First And Second Mortgage Solutions

Home purchase is probably one of the biggest investments people make in their lives. It is the biggest asset most people have and it is essential to get the most out of this large investment.

At JD Lending, we understand that each person has a unique background, financial situation and goals.  We ensure that we get to know you and your situation so that we can offer you the best solutions for your first or second mortgage.  Regardless of whether you are self-employed or are facing financial challenges or are a new immigrant to Canada, we guarantee the best possible mortgage solution and rate. We give you all the information and answer your questions in detail so you can understand the financial commitment that you are getting into. We help you explore all your options before deciding what’s the best solution for your unique needs.  It is our goal to help you make an informed decision for the biggest purchase you will make at any time.

Mortgage Options
At JD Lending, we offer a variety of products and services, keeping in mind different needs and financial backgrounds. There are many mortgage options with varying terms and conditions that are available in Canada.  We have the expertise to help you understand the pros and cons of each solution.

We offer several mortgage options:

  • Term mortgages
  • Conventional mortgages
  • Prime mortgages

Choosing the type of first or second mortgage is only part of the solution. Our services include advising you of the following as well:

At JD Lending, we help you get a pre-approved mortgage.  This can help you get a clear idea of what you could are eligible for depending on your financial situation, credit score and your employment history and income. This is a no-obligation service that will save you a lot of time and disappointment if you are not approved at the last minute. A pre-approved mortgage is an important step in the mortgage process that we can help you with before you go house hunting.

Debt Consolidation 
Many Canadians are taking advantage of debt consolidation to reduce financial burdens and to be able to pay off the debts sooner. Debt consolidation has many benefits like:

  • Reduced interest rate
  • One monthly payment
  • Ability to pay debt sooner
  • Eliminate calls from collectors
  • Improve credit rating in the long run

To understand whether debt consolidation is a solution for you, contact our team at JD Lending for advice and analysis of your financial situation. We will definitely help you with all the information and resources you require for debt consolidation.

Home Equity Loans 
As time goes by, our life situations change as well. With that change the needs for space, upgrades and comfort in your home. Maybe your home needs sprucing up inside or outside, maybe you need to update the kitchen or you want to build an addition. Whatever your renovation needs or budget, a home equity loan can be the solution for you. The equity in your home can be used to borrow funds for your projects.  Come and see us if you are considering renovations in your home so we can assist you with financing via a home equity Loan.  At JD Lending, our team has extensive experience and will provide you with the best possible solution.

Bridge Financing 
Sometimes a home that you purchase closes before the home that you are selling. Bridge Financing helps you with short term financing to “bridge” the gap between the two closing dates. See our mortgage experts to help you wit securing a bridge loan with your mortgage.