Residential Mortgage 
If you are ready to close on your next home, let us arrange the mortgage financing on your behalf. With electronic access to  over 30 lenders will ensure that you receive the best rate for the product of your choice, usually within 24 hours!

First Time Buyer 
Are you a first-time buyer? The residential property you are about to purchase is probably the largest single purchase, and biggest investment decision you have had to make in your life so far. Let us help you through the confusing maze of lender options, mortgage documentation, and terminology you are dealing with as you work your way through this process. 

We will provide a mortgage pre-approval, which strengthens your position when negotiating the purchase price of your home. Call or apply online now, and we will get the ball rolling for you. 

Debt Consolidation 
Have you hit a credit crunch ? High interest debt on credit cards can create a lot of stress. If you are finding there is more month than money, then perhaps it’s time to review your debt situation and consolidate your high interest debt into one low manageable monthly payment. Stop losing sleep, call or apply online now. 

Equity Take-Out 
If you have been living in your home over the past 5 years, you have probably had your net worth increase by a substantial amount. The problem is that net worth is not very liquid. 

If you are ready to invest in your own small business, or you need to fund your daughter’s university tuition, your home equity can be a ready source of cash to finance your dreams. Call or apply online and we can discuss a plan to get your plans moving today. 
 

Mortgage Renewal 
Is your mortgage up for renewal? Do you want to be sure you are getting the absolute best mortgage rate in the market today, the rate you deserve? Call or apply online and we will get the best the market has to offer. Click here to sign up for our Renewal Alert.

Personal Line of Credit 
We can arrange a convenient personal line of credit at very competitive rates secured against your residential property. 

Past Credit Problems / Credit Rehabilitation 
Do you have less than perfect credit, or have you declared bankruptcy? We may be able to help. 

Self-Employed? Credit Issues? Unique Income Situation?

Financing Considerations for Non-Traditional Borrowers/Situations

Cal LeGrow Mortgage can get you a mortgage in most situations regardless of your circumstances. Where traditional financial institutions have given the answer “No”, we routinely say “Yes” and get you a product that suits your needs at an extremely competitive rate. 

Below we have provided a list of the most common non-traditional situations, however, please note, that not all situations are listed and each is looked at on a case-by-case basis to fit with the appropriate lender – each situation is unique and looked at accordingly. This is where the expertise and knowledge of our team is essential in taking care of you and your family.

If you would like to purchase a residential property or refinance a property you already own  we may be able to secure mortgage financing for you. Please note that in some circumstances a fee may be required, but if this is the case, it will be disclosed upfront and agreed to in writing prior to working on your file. Call or apply online. 
 
 

Employment - Self-employed	- Recent job start/change - Work experience outside Canada	- Lack of work history - Part-time
Income	- Income - Non-verifiable - Salary + commission - Seasonal	- Commission - Salary + OT and/or bonus
Credit	- Spotty/bad credit - No credit	- Good, but a lot of credit - Previously bankrupt
Property	- Rental - Construction - Cottages/vacation homes - Multiplex - Investment	- Rural/acreage - Mobile homes
Status	- Non-resident	- New immigrant
Financial	- Zero-down	- Purchase plus improvement

If you fall into one of the categories above, or if you have a different situation, Cal LeGtow Mortgage's  expert mortgage consultants know where to go and how to structure the deal. Contact us immediately and have peace-of-mind that your mortgage needs are being well taken care of.

Builder's Mortgage 
Are you building your dream home, and acting as your own general contractor? We can help by arranging the most competitive builder’s mortgage products in the marketplace with up to 3 to 5 construction draws over the construction phase of your project depending on its complexity. Call or go online and apply today. 

Commercial Projects 
We have a number of both institutional and private lenders in our network that are available to fund commercial real estate projects in Newfoundland Labrador. Contact us for more details. .