Supportive, Judgment-Free Guidance to Help You Move Forward
Clear, compassionate support to help you rebuild and move toward homeownership.
Life happens. Illness, job loss, separation, unexpected bills, or simply getting started financially can all impact your credit—sometimes in ways that don’t reflect who you are today.
But bruised credit doesn’t mean you’re not able to get a mortgage.
That’s where I come in.
I help Cochrane borrowers understand their options, explore alternative lending solutions, and build a realistic plan to move forward. Whether you’re rebuilding credit, have past collections, late payments, or are recovering from bankruptcy or consumer proposal, you’re not alone—and you do have options.
With the right guidance and preparation, a mortgage with bruised credit is absolutely possible.
(With Way Less Stress)
Inside my friendly, easy-to-follow guide, I'll share with you how I help my clients move through the mortgage process with clarity, confidence, and calm. Learn what really speeds things up, what slows things down, and how to feel prepared without the endless Googling.
The first step is understanding where your credit stands today and what lenders will look for.
I’ll help review your credit report, explain what matters (and what doesn’t), and outline the financing paths available based on your current score and history.
Whether you’re close to qualifying or need a short-term plan to rebuild, you’ll leave with clear next steps—not confusion.
Not all lenders require perfect credit. Some specialize in alternative or common-sense lending and look at the whole picture—not just a credit score.
I compare all available options, including alternative lenders, B-lenders, and credit-rebuilding mortgage products, and explain the pros and cons in plain language.
Together, we’ll find the most realistic and cost-effective path based on your current situation and long-term goals.
If you’re not quite ready for approval, that’s okay
I’ll build a simple, personalized plan to help you get mortgage-ready—whether that means addressing old accounts, building new credit, reducing balances, or preparing documentation for lenders.
There’s no shame, no pressure, and no overwhelm—just clear guidance and support to help you take the next step.
In many cases, yes. It depends on your credit score, down payment, income, and overall financial picture. I’ll help you understand your options.
Traditional lenders prefer higher scores, but alternative lenders often accept lower scores depending on the situation. We can explore all available options together.
Sometimes. A stronger down payment can improve your chances of approval and may reduce borrowing costs.
They can be, depending on the lender and credit profile. My job is to compare lenders and help you find the most affordable option.
Yes—with the right preparation and depending on how long it has been discharged. I can help you determine your timeline and next steps.
Absolutely. I can create a personalized plan to help you strengthen your credit and work toward qualifying with more favourable options.
Whether you’re ready now or building toward approval, I’ll help you create a clear path forward—without stress or judgment.