I have a down payment, and ok credit
Congratulations on working hard to save up for your purchase! If you’re ready to buy or renew, and want the best rate and terms, give us a call. As brokers, we pride ourselves on shopping for the most competitive and flexible products.
I want to own a home, but I am worried about my credit
Struggling with debt, bad credit, or past bankruptcy. Serenity Mortgage has a variety of different lenders to help with mortgage financing even when you’re credit has been through tough times. Every situation is unique. We are here to listen, and we are here to help. You don’t need bank approval to make your dreams come true.
No matter where you are on your financial journey, we will meet you, build a strategy, and walk you to where you need to be.
I have never owned a house before
Buying your first home is exciting! But look before you leap – check in with us first and get the home buying 101 facts. From budgeting to hidden costs, let’s talk about everything that will happen to you, step by step. We’ll help you find the best mortgage to buy your dream home.
Need a pre-approval before you go house hunting? Find out how much you can afford before you shop!
I don't have a down payment
There are a few different ways to tackle a down payment – let’s get together and talk about whether you should access a grant, a loan, or use tax planning strategies to get the money together. Home ownership can happen a lot faster than you think.
I have a mortgage, but I need a better rate
Rates are historically low, so don’t pay more than you have to. If you see current rates, and wonder why yours isn’t the same, or better, call us.
I am self-employed
You run a business and the bank doesn’t understand, do they? It’s ok. We get it! Serenity Mortgage offers a variety of competitively priced solutions to help you with your mortgage needs.
I need a second family home / I want a rental property (or two!)
Serenity Mortgage specializes in second family homes, for as little as 5% down. Kids going away to school? Need a commuter home? Talk to us.
For those who wish to start an investment property portfolio, talk to us first. We will build a financial strategy that will help you spend as little of your own cash as possible to get the best return on investment.