Special Situations

• Not everyone qualifies for a mortgage due to past circumstances.
• There are lenders who will consider applicants who do not qualify for a mortgage at their own bank.
• If you have been bankrupt, you need to have been discharged for at least one to two years to qualify and have some new credit established.
• Down payment can be created in some circumstances
• Self employed individuals normally need three years of financial statements to qualify, but there are lenders who will overlook this.
• 100% financing is available to individuals with good credit and established employment who are purchasing a home in the city or township.

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