{"id":551,"date":"2013-06-26T22:56:49","date_gmt":"2013-06-26T22:56:49","guid":{"rendered":"http:\/\/localhost\/wordpress-3-5\/?page_id=551"},"modified":"2024-10-10T21:58:33","modified_gmt":"2024-10-10T21:58:33","slug":"home-extended","status":"publish","type":"page","link":"https:\/\/loantovaluemortgage.com\/","title":{"rendered":"Home"},"content":{"rendered":"[vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#161616&#8243; bg_image=&#8221;3580&#8243; bg_position=&#8221;center top&#8221; background_image_loading=&#8221;default&#8221; bg_repeat=&#8221;no-repeat&#8221; scene_position=&#8221;center&#8221; layer_one_image=&#8221;2518&#8243; layer_four_image=&#8221;2655&#8243; top_padding=&#8221;12%&#8221; bottom_padding=&#8221;8%&#8221; 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Experience<\/h5>\n[\/vc_column_text][divider line_type=&#8221;No Line&#8221; custom_height=&#8221;10&#8243;][vc_custom_heading text=&#8221;Access Up To 49% Of Your Home\u2019s Equity With No Monthly Payments!&#8221; font_container=&#8221;tag:h1|font_size:45|text_align:left|line_height:1.2em&#8221; google_fonts=&#8221;font_family:Lato%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:900%20bold%20regular%3A900%3Anormal&#8221;][vc_custom_heading text=&#8221;\u2705No monthly payments&#8221; font_container=&#8221;tag:h3|text_align:left&#8221;][vc_custom_heading text=&#8221;\u2705No fees or penalties to pay it off at any time!&#8221; font_container=&#8221;tag:h3|text_align:left&#8221;][vc_custom_heading text=&#8221;\u2705No Age Restrictions&#8221; font_container=&#8221;tag:h3|text_align:left&#8221;][vc_custom_heading text=&#8221;\u2705Access to 49% of your home equity&#8221; font_container=&#8221;tag:h3|text_align:left&#8221;][divider 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border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_custom_heading text=&#8221;About Us&#8221; font_container=&#8221;tag:h1|font_size:45|text_align:left|color:%23028ec8|line_height:1.2em&#8221; google_fonts=&#8221;font_family:Lato%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:900%20bold%20regular%3A900%3Anormal&#8221;][vc_column_text text_direction=&#8221;default&#8221;]We are committed to helping homeowners with their properties. Specializing in Loan-to-Value (LTV) mortgages, we provide innovative and flexible mortgage solutions that empower our clients to access the equity in their homes without the burden of monthly payments or age restrictions.<\/p>\n<p>Our mission is simple: to offer financial freedom, flexibility, and personalized support to every client, regardless of their stage in life. We understand that your home is more than just a place to live\u2014it\u2019s an asset that can help you achieve your financial goals. Whether you&#8217;re looking to renovate, invest, consolidate debt, or secure your retirement, we are here to make it possible.[\/vc_column_text][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][image_with_animation image_url=&#8221;3610&#8243; image_size=&#8221;full&#8221; animation_type=&#8221;entrance&#8221; animation=&#8221;None&#8221; animation_movement_type=&#8221;transform_y&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;&#8221; border_radius=&#8221;none&#8221; box_shadow=&#8221;none&#8221; image_loading=&#8221;default&#8221; max_width=&#8221;100%&#8221; max_width_mobile=&#8221;default&#8221;][nectar_btn size=&#8221;jumbo&#8221; button_style=&#8221;regular&#8221; button_color_2=&#8221;Accent-Color&#8221; icon_family=&#8221;none&#8221; text=&#8221;CALL (604) 377-9538&#8243; margin_top=&#8221;60&#8243; url=&#8221;tel:(604) 377-9538&#8243;][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;rgba(29,162,198,0.31)&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;5%&#8221; bottom_padding=&#8221;5%&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; id=&#8221;process&#8221; disable_element=&#8221;yes&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; exclude_row_header_color_inherit=&#8221;true&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;padding-1-percent&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/3&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; enable_animation=&#8221;true&#8221; animation=&#8221;fade-in&#8221; animation_easing=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; delay=&#8221;0&#8243;]<div class=\"iwithtext\"><div class=\"iwt-icon\"> <i class=\"icon-default-style steadysets-icon-user accent-color\"><\/i> <\/div><div class=\"iwt-text\"> \n<h4><strong>Credit Score Requirement<\/strong><\/h4>\n<ul>\n<li><strong>Details:<\/strong>\u00a0You need a\u00a0<strong>minimum credit score of 660<\/strong>\u00a0to qualify.