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                      First Mortgages

                      Whether your client is a first-time homebuyer or one looking to move up to a larger home but can’t qualify for a traditional bank mortgage, then a CMI First Mortgage might be the right option.

                      A CMI First Mortgage is generally short-term with interest-only payments, and ranges from three to twenty-four months, though custom terms are available. Our private first mortgages can also benefit clients who:

                      • Need quick financing without the long approval process of a traditional lender
                      • Have non-traditional income sources (i.e., business for self, performance-based)
                      • Require short-term financing
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                      First Mortgages Case Study

                      Mrs. X story

                      Mrs. X needed to settle arrears on her home after receiving a foreclosure notice that resulted from a lengthy and difficult divorce. She was awarded the home in the divorce settlement, and the borrower’s former partner, Mr. X was responsible for making the mortgage payments. However, when Mr. X failed to meet his commitments, Mrs. X received a foreclosure notice.

                      CMI provided Mrs. X with a $570,000 mortgage on the detached owner-occupied property valued at $720,000 (73% LTV) at 6.99% on a 12 month closed term. The financing provided through the CMI First Mortgage was able to keep Mrs. X in her home and settle those arrears.

                      Second Mortgages

                      Mortgage Bundles

                      Equity Mortgages

                      Bridge Mortgages

                      Home Renovations Financing

                      A Team of Lending and Mortgage Experts

                      With a strong understanding of the direct private lending and mortgage markets. CMI’s team of experienced and knowledgable mortgage underwriters are able to structure deals to meet to specific needs of your clients.

                      As we know, no two borrowers are alike. Our team excels at strucuturing mortgage solutions for borrowers who dont fall into the conventional guidelines that many of the banks and insurance companies must follow.

                      We looked beyond crediit scores and traditional sources of income to deliver customized financing solutions that not only make sense but add value for you and your clients.

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                      Canada’s Private Leading Lender

                      As a trusted and highly respected private lender in the Canadian marketplace, we provide a variety of customized mortgage solutions to fit even the most complex client portfolio. Our goal is to enhance the service we offer you, and includes the following :

                      1. Same Day Approvals
                      2. 1-hour response times
                      3. A ‘makes sense’ Income approach

                      You will find an array of information and resources here to help you with your next mortgage transactions. Be sure to come back regularly as we add new content and resources to this site.

                      Have you registered yourself or your business so you can submit your mortgage deals to CMI? If not, please complete our Contact Form, clearly indicating your interest in registering with us. Once you have been approved, you will be able to gain access to our online mortgage submission system.

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                      Custom Terms and Payment Options

                      CMI offers flexible terms that typically range from three to twelve months no matter what mortgage product your client needs. You can always contact your Business Relationship Manager or Underwriter if you need a shorter or longer term.

                      In addition, CMI wants to work with your clients to provide flexible payment terms and prepayment options. Borrowers generally make monthly payments toward our private mortgages, however we can also arrange to prepay their mortgage for a portion or for the full term.

                      Prepayment options

                      A CMI private mortgage is generally open on three months prepayment. This differs from our competitors who generally charge interest payments to the end of the term.

                      If your client wants to payout the remainder of their mortgage, they can simply make a three month prepayment. If the prepayment is in the last three months of the mortgage, the client only needs to prepay the interest owing for the remainder of the term.

                      Mortgage Submissions

                      At CMI, we consistently stay on top of market trends and continue to make significant investments in technology and innovation to better serve you. Submit your deals to us via Filogix, Velocity, or Lendesk. When submitting your applications:

                      • Select the “Private” option under “Lender Type”
                      • Select Canadian Mortgages Inc. under “Lender”

                      Once you submit a complete broker submission package with all the necessary documentation, we can provide your client with an approval and a commitment in as little as three hours.

                      You can also review the status of your mortgage submissions online at any time. Once a file is complete, CMI can close a deal in as short as two to four days (or even faster on a rush basis).

                      Learn More about Mortgage Submissions Guidelines
                                         

                      Looking to partner with us?

                                         

                      Complete our Contact Form to register with us, and you will hear back once you’re approved. As a preferred broker partner, you can send deals directly to us.

                      In addition, as our preferred partner, a Brokerage Relationship Manager is always available to help, whether you have a general question or want to discuss possible solutions for a specific client situation.

                      Contact Us

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