Afterwards, if your monthly cash flow improves or you come
into an unexpected cash windfall, you can always choose
to apply extra payments and help retire your mortgage early.
We can show you how!
Self-employed
programs
Despite
good credit ratings, entrepreneurs often have a difficult
time obtaining a mortgage approval because the lenders
approval formulas and score cards can work against them.
Often, they have insufficient confirmation of their income
to satisfy the lender.
At times, a common sense approach must be taken to evaluate
their ability to repay.
We have the experience and the products to help!
Purchase
a home with "No Down Payment"
Home
purchases with "No Down Payment" have been possible
in the U.S. for some time now, but until recently they were
unavailable in Canada. Let us show you how it works.
If you have an established credit rating, can demonstrate
stable employment and are purchasing a marketable home in
good repair, we can show you ways to purchase a home with
no down payment.
Impaired
credit rating programs
Former
bankrupts need a fresh start, and we can help.
Applicants with explainable credit problems need guidance
to turn things around. We can help.
If you can demonstrate your intention and ability to repay,
we can try to find ways to get you back on the right path.
We will be there with you throughout the entire process
of re-establishing your credit and returning you to a good
credit rating.
Home
equity loans
We
have access to mortgages that will give you access to 90%
and even 100% of your homes full market value, for
any worthwhile purpose.
This could be things like borrowing for your childrens
education, investment opportunities, home renovations, and
more.
Second
home and/or cottage financing
If
your thinking of purchasing homes for students attending
university or college in another city, we can help.
If you want to buy a cottage for year-round R & R, we
can help.
Refinancing
exiting mortgage(s)
Do
you currently have a first and second mortgage? We can combine
them both into one mortgage, often at a more favorable rate
and with one low monthly payment.
Secured
Visa Application
If
youve been recently declined for a visa, please click
here to print and complete the Home Trust Company
visa application. Send to the address listed on the application
(also shown below) along with a cheque or money order payable
to Home Trust Visa in the amount of $750.00. This amount
represents a security deposit.
Please print
and fill out the following form including your
cheque or money order.
Mail
it to:
Home
Trust Company
Attn:
Secured VISA
145
King Street West, Suite 1910
Toronto, Ontario M5H 1J8
|