Rui Alberto Maia, Your trusted Mortgage Broker
Do you have bad credit and can't obtain a Mortgage?
If you have bad credit, it is very likely that your financial institution has or will refuse your mortgage financing.
Did you know that is possible to obtain a mortgage even with bad credit to: consolidate debts, pay taxes, repay legal mortgages and/or your consumer proposal.
I can you get a mortgage and even assist you to improve your credit score!
What is a bad credit for mortgage approval ?
The term bad credit is a bit broad. Depending on your perception, you may think that having a 650 rating is bad and won’t be able to obtain a mortgage.
Your financial institution may even have told you that you have a low credit rating without giving details about your credit report.
Your credit rating may not even be the issue, as some lenders must meet a minimum rating. The criteria are not the same for all mortgage lenders.
No matter why you believe you have a bad credit score, it would be important to see the status of your credit history.
What to do when you have a refusal or a low score?
The first thing not to do is not to make one or more requests to other financial institutions to obtain a mortgage loan! Since that would only make the credit rating worse! In addition, the lender will see on your credit report the credit applications you have made with other lenders!
The second step would be to get your credit report from Equifax Canada. In Quebec, the credit file provider is obliged to give you access to all the information it holds about you. You can get your credit report all done for free by clicking on this link : Equifax Canada.
With your credit file in hand, you can see what information is listed on you and validate if all the information corresponds to reality. If you notice any errors, you must take steps to have the incorrect information corrected.
You can also contact me so that we can see your credit file together. I would be able to assist you if there are any errors, tell you what you need to do to improve your credit report and also assist you obtain the mortgage financing necessary for your project.
My services and products offered for individuals with bad credit.
Alternative Mortgage Loan
Mortgage financing with an Alternative Bank. Rates starting at 6.00%.
Ideal for the self-employed, people with a weak credit record, bankruptcy or consumer proposal.
Financing up to 80% of the property value.
Mortgage loan with private lender
Financing with a professional private lender. Rates starting at 9%.
Ideal for self-employed workers without proof of income, weak credit history, bankruptcy or consumer proposal.
Financing up to 75% of the property value.
Reverse Mortgage
Financing intended for people over 55 years of age. Rates starting at 6.99%.
Perfectly suited for people over 55. Regardless of your income, your credit history, you could get up to 55 percent. 100% of property value.
You will always be the owner of your property.
Credit file correction
Service offered exclusively to customers seeking financing.
You have errors in your credit report, you have made a consumer proposal and the information entered is incorrect.
I would be able to assist you with corrections to your credit report with supporting evidence.
Rui Alberto Maia,
Mortgage Broker
I am a mortgage broker, affiliated with Dominion Lending Centers. As well, I am accredited by the Autorité des Marchés Financiers (AMF : Autorité des Marchés Financiers ).
Also, I have over 25 years of experience in the field of Financial services, particularly in mortgage and commercial financing.(LinkedIn Profile). I have access to more than 20 professional mortgage lenders and other professionals.
You will therefore receive an exceptional service, with recommendations adapted to your situation. I always carry out my work with integrity. That’s why you’ll get your mortgage at the best rates and conditions.
Testimonials from my clients
Why wait !!!
Contact me for a free consultation!
Rui Alberto Maia,
Mortgage Broker
Mortgage broker affiliated with Dominion Lending Centers and accredited by the Autorité des Marchés Financiers.
(Certificate no.: 122349)
Contact me
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Monday: 9:00 a.m. to 8:00 p.m.
Tuesday: 9:00 a.m. to 8:00 p.m.
Wednesday: 9:00 a.m. to 8:00 p.m.
Thursday: 9:00 a.m. to 8:00 p.m.
Friday: 9:00 a.m. to 4:00 p.m.
Saturday: 10:00 a.m. to 4:00 p.m.
Sunday: Closed