Residential Mortgages

At DLC – Dream Home Financing Solutions, we offer an enviable gamut of residential mortgages, not to mention ensuring a smooth and worry-free borrowing experience. Explore mortgage for your first home, investment property purchase, second mortgage, debt consolidation loans, private mortgages, loans against home equities. A, B and private lending.

First Time Home Buyers

Embarking on the exciting journey of becoming a first-time homeowner happens to be a significant milestone in the life of an average Canadian, and at DLC – Dream Home Financing Solutions, we understand the unique challenges that they continue to come across.

Providing comprehensive support, from explaining loan options and government programs to securing competitive interest rates, our company is committed to guiding them through the complexities of mortgages. We aim to empower our clients with knowledge and confidence so they can decide with great ease what may work best for them.

Investment Property Purchase

For investment properties, it is common to have a higher down payment, that is 20% of purchase price and lender may charge premium on the mortgage rates. Lenders view investment properties as riskier because borrowers may attach more value to their primary residence in times of financial hardship and be less interested in keeping the former kind.

At DLC – Dream Home Financing Solutions, we specialize in facilitating seamless investment property purchases, and whether you are a seasoned investor or a first-timer, our expert team is dedicated to helping you find the best loan options whilst securing the most competitive rates.

Second Mortgage

You can unleash the equity accumulated in your home with a second mortgage, which involves borrowing against the difference between the market price of your property and the outstanding balance on your primary mortgage. At DLC – Dream Home Financing Solutions, we offer two popular avenues to tap into this equity, namely, a home equity loan or a Home Equity Line of Credit (HELOC).

A second mortgage provides flexibility to allocate funds for various requirements. Several homeowners opt for this option to consolidate debt, particularly to pay off high-interest credit card debts. In addition, it serves as an excellent means to finance critical home improvements or major repairs so you can improve your comfort level and enhance the financial worth of your living space.

At DLC – Dream Home Financing Solutions, our primary concern is to help you determine in the first place if a second mortgage aligns with your unique requirements. We take immense pride in providing curated information to empower your decision-making process, and from application to approval, we stand by your side, offering unfaltering assistance throughout the entire lending journey. Rely on us to sail through the intricacies of securing a second mortgage as we ensure that you embark on the most advantageous path possible.

Debt Consolidation

Take control of your finances through debt consolidation, which involves amalgamating multiple debts into a single, manageable loan, and benefit from simplified payments along with potentially lower interest rates.

Relentlessly collaborating with our borrowers, we evaluate the respective financial situations of each to create a tailored debt consolidation plan that aligns with the requirements and objectives of the borrower in question.

You can ease the challenge of managing multiple debts and streamline your monetary practices for greater efficiency with our guidance. Let us empower you to regain control and pave the way to a debt-free future.

Private Mortgage

Recognizing that traditional mortgages may not be a perfect fit for everyone, at DLC – Dream Home Financing Solutions, we propose private mortgages as a viable alternative. Purpose-designed for borrowers with unique financial situations or challenges, they offer not only flexibility and bespoke provisions but also everything that conventional lending institutions fail to provide.

Whether you have a lower credit score, are self-employed, or possess a property that does not come under the scope of standard classification, we can suggest a private mortgage solution to meet your specific circumstances. With quick approval and efficient processing, we guarantee an effortless borrowing experience. Opt for DLC – Dream Home Financing Solutions to explore the innovative realm of private mortgages and pave the way to accomplish your real estate aspirations.

Home Equity

An equity takeout mortgage, also known as a home equity loan, is precisely what it sounds like—a financial instrument that you may use to extract equity from your property.

Whether you are looking to finance a home renovation, settle significant debts, or fund a down payment on an investment property or vacation home, it allows you to access the built-up equity in your property.

If you have sufficient home equity, obtaining the right mortgage can prove to be quite straightforward, and at DLC – Dream Home Financing Solutions, we specialize in helping our borrowers identify the simplest and the least time-consuming path to obtaining home equity loans.

A Lender / B Lender / Private Lender

Acknowledging the unique financial situation of every borrower, at DLC – Dream Home Financing Solutions, we present a diverse array of financial options, such as borrowing from A, B, or private lenders.

For the uninitiated, A Lenders represent traditional banks and financial institutions, which provide competitive rates and loan terms tailored that are best suited to borrowers with robust credit and stable income. However, B Lenders cater to individuals with less-than-perfect credit or unconventional income sources and offer alternative lending solutions.

For those who are in the quest for more flexible terms or facing credit challenges, our expansive network of private lenders is at your disposal. They provide generous financing options with lenient qualifying criteria, which are generally based on the value of the property that an individual is interested in purchasing rather than the credit history of that particular borrower. Regardless of your financial background, at DLC – Dream Home Financing Solutions, we diligently work to connect you with the right lender as you inch toward your dream home.