Looking to Purchase a house?
Whether you’re a first time home buyer or looking to purchase a rental property, Lending Circle can help you obtain the best rate mortgage. We work with Banks, alternative & private lenders to accommodate clients with all types of credit & income. Banks can only offer you their products while we can review products from various lenders all at the same time to ensure you’re getting the best mortgage possible.
We can help even if your bank has declined you for any reason. We work with many alternative lenders who offer flexible lending criteria to help you become homeowners. Knowing the amount of down-payment required, estimated mortgage amount, mortgage payments & other requirements for mortgage can help you plan ahead.
Business for Self Mortgages
As a self employed individual, it is not easy to qualify for a mortgage with major institutions. At Lending Circle, we help you find the right mortgage based on your business income. Most banks will qualify you based on 2 years’ average income on your notice of assessments. This doesn’t always work for self employed individuals because of business expenses deductions or lack of fixed salary/wages.
We work with alternative lenders who can qualify using income verified via bank statements. We can even work with bruised credit/lower credit score. If you are self employed looking to purchase or refinance, call us to know your options.
Mortgage Pre-Approval
Mortgage Pre-Approval is a crucial step in the home buying process. Our team will review various factors and help you determine a mortgage amount that you can be pre-approved for. After factoring in your down payment, this helps you determine how much you can spend on a house. Most real estate agents will require you to get a pre-approval for the mortgage. Our team will work with you to determine the appropriate mortgage amount & make sure you will be able to meet all mortgage conditions. We will advise you of all document requirements along with a pre-approval beforehand to ensure smooth home buying process.
