Monday September the 6th, 2010 
Cecilia Ramos
Mortgage Broker Lic. M008002669

Ultimate Mortgage and Finance Solutions Inc FSCO Lic 11995
Brokerage
Independently owned and operated.


Cell (416)728-1562              Office (416)757-9957
Mortgage Information  
Self Employed

Self-Employed?  Credit Issues?  Unique Income Situation?

Financing Considerations for Non-Traditional Borrowers/Situations


Below we have provided a list of the most common non-traditional situations, however, please note, that not all situations are listed and each is looked at on a case-by-case basis to fit with the appropriate lender each situation is unique and looked at accordingly. 

 Self Employed


Employment - Self-employed
- Recent job start/change
- Work experience outside Canada		 - Lack of work history
- Part-time
Income - Non-verifiable
- Salary + commission
- Seasonal

- Commission
- Salary OT and/or bonus
Credit - Spotty/bad credit
- No credit

- Good, but a lot of credit
- Previously bankrupt
Property - Rental
- Construction
- Cottages/vacation homes
- Multiplex

- Investment
- Rural/acreage
- Mobile homes
Status - Non-resident - New immigrant
Financial - Zero-down - Purchase plus improvement


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