{"id":56,"date":"2016-09-13T15:08:23","date_gmt":"2016-09-13T19:08:23","guid":{"rendered":"http:\/\/dev22.604media.com\/DLC_contemporary\/?page_id=56"},"modified":"2026-09-08T18:10:37","modified_gmt":"2026-09-08T22:10:37","slug":"lenders-associates","status":"publish","type":"page","link":"https:\/\/hosseinfiroozsani.ca\/en\/about\/lenders-associates\/","title":{"rendered":"My lender network"},"content":{"rendered":"

A bank has one catalogue. I have dozens.<\/strong><\/p>\n

As a broker affiliated with Dominion Lending Centres, I have access to a national network of lenders. That does not mean I submit your file everywhere \u2014 it means I choose the one that matches your profile, instead of forcing you into a single lender’s mould.<\/p>\n

The four families of lenders<\/h3>\n

Chartered banks and credit unions.<\/strong> The most competitive rates for a strong file: stable income, good credit, conforming down payment. That is the first place I look.<\/p>\n

Monoline lenders.<\/strong> They do mortgages only and work exclusively through brokers. Often very competitive, with more flexible prepayment terms than the big banks. You cannot access them directly.<\/p>\n

Alternative lenders.<\/strong> Built for the files banks decline: self-employed, income that is hard to document, credit being rebuilt, newcomers to Canada. The rate is higher, but it is often a solution for one term while you qualify elsewhere.<\/p>\n

Private lenders.<\/strong> For urgent or highly unusual situations \u2014 a tight deadline, an atypical property, a file temporarily blocked. Expensive, and always treated as a bridge with a written exit plan.<\/p>\n

How I choose<\/h3>\n

The rate matters, but it is not alone. I also look at prepayment penalties and how they are calculated, lump-sum privileges, portability if you move, flexibility on qualification criteria, and turnaround times. Two offers at the same rate can cost very different amounts over five years.<\/p>\n

One thing that matters:<\/strong> I do not submit your application to ten lenders hoping one says yes. Every credit check leaves a trace on your file. I target the lenders best positioned for your profile and present the file once, properly.<\/p>\n

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Tell me where you stand and I will tell you which type of lender fits your situation.<\/p>\n

Let’s talk about your file<\/a><\/p>\n

or call directly: 514-889-4667<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

At Dominion Lending Centres we have worked to create an exclusive in-house line up of mortgage products that will meet the needs of most Canadians.<\/p>\n","protected":false},"author":1,"featured_media":289,"parent":12,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"yoast_head":"\n\n\n\n\n\n\n\n\n\n\n\n\t\n\t\n\n\n\t\n