<\/li>\n<li><strong>Why it Matters:<\/strong>\u00a0Your credit score reflects your financial responsibility and affects your eligibility and interest rates. A score below 660 may disqualify you from this type of mortgage or require additional conditions.<\/li>\n<\/ul>\n <\/div><div class=\"clear\"><\/div><\/div>[divider line_type=&#8221;No Line&#8221; custom_height=&#8221;20&#8243;]<div class=\"iwithtext\"><div class=\"iwt-icon\"> <i class=\"icon-default-style fa fa-home accent-color\"><\/i> <\/div><div class=\"iwt-text\"> \n<h4><strong>Property Appraisal<\/strong><\/h4>\n<ul>\n<li><strong>Details:<\/strong>\u00a0Your home must undergo a professional\u00a0<strong>property appraisal<\/strong>\u00a0to determine its current market value.<\/li>\n<li><strong>Why it Matters:<\/strong>\u00a0The LTV percentage is based on the appraised value of the property, not its purchase price or your own estimation of its value.<\/li>\n<\/ul>\n <\/div><div class=\"clear\"><\/div><\/div>[\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/3&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; enable_animation=&#8221;true&#8221; animation=&#8221;fade-in&#8221; animation_easing=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; delay=&#8221;200&#8243;]<div class=\"iwithtext\"><div class=\"iwt-icon\"> <i class=\"icon-default-style steadysets-icon-clipboard accent-color\"><\/i> <\/div><div class=\"iwt-text\"> \n<h4><strong>Proof of Residency<\/strong><\/h4>\n<ul>\n<li><strong>Details:<\/strong>\u00a0You must provide proof that the home is your\u00a0<strong>primary residence<\/strong>\u00a0and that you reside in British Columbia, Ontario, or Alberta.<\/li>\n<li><strong>Documents Needed:<\/strong>\u00a0Government-issued ID, utility bills, or similar documents showing your home address.<\/li>\n<\/ul>\n <\/div><div class=\"clear\"><\/div><\/div>[divider line_type=&#8221;No Line&#8221; custom_height=&#8221;20&#8243;]<div class=\"iwithtext\"><div class=\"iwt-icon\"> <i class=\"icon-default-style fa fa-trophy accent-color\"><\/i> <\/div><div class=\"iwt-text\"> \n<h4><strong>Equity Availability<\/strong><\/h4>\n<ul>\n<li><strong>Details:<\/strong>\u00a0You need sufficient equity in your home. You can access\u00a0<strong>up to 49% of your home\u2019s equity<\/strong>.<\/li>\n<li><strong>Example:<\/strong>\u00a0If your home is valued at $500,000, you can potentially borrow up to $245,000.<\/li>\n<li><strong>Why it Matters:<\/strong>\u00a0The more equity you have in your home, the more borrowing power you will have.<\/li>\n<\/ul>\n <\/div><div class=\"clear\"><\/div><\/div>[\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/3&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; enable_animation=&#8221;true&#8221; animation=&#8221;fade-in&#8221; animation_easing=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; delay=&#8221;400&#8243;]<div class=\"iwithtext\"><div class=\"iwt-icon\"> <i class=\"icon-default-style steadysets-icon-pencil accent-color\"><\/i> <\/div><div class=\"iwt-text\"> \n<h4><strong>Location<\/strong><\/h4>\n<ul>\n<li><strong>Details:<\/strong>\u00a0The LTV mortgage is available in\u00a0<strong>British Columbia, Ontario, and Alberta<\/strong>.<\/li>\n<li><strong>Why it Matters:<\/strong>\u00a0You must reside and own a property in one of these provinces to qualify. If your property is located outside of these provinces, this LTV mortgage will not be available to you.<\/li>\n<\/ul>\n <\/div><div class=\"clear\"><\/div><\/div>[divider line_type=&#8221;No Line&#8221; custom_height=&#8221;20&#8243;]<div class=\"iwithtext\"><div class=\"iwt-icon\"> <i class=\"icon-default-style fa fa-money accent-color\"><\/i> <\/div><div class=\"iwt-text\"> \n<h4><strong>Loan Amount<\/strong><\/h4>\n<ul>\n<li><strong>Details:<\/strong>\u00a0The maximum loan amount you can borrow is\u00a0<strong>up to $1.5 million<\/strong>, depending on your home\u2019s value and your eligibility.<\/li>\n<li><strong>Explanation:<\/strong>\u00a0The amount you qualify for will depend on the appraised value of your home and your Loan-to-Value ratio. You can access up to\u00a0<strong>49% of the home\u2019s value<\/strong>\u00a0in equity.<\/li>\n<\/ul>\n <\/div><div class=\"clear\"><\/div><\/div>[\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#028ec8&#8243; scene_position=&#8221;center&#8221; top_padding=&#8221;5%&#8221; bottom_padding=&#8221;5%&#8221; text_color=&#8221;light&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; id=&#8221;qualify&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_custom_heading text=&#8221;Want To Know If You Qualify?