"Zero Down Payment" Mortgages

I specialize in helping people like you to qualify for a home of your own, with no money down. 

Since October of 2008, the chartered banks in Canada stopped allowing the purchase of a home without a down payment.  We still have 2 lenders that will still provide zero down payment mortgages for our clients. 

Your credit does not have to be perfect to qualify for this program.  However, your credit score still needs to reflect some good credit.  Call us to arrange for us to review your credit bureau with you.  We can usually let you know within about 15 minutes if you will qualify, and if so, for how much money.

What about Self Employed people?

While self employed people can qualify for this program, it is more difficult.  We would need to see the last 2 years of personal and company tax returns in order to assess whether you can qualify if you are self employed.

Should I wait until I have a down payment instead of buying with Zero Down?

The difference in the amount of interest that I will pay over 5 years with a zero down payment mortgage is about the same if you had a down payment.  So there is really not compelling reason to wait.