sub prime lenders
Welcome to my Website
A home mortgage is likely the single most important investment instrument in your life-time. It is important that we take the time to understand your life situation, financial goals and expectations. We help you understand the options and complexities of the mortgage approval process to get the best value and protect your investment for the immediate term and future.
All lenders and brokers promise the “best and lowest” rates. That is the least of what our clients expect. CENTUM has been delivering the best rate for tens of thousands of satisfied clients for nearly a decade. As mortgage professionals, our business is to craft a mortgage that provides the best balance of rates, risk and budget for your current life situation and helps you build a mortgage blueprint that fits your financial future.
With the wide assortment of options and features available today for a mortgage, shopping around takes considerable time and effort. At CENTUM, we have no commitment to any one lender or product, rather recommend products that are in the best interest of our clients. We know the industry players and have the knowledge and expertise required to present an application to lenders to successfully obtain mortgage financing, and we do all the paperwork. If you have at least one of 3 qualifiers; employment income, good credit score, down payment, we can usually find a lender to fund your mortgage.
At CENTUM, we're always looking out for your best interest.™
My first personal mortgage was at 19.5% fixed term, and that was considered a good mortgage. Did not leave much head room for recreational pursuits and toys. Life has changed and so has the economy since then.
It is my mission to help others who are new to home ownership to avoid mistakes that could impact their financial future. I have been fortunate to travel overseas and abroad extensively and get to know people from many cultures. It always helps to have a perspective on how fortunate we are in Canada to have the freedom and opportunities to make personal choices on educations, health, recreation, travel, religion, politics and investments.
Terrance has been involved in real property projects for over 30 years as a project manager, self-employed renovator and home inspector, and now a mortgage professional. With a project management background, Terrance looks at the big picture to understand how to minimize risks while helping you achieve your personal and business goals. He can assist self-employed individuals to qualify and apply for mortgages that traditional lending institutions would deny. As part of the CENTUM Future Mortgage team Terrance has access to a large team of specialists and experts behind the curtains to help craft a mortgage plan that works for our clients.
Areas of expertise include residential, commercial and construction mortgages, plus innovative business to business financing solutions and syndicated mortgages as investments:
- Residential mortgages including prime, sub-prime and private money markets.
- Purchases or refinances
- Existing homes or new construction
- 1st, 2nd and 3rd mortgages
- Commercial mortgages and raw land
- Construction mortgages
- Bridge financing
- Loan Consolidations
- Syndicated Mortgages *
- RRSP eligible investment opportunities *
* Syndicated mortgages are a terrific opportunity to improve your retirement investment portfolio with a realtively high return rate 8% per annum.