Exclusive Services
Fortune Link Mortgage Group-Mortgage Architects has formed partnerships with over 50 banks, financial institutions, and funding companies. These alliances enable us to deliver tailored solutions and industry-leading professional services to our clients. Our unwavering commitment to transparency and customer satisfaction is evident in our fee structure. We do not charge any fees until the loan is successfully funded. Our dedication to providing exceptional customer service extends beyond funding. We offer excellent follow-up services after the mortgage is funded, providing peace of mind throughout the mortgage process and after its completion.
Purchase
Whether you are a business owner, new immigrant, resident, work visa holder, or low-income earner in Canada, and are looking to purchase a home or investment property, our team of professional lending specialists can help. We understand that everyone's situation is unique, and we will work with you to create a personalized mortgage plan that meets your specific needs and circumstances.
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Purchase of owner-occupied or investment properties:
· Self-employed individuals/salaried employees
require a minimum of 20% down payment
· Individuals with low reported income
require a minimum of 20% down payment
· Refinance: up to 80% of the property value can be borrowed
· Work visa holders/Non-Canadian tax residents
require a minimum of 20% down payment
· Low credit score requires a minimum of 20% down payment
· No limit on the number of investment properties owned
· Luxury home loans: up to a maximum of 30 million dollars can be borrowed
Refinance
If you are interested in obtaining cash through Refinance, we are here to assist you. Our team can help you explore your options and create a customized plan that meets your needs. Whether you are self-employed or salaried, we have the expertise to help you secure the optimal amount and interest rate.
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Low down payment | Bruised credit | Limited taxable income | Multiple investment properties | Tight turnaround time | Large loan amount | Debt consolidation
Commercial Mortgage
Our team has successfully closed some of the most challenging commercial loans and secured financing where others have not been able to. We pride ourselves on our ability to find creative solutions and navigate complex financial situations.
Whether your business is small or large, we are here to help you expand your territory quickly. Contact us today to learn more about how we can assist you in achieving your business goals.
· Mixed/Special-Use Commercial Properties
· Development Sites
· Multi-Unit Residential Properties
· Agricultural/ Farm Land
· Commercial Condo Units
· Construction Development Projects
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Bridge Loan | Refinance mortgage | 2nd / 3rd Mortgage | A Lender /
B Lender Mortgage | Long-Term Fixed-Interest Commercial Mortgage
Reverse Mortgage
If you are in need of cash after retirement, a Reverse Mortgage may be a great option for you. This type of loan is designed for individuals over the age of 55 who own or are in the process of paying off, their property.
With a reverse mortgage, you can turn a portion of your home equity into a source of cash, providing access to a reliable source of tax-free funds with no monthly payments-all while maintaining home ownership.
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You may be eligible for a Reverse Mortgage
If: You are a homeowner, aged 55 or older
· You live in a city or large town in British Columbia, Alberta,
Ontario, or QuebecYour home is your principal residence for at
least 6 months per year.
· All title holders of the residence apply as joint borrowers
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Contact us today to learn more about how a Reverse Mortgage can help you achieve your financial goals during retirement.
Private Mortgage
Private mortgages offer advantages for both borrowers and lenders. Borrowers may access financing that is not available through traditional institutions, while lenders may earn higher interest rates and potentially generate significant returns. Private mortgages are an optimal choice for short-term loans, quick funding, or for obtaining a 2nd or 3rd mortgage.
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Purchase a owner-occupied home or investment properties:
Private 1st Mortgage
· Rate starts at 4.99%, funds can be funded quickly
· Low down payment and low credit score are both acceptable
Suitable for quick closing, urgent business needs, renovation, delayed bank approval, debt consolidation, self-employed/salaried, etc.
Private 2nd Mortgage
· Starting from 6.99%, funds can be funded quickly
Suitable for obtaining down payment for existing home for a new purchase, low credit score, quick closing, urgent business needs, renovation, delayed bank approval, consolidation, self-employed/salaried, etc.
APR FROM 10%
*The Annual Percentage Rate will be higher than the Annual Fixed lInterest Rate as it includes the Lending Fee & Costs
