1. Residential First Mortgages First Time Buyers owner occupied 95% Financing
2. Residential First Mortgages Repeat Purchaser owner occupied 95% Financing
3. Residential First Mortgages Owner Occupied purchases for 100% via CMHC
4. Residential First Mortgages Owner Occupied purchases for 100% non CMHC
5. Multiple Unit owner occupied units 4 units up to 90% financing.
6. Multiple Unit owner occupied units over 4 units 85% financing.
7. Residential Second Mortgages owner occupied up to 90% financing equity out or investment or renovation mortgage
8. Residential First Mortgages up to 90% financing on a purchase improve which allows the purchaser to do 90% of the purchase and 90% of the improvement costs.
9. Residential First Mortgages up to 90% financing on a refinance of existing first mortgage balance, second mortgage or any other worthwhile purpose.
10. Residential First Mortgages up to 90% on a refinance improve of the improved value versus today's value with construction draws for the home renovation product.
11. Residential First Mortgages up to 90% to consolidate and improve under a renovation product with draws.
12. Residential Second Mortgages without CMHC up to 90% and 100% saving CMHC fees, costs and guideline red tape which may interfere with purpose of financing.
13. Cash Back mortgages from 2.5% up to 6% of amount financed.
14. Residential First Mortgages non-owner occupied up to 85% on single family to multiple unit properties via CMHC.
15. Residential First Mortgages Non CMHC up to 75% of purchase price.
16. Private First Mortgages up to 90% owner occupied via private investor mortgages.
17. Private First Mortgages up to 80% on non-owner occupied mortgages for purchases, refinances, purchase improves.
18. Equity mortgage applicants who have unusual, self employed, undeclared income up to 75% and in some cases 87.5%
19. Equity Second Mortgages Private and institutional up to 85% financing.
20. Previous Bankrupts, slow credit, credit counselling or poor credit up to 75% financing private and institutional firsts. Institutional up to 75% Private up to 80-85% on approved credit.
21. Rent to own CMHC purchases and rent to own non-CMHC guidelines.
22. Sweat Equity down payment purchases CMHC and non CMHC guidelines
23. Non-Standard purchases. Foreclosure, Tax Sales Etc.
24. Mixed-use owner occupied purchases one to six units.
25. Mixed-use non-owner occupied purchases.
26. Non-prime purchases- co-ownerships, mobile homes, cottages, park model, boat homes, reservation property.
27. Construction mortgages with takeout
28. Takeout mortgages with construction.
29. Non new home warranty construction
30. New home warranty construction for the builders
31. Model home financing for the builders
32. Premanufactured Homes interim and takeout financing