We offer two main product lines; mortgages, and commercial & leasing.

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Residential Mortgages 

Mortgages are our bread and butter.  This is our main product and business and we have many options available for all types of customers.  Check out the services tab to find the right product and service for you.

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Product Types:

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Fixed Mortgage Rate

• Terms range from 1-10 years

• Rate is guaranteed for the term selected

• Higher penalty if you break the term

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Variable Mortgage Rate

• Terms are available in a 3 or 5-year term

• Rate is based on the prime rate of your lender

• The rate fluctuates based on the prime rate 

• Your payment does not change based on the rate change, instead, your amortization will either increase or decrease based on the rate going up or down 

• Lower penalty if you break the term 

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Adjustable Mortgage Rate 

• Terms are typically available in a 3 or 5-year term

• Rate is based on the prime rate of your lender

• The rate and payment fluctuate based on the prime rate 

• Your payment does change based on the rate change

• Lower penalty if you break the term 

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Home Equity Line of Credit 

• This is an add-on product that is available with some lenders

• The HELOC will either be a second charge on the title or under the same charge as the primary product if registered as a collateral mortgage

• In order to qualify for a HELOC, you must have at least 20% equity/down payment 

• The rate is based on the prime rate, usually with a factor of prime +/-

• Payments are typically interest-only

• No penalty to payout the HELOC 

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Commercial Mortgages & Leasing 

Commercial mortgages are designed for businesses and investors who wish to purchase or refinance commercial, income-producing properties and offer a flexible way to raise capital.  We have a special division just for this.

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