to third parties. By submitting this discovery form, you consent to us reviewing your property details to find your best path forward."
While these numbers give us a start, your property’s unique story is what determines the final path. Use this estimate, then let's talk about the healing strategy."
"We believe in transparency. If your question isn't answered here, text Bobby directly for a straight answer."
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A: Native and B-lenders allow you to borrow up to 80% of your home’s appraised value (Loan-to-Value or LTV).
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A: The LTV Ratio is the percentage of the home’s value that the mortgage covers. It is calculated by dividing the loan amount by the appraised or market value of the property.
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A: Yes. This is one of the most effective uses of home equity in the current market. By rolling high-interest debt (often 20%+) into an alternative mortgage, you can often cut your total monthly interest costs significantly.
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A: In 2026, roughly 60% of mortgages are renewing at significantly higher rates. Traditional banks strictly apply the "stress test," which may disqualify homeowners who have seen changes in income or high debt loads. Alternative lenders prioritize your home’s equity over your credit score, allowing for more flexible approvals when a bank says "no".
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A: Yes, self-employed individuals can get a mortgage. The required documentations and requirements will differ from employee individuals.
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A: In 2026, roughly 60% of mortgages are renewing at significantly higher rates. Traditional banks strictly apply the "stress test," which may disqualify homeowners who have seen changes in income or high debt loads. Alternative lenders prioritize your home’s equity over your credit score, allowing for more flexible approvals when a bank says "no".
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