I work with alternative and private lenders who look beyond bank-standard rules — for self-employed income, credit challenges, high debt ratios, and more. No judgment, no pressure, just a straight answer on your real options.
I'll tell you honestly what's possible — no pressure, ever.
If any of this sounds familiar, there's a good chance we can find you a real path forward.
Banks often can't work with self-employed or stated income — alternative lenders are built for exactly this. Let's find a lender who understands how you actually get paid.
A difficult chapter doesn't have to close the door on homeownership or refinancing. There are lenders who look at your full picture, not just a score.
If you own a home, your equity may still open doors your bank won't — including consolidating debt into one manageable payment.
Mortgage Agent Level 1, Perch Mortgage Brokerage, FSRA Lic. ON#13263.
If there isn't room to improve your situation, I'll tell you plainly — no hard sell.
Working with lenders beyond the big banks, built for situations banks typically decline.