Getting a mortgage can be very stressful and challenging.

Typically, there is extensive paperwork, questions, and various roadblocks. It seems like the questions never stop coming, and the information you provide is never enough. 

Calvert Home Mortgage is different, and we offer an experience that is straightforward and makes you feel at ease. We have brought functions of the mortgage transaction process in-house to make it effortless: in-house valuations, title insurance, and legal work. 

This ‘you-first’ approach makes us unique in the market and ensures that we take care of your needs.

A Much Simpler, Friendlier Way To Build Your Financial Foundation

Are You Someone Who Is:

Calvert Home Mortgage | Homeowners
  • Looking to purchase a personal residence?
  • Interested in buying an investment property?
  • Needing to refinance an existing mortgage?
  • Seeking a new first or second mortgage?

BUT…you were declined by other lenders?

So, your challenging circumstances brought you here. We understand that everyone’s situation is unique, and we work with you and your mortgage broker to determine the best plan forward.

Here’s what to expect with Calvert Home Mortgage:

STEP 1:

Our underwriters will review your situation, ask the right questions, and listen to you. We aim to understand your roadblocks, and determine if we can assist.

STEP 2:

If it’s a go-ahead, we conduct a free valuation of your property to determine the value. We will interview you, prepare a commitment letter and review our proposed financing option with you.

STEP 3:

Once you agree and virtually sign, our team will prepare the legal documents and send them to your lawyer to complete the transaction. There is no cost for us to prepare these legal docs (wow – that’s different!).

STEP 4:

Once you sign the documents with your lawyer, funds are requested, and the mortgage is complete. Congratulations, homeowner!

What’s standing in the way of you getting the mortgage you need?

Under a Tight Deadline

Do you need to close on a purchase, refinance, or take out equity on a real estate property – and fast? Your rush might be the result of an emergency, and most banks cannot close on time. 

The Calvert Home Mortgage team works with you and your mortgage broker to gather the documents you need, approve you, and fund your mortgage in less than 24 hours. When time is critical, you can rely on us to give you the answers and the money you need.

Unable to Get Out of Debt

Have you accumulated high-interest rate credit cards and other debt with large monthly payments that seem like a burden to banks? Maybe you are struggling to keep up and are fielding debt collector calls, which creates so much stress.

We offer the opportunity to pay off your high-interest debt in exchange for a lower interest rate and lower monthly debt repayment obligations. Then we work with you and your mortgage broker to improve your credit and get you refinanced with a long-term lender.

Dealing With Credit Challenges

Are you unable to consistently make debt payments, resulting in a low credit score? You are much more likely to get a mortgage from a bank after repairing your credit. 

We can assist with short-term financing to help restore your credit.

Need Help With A Bridge Loan

Do you need a temporary mortgage to assist with the gap between when your existing home sells and your new home is purchased? 

Bridge financing enables you to use the equity in your current home to buy the new home – all while waiting for your existing home to sell.

Self-Employed

Are you in business for yourself and face a challenge getting traditional bank financing? Being self-employed has many rewards. Unfortunately, when it comes to getting approved for a mortgage, it can cause roadblocks. Perhaps it’s because of the flexibility in how you pay yourself for tax purposes. Maybe you do not have the necessary financial documentation to be approved by a bank. 

We understand what it means to be self-employed and use reasonable methods to validate income to make a mortgage possible. We will work with you and your mortgage broker to build a plan to get you financed.

Overwhelmed with Tax Debt

Have you fallen behind in your tax payments or have outstanding property tax bills? Maybe you are negotiating with the tax department to settle past tax debts. Banks will not provide a mortgage to an individual with tax arrears. You must bring your tax debts up to date. 

We help you get tax debts paid so that your mortgage broker can get you back to the bank as quickly as possible.

Own A Non-Conforming Property

Are you a homeowner or investor with a multi-purpose zoned property, including commercial and residential use? These properties can be challenging to get the right financing. Calvert Home Mortgage can help!

New Canadian

Are you a newcomer to Canada? It’s an exciting journey to move to a new country and establish a new life for you and your family. However, it can be challenging to build good credit and demonstrate eligibility for financing through a bank. 

Getting a mortgage can be a struggle, and we are here to help you access the capital you need. We will work with you and your mortgage broker to develop a homeownership plan that makes financial sense.

We Know That You Want Security For You & Your Family

Why Choose Calvert Home Mortgage?

We have been in business since 1975
We are honest, authentic, and caring
We guide you to make sound financial decisions
We offer a simple, low-stress process
We explain your options clearly
We never charge application fees or other upfront costs

Calvert Home Mortgage takes care and pride in your financial success.

We want to see you succeed, which is why we work with your mortgage broker to set you up for success so that you can refinance with a bank as soon as possible.

Your Story Is More Important To Us Than Your Credit

Meet our team of experts.

The Calvert Home Mortgage Team is committed to providing Mortgage Brokers with up-to-date industry information and resources:

Reports

Read more

Mortgage Calculators

Read more

Educational Videos

Read more