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Regions served: Montréal, Laval/Rive-Nord, Laurentides
Languages: English, French
Specialties: Residential Mortgages, Alternative LendingApply Now
Buying a house, one of the biggest decisions in your life, also a stressful one considering the amount of investment you need to consider. Let a mortgage specialist find the best package that will fit your needs.
You are self-employed, a professional, a salaried employee, an investor, a non resident or a newcomer to Canada? You are looking to purchase your first home, refinance for renovations, consolidate your debts or simply looking to renew your mortgage?
Choose Jean-Claude Hébert and Mortgage Intelligence! I am here to listen and guide you in the right direction.
My services are free, personalized and professional.
My Priority? Your Interest!
7 reasons to use a Mortgage Broker over your BankCheck it out
With the ever-changing market and a stricter stress test, many Canadians are finding it harder to qualify for a mortgage through traditional financial institutions “A-Lenders” and are turning to alternative lending solutions for their mortgage. At Mortgage Intelligence we work with many alternative lenders, who can offer excellent mortgage options with more flexible criteria and more lenient qualification requirements.
Alternative lenders are great for individuals who have non-traditional forms of income for example, capital gains, room rental income, child tax benefits and others or for self employed applicants who may not have the minimum required number of years being self employed.
These lending solutions are also a good option for those with lower credit scores. While the rate they offer is slightly higher than what you will see posted by an A-Lender, they are nothing out of the ordinary when compared to traditional rates posted in Canada. They also generally have shorter terms, meaning that you can get into the home of your dreams while being able to rebuild your credit at the same time.
Buyers who don’t qualify under the mortgage stress test can also take advantage of the expanded debt service ratios allowed by alternative lenders to qualify for a mortgage and get into the home of their dreams. If you have a very unique situation, we also have access to various private lenders who are even more flexible and lenient in requirements and may be able to offer you mortgage options that fit your situation. In today’s environment, we’re seeing more private lenders helping Canadians with their mortgages.
Call your Mortgage Intelligence professional to find out about the different options available to you. They are experts when it comes to mortgage products and different solutions and will provide you with unbiased advice. They work for you, not the lender.
Today's Exclusive Mortgage Intelligence Rates
As of August 16, 2022
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* Insured mortgage rates, subject to change. Conventional and refinance rates may be higher. OAC. E&OE