Mortgage Solutions for Every Stage of Homeownership
Whether you are buying your first home, renewing, refinancing, building, investing or looking for a specialized financing solution, Doug will help you understand your options and choose an approach that fits your circumstances.
Every mortgage situation is different. The right solution depends on your goals, income, credit, available equity, property and timeline.
Buying a Home
Buying a home involves much more than finding a rate. We will help you understand your budget, down payment, qualification, closing costs and available mortgage choices.
First-Time Home BuyersUnderstand how much you may qualify for, the down payment required, available programs and the steps from pre-approval through to closing. |
New to CanadaNewcomers may have access to mortgage programs designed for borrowers who have recently established themselves in Canada. |
Purchase Plus ImprovementsInclude eligible renovation costs in the mortgage when purchasing a property that needs updating or improvements. |
Already Own a Home?
Your mortgage should continue to fit your life as your needs and financial circumstances change.
Mortgage RenewalsBefore accepting your lender’s renewal offer, compare the rate, term, flexibility, prepayment options and potential alternatives. |
Mortgage RefinancingUse available home equity to consolidate debts, fund renovations, manage major expenses or restructure your current financing. |
Reverse MortgagesQualifying homeowners aged 55 and older may be able to access part of their home equity while continuing to own and live in the property. |
Specialized Financing
Not every mortgage fits conventional lender guidelines. Doug works with a broad range of lenders and financing sources to help with more complex property and borrowing situations.
Private MortgagesShort-term financing may be available when a bank or traditional lender cannot meet the borrower’s needs or timeline. |
Commercial FinancingFinancing for commercial property, mixed-use buildings, investment real estate and business-related property needs. |
Construction FinancingConstruction mortgages are advanced in stages and require careful planning for land, budgets, permits, draws and project completion. |
Turned Down by Your Bank?
A bank decline does not necessarily mean there are no options. Self-employment, credit history, unusual properties, income documentation or timing can make a file difficult for one lender but potentially workable with another.
Doug will review the complete situation, explain what may be preventing approval and determine whether another lender or financing strategy may be appropriate.
Not Sure Which Mortgage Fits?
Sometimes the best solution is not obvious. Two borrowers with similar incomes or properties may need entirely different mortgage strategies because their plans, risks and timelines are different.
Rather than trying to fit you into one product, Doug will help you compare the available choices, understand the costs and determine which approach makes the most sense for you.
Why Clients Choose Doug
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✓ More than 35 years of mortgage experience ✓ Independent mortgage advice ✓ Access to a wide range of lenders |
✓ Help with challenging mortgage situations ✓ Clear explanations and personal service ✓ Serving clients throughout British Columbia |
Questions? Let’s Talk.
A conversation does not commit you to anything. Tell Doug what you are trying to accomplish, and he will help you understand the options and next steps.
Call Doug: 604-820-4570
Mortgage Solutions in Mission and Throughout British Columbia
Doug Lifford Mortgage Services assists home buyers, homeowners, investors and business owners in Mission, Abbotsford, Chilliwack, Maple Ridge and communities throughout British Columbia. Mortgage solutions include first-time home-buyer financing, mortgage renewals, refinancing, reverse mortgages, private mortgages, commercial financing, construction financing, new-to-Canada mortgages and purchase-plus-improvement financing.