Frequently asked questions.

A private mortgage is a loan funded by a private lender or investor instead of a bank. Approval is based primarily on the equity in your property rather than your credit score or income documentation. It's often used for short-term needs while you reposition to qualify with a traditional lender.

Yes. We work with alternative and private lenders who look at the full picture — equity, employment, and your plan — not just your beacon score. Many of our bad-credit clients refinance back to prime rates within 12–24 months.

A no-docs (or stated-income) mortgage waives the standard income-verification documents like T1 generals or pay stubs. It's commonly used by self-employed Canadians whose tax returns don't reflect their actual earnings. Down payment requirements are typically higher.

For straightforward private and emergency files, conditional approvals can land in 24–48 hours and funding in 7–10 business days. Standard refinances and purchases typically run 2–3 weeks from application to close.

Power of sale is the legal process a lender uses to sell your home after extended mortgage arrears. We've helped many Ontario homeowners stop power-of-sale proceedings by arranging emergency refinancing that pays out the existing lender and brings the file current — often in days.

No. Initial consultations are always free, confidential, and carry no obligation. On most prime and alternative mortgages our compensation comes from the lender; on private deals any fees are disclosed upfront in writing.

Jay is licensed in Ontario and works with clients across the GTA, Peel, York, Durham, Halton, Hamilton, Niagara, and beyond. Most files are handled remotely with digital document collection and e-signing.

Through Real Mortgage Associates and the DLGC Group, Jay has access to all major Canadian banks, credit unions, mono-line lenders, alternative B-lenders, MICs, and private investors — over 50 active relationships.