Whatever’s going on, we’ve seen it before. Let’s talk it through.
Here’s what happens at each step, what we do and what you do.
Matthew
Will
Marko“I worked with Matthew, he was fast and efficient. I appreciated how fast he responded to my needs and how he kept me informed step by step throughout the process.”
Maurice R., Google reviewSame-day call back. No judgement. No pressure.
See what I qualify forThree steps. Most of the work is on our side.
A few quick questions online, or a call if you’d rather talk it through. We start with what you’re trying to do, not with a product to sell.
We look across banks, credit unions and private lenders, then walk you through your options and why they fit.
Once you say yes, we handle the lender and the paperwork through to closing.
Finding the right product is our part, not yours. Here’s what homeowners come to us with.
A mortgage renewal is a good time to see what else is out there before you sign again.
See howA refinance can lower what you pay each month. We check first that it’s worth it.
See howRoll high-rate balances into one payment and breathe easier each month.
See howA home equity loan gives you one set amount, with a fixed payment and a known end date.
See howWith a home equity line of credit, you borrow what you need and only pay interest on what you use.
See howA “no” from one bank isn’t the end of the conversation. A second mortgage may be the way forward.
See howLife happens. Falling behind doesn’t have to mean losing your home. Let’s find a way forward.
See howA reverse mortgage lets you use the equity in your home and stay where you are.
See howSomething else? Tell us in your own words. If there’s a way, we’ll find it. Start here
Credit cards and other balances, brought together in one refinance. Their payments dropped by $3,605 a month, and that money now stays in their budget.
The city was threatening to send their house to auction. We got them financed, paid off the arrears and helped them rebuild their credit. Today they have a new first mortgage, and they’re still home.
From Lighthouse clients, with names left out for privacy. Your numbers will depend on your home, your lender and your situation.
The same team, from the first call to closing.
Matthew, Will or Marko will call you right away.
Things in life happen. We’ve helped people in your spot, and we won’t judge.
We ask before any step that involves a credit check.
No pressure. We lay out your options, and you decide when to move.
From our Google reviews, in their own words.
“My agent William Milson was heaven sent when things and circumstances did not go as planned. He made sure that I understand each step and finding a resolution to a very difficult to place mortgage, Thank you once again Will.”
“I have used Matt and his team several times. Not only was he able to effectively communicate with me about the various financing options, but he professionally listened to what was important to me and presented relevant tailored solutions. Will definitely use again and have even recommended to my family!”
“I wasn’t sure if they could help me but took a chance. Am I ever glad I did. They went above and beyond to help me with getting a mortgage. They were there throughout the whole process and even now with everything being done if I have a question or concern all I have to do is call or drop them an email and they are quick to respond. Thanks to Marko for being so helpful and patient.”
Answers to every question, before you decide.
Matthew, Will or Marko will call you right away. We’ll ask what’s going on and what you’re trying to do, then tell you honestly what’s possible.
No. Tell us what’s going on and we’ll match you with the right option. If you’ve heard a product name, bring it along and we’ll tell you whether it fits.
Talking to us doesn’t affect it. We’ll ask you first if a later step involves a credit check.
No. Talking to us doesn’t commit you to anything. Plenty of people call to find out where they stand, then take their time.
It depends on your situation and your lender, so we’ll tell you what to expect on the first call. When time matters, we move quickly.
A “no” from one bank isn’t the end of the conversation. We work with lenders who care more about the equity in your home than your income or credit score.
For self-employed clients, bank statements or T1 generals can be enough. We’ll tell you exactly what’s needed up front.
Ontario homeowners with equity in their home, whatever their work situation. If you own your home, you have options. If you don’t own a home yet, we’re not the right fit.
It costs nothing to get good advice.
