Are you excited about buying a property, or refinancing your existing mortgage? Are you struggling to meet the requirements of traditional lenders?  Sunlite Mortgage specializes in helping individuals like you achieve homeownership through private lending solutions, with either a first or second mortgage. At Sunlite Mortgage, we take pride in assisting Canadians to obtain mortgages, even amidst temporary credit issues or income challenges. Allow us to guide you in securing the home you’ve always dreamed of. Whether you are self-employed, purchasing additional properties, new to Canada with a limited credit history, seeking debt consolidation, or looking to leverage equity for investments, we’ve got you covered. Let’s work together to make your financial goals a reality.

Why Choose a Sunlite Mortgage?

1. Embracing Your Unique Situation: Traditional lenders often focus solely on credit scores and strict lending criteria. However, we understand that life is full of ups and downs. We are willing to look beyond a credit score and assess your financial situation, giving you a fair chance at homeownership.
2. Supporting Self-Employment: Being self-employed comes with challenges, especially when providing income to traditional lenders. Luckily, we recognize the unique circumstances of self-employed individuals and offer alternative income verification options.
3. Speeding Up the Process: We will speed up the process, allowing you to move forward with your property purchase and not be held back by a slow approval process. Our private lenders are known for their quick approval and funding, allowing you to close the deal and have the keys to your new home sooner rather than later.
4. Buying an investment property: Due to the traditional lender’s strict guidelines, the more property you buy, the less qualified you are unless your income increases every time you buy a property. With our private lenders, that isn’t the case. If you have enough equity, you can purchase additional rental properties, sometimes with no money down.*
5. Exploring Your Property Options: Traditional lenders can be rigid regarding property types or those needing renovations. However, private lenders are more flexible and open-minded. You can explore more property options that suit your needs and aspirations.

Remember, getting a private mortgage is a temporary situation that can be caused by high interest rates, low income, or a lower credit score than traditional lenders require. By monitoring your credit and income, your mortgage could return to a traditional lender in six months.

If you are ready to take the next step in securing your mortgage financing, we are prepared to help. The Sunlite Mortgage experience team is ready to guide you through the mortgage application process, offering personalized solutions tailored to your unique needs.