or call Toronto 1.416.410.3842 or Toll Free Canada 1.877.410.3842
InsuranceAndMoney.com helps you get a mortgage approval
InsuranceAndMoney.com sends your applications to a licensed mortgage broker at C.M.B. Canada Mortgage Brokers Inc. “CMB” will help you obtain Free mortgage approvals. When you authorize the brokers to look up your credit bureau they will work with you to match up lenders who can approve your mortgage.
We help those who have been declined for a mortgage
CMB helps many Canadians get a mortgage approval, and a licensed broker can help you match with a lender that doesn’t put as much emphasis on only your credit bureau history. There are over 32 lenders across Canada that specialize in various mortgages. Any lender will approve the applicants with the best credit and income statements, but we have many trusted lenders who help those that are having difficulty buying or refinancing.
Self Employed
Bank Declined
No proof of income, No Notice of Assessment, or No financial statements
New Immigrant or non-resident
Bad credit history or low beacon score
Past bankrupt
Higher loan to value than your bank
Special property or land finance
A good credit bureau report isn’t always enough to get financing
It can be difficult for most consumers to deal with 32 Canadian lenders such as banks, insurers and investment firms. Sometimes you may have good credit, but your income isn’t enough to get an approval. InsuranceAndMoney.com can help you shop for the approval to all the lenders for free. The licensed brokers are paid by the lender—not you.
Get a free copy of your Credit Bureau Report
You may obtain a free copy of your credit report by calling Equifax Canada at 1-800-465-7166. By law you have a right to order a copy of your personal or business credit report for free. Usually Equifax will ask that you provide two pieces of identification and for your protection they will only mail your report to your address, usually within a week. Their website is www.equifax.ca. You may also visit www.transunion.com for a free personal credit report.
Beacon scores can get you approved and declined
Many lenders have adopted the beacon score into their mortgage decisions. This new era has left many borrowers asking why they are not approved or why rates are higher because of the beacon score. It’s hard to understand lenders decisions, especially when they are tied to numbers and statistics more than ever before. CMB negotiates approvals for borrowers with beacon scores of less than 600, where most lenders decline these applicants. Call us today and start enjoying the fun things in life.
