Home Purchase Loans
Moving from the rent cycle into home ownership can follow a number of different paths. Most Canadian homeowners go through the conventional home loan process, working with a bank or other traditional lender. However, there are many others who have the money to pay for a mortgage but have had some credit issues in their past, and so traditional lenders will not work with them. They don’t have the larger down payment on hand that many private lenders require, so they move toward a rent-to-own situation. Some people who go through rent-to-own were already making mortgage payments on their home but had a financial emergency that had them heading toward foreclosure until they found a refinance investor to help them stay in their homes are a rent-to-own tenant/borrower.
Home Purchase Articles
As you consider your own path toward home ownership, look at some of our different articles about how the purchase process works. We’ve assembled some Frequently Asked Questions on the basis of feedback from other customers down at the bottom, and if you have questions about how we can help you, you can call or email us, or you can talk to us through live chat. We also have a pre-qualification application for you to fill out online, to give us a sense as to your current situation.

Financing Your RTM Modular Purchase
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Getting a New Mortgage after a Divorce
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Purchase Plus Improvements Mortgage Programs
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Vendor Take Back (VTB) Mortgages
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Verifying Your Down Payment
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Rent to Own Overview & the IPR Agreement
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How Much Down Payment For A Mortgage In Canada
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Buying a Property with a Septic System
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Mortgage Loans for Doctors, Dentists, Medical Professionals
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How To Get A No Income Verification Home Loan
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How to consolidate mortgages on multiple properties
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Should I Continue to Rent or Buy
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How Construction Mortgage Completion Stages Work
- Roof Stage / Roof Tight (About 35% complete). A survey is required before the first draw.
- Intermediate / Lock Up (About 65% complete, before the drywall is installed) …
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Rent to Own Programs and Financing Options
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Alternative Financing Home Purchase
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Conventional Home Loan Requirements
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Home Buying Checklist
- 1 piece on non-expired Government Issued ID (One must be photo – Driver’s or Passport) – may require a second piece of ID at a later date depending on lender
- Corporate Documents, GST Licence (if self employed)

First Time Home Buyers
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New to Canada Mortgage
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Mortgage Financing For Self-Employed
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Good Credit Score Mortgage
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Mortgage Buyers Guide
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Manufactured Home Mortgage Loans
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