&#8221; font_container=&#8221;tag:h2|font_size:45|text_align:left|color:%23ffffff|line_height:1.2em&#8221; google_fonts=&#8221;font_family:Lato%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:900%20bold%20regular%3A900%3Anormal&#8221;][\/vc_column][vc_column column_padding=&#8221;padding-3-percent&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;right&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text text_direction=&#8221;default&#8221;]\n<h4><strong>Credit Score Requirement<\/strong><\/h4>\n<ul>\n<li><strong>Details:<\/strong> You need a <strong>minimum credit score of 660<\/strong> to qualify.<\/li>\n<li><strong>Why it Matters:<\/strong> Your credit score reflects your financial responsibility and affects your eligibility and interest rates. A score below 660 may disqualify you from this type of mortgage or require additional conditions.<\/li>\n<\/ul>\n[\/vc_column_text][divider line_type=&#8221;No Line&#8221; custom_height=&#8221;30&#8243;][vc_column_text text_direction=&#8221;default&#8221;]\n<h4><strong>Location<\/strong><\/h4>\n<ul>\n<li><strong>Details:<\/strong> The LTV mortgage is available in <strong>British Columbia, Ontario, and Alberta<\/strong>.<\/li>\n<li><strong>Why it Matters:<\/strong> You must reside and own a property in one of these provinces to qualify. If your property is located outside of these provinces, this LTV mortgage will not be available to you.<\/li>\n<\/ul>\n[\/vc_column_text][divider line_type=&#8221;No Line&#8221; custom_height=&#8221;25&#8243;][vc_column_text text_direction=&#8221;default&#8221;]\n<h4><strong>Equity Availability<\/strong><\/h4>\n<ul>\n<li><strong>Details:<\/strong> You need sufficient equity in your home. You can access <strong>up to 49% of your home\u2019s equity<\/strong>.<\/li>\n<li><strong>Example:<\/strong> If your home is valued at $500,000, you can potentially borrow up to $245,000.<\/li>\n<li><strong>Why it Matters:<\/strong> The more equity you have in your home, the more borrowing power you will have.<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][vc_column column_padding=&#8221;padding-3-percent&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;left&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; enable_animation=&#8221;true&#8221; animation=&#8221;fade-in-from-right&#8221; animation_easing=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text text_direction=&#8221;default&#8221;]\n<h4><strong>Proof of Residency<\/strong><\/h4>\n<ul>\n<li><strong>Details:<\/strong> You must provide proof that the home is your <strong>primary residence<\/strong> and that you reside in British Columbia, Ontario, or Alberta.<\/li>\n<li><strong>Documents Needed:<\/strong> Government-issued ID, utility bills, or similar documents showing your home address.<\/li>\n<\/ul>\n[\/vc_column_text][divider line_type=&#8221;No Line&#8221; custom_height=&#8221;30&#8243;][vc_column_text text_direction=&#8221;default&#8221;]\n<h4><strong>Property Appraisal<\/strong><\/h4>\n<ul>\n<li><strong>Details:<\/strong> Your home must undergo a professional <strong>property appraisal<\/strong> to determine its current market value.<\/li>\n<li><strong>Why it Matters:<\/strong> The LTV percentage is based on the appraised value of the property, not its purchase price or your own estimation of its value.<\/li>\n<\/ul>\n[\/vc_column_text][divider line_type=&#8221;No Line&#8221; custom_height=&#8221;30&#8243;][vc_column_text text_direction=&#8221;default&#8221;]\n<h4><strong>Loan Amount<\/strong><\/h4>\n<ul>\n<li><strong>Details:<\/strong> The maximum loan amount you can borrow is <strong>up to $1.5 million<\/strong>, depending on your home&#8217;s value and your eligibility.<\/li>\n<li><strong>Explanation:<\/strong> The amount you qualify for will depend on the appraised value of your home and your Loan-to-Value ratio. You can access up to <strong>49% of the home\u2019s value<\/strong> in equity.<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;5%&#8221; bottom_padding=&#8221;5%&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; id=&#8221;why&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; exclude_row_header_color_inherit=&#8221;true&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;padding-13-percent&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;right&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;2\/3&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; enable_animation=&#8221;true&#8221; animation=&#8221;fade-in-from-left&#8221; animation_easing=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_custom_heading text=&#8221;Why Choose Us?&#8221; font_container=&#8221;tag:h1|font_size:45|text_align:left|line_height:1.2em&#8221; google_fonts=&#8221;font_family:Lato%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:900%20bold%20regular%3A900%3Anormal&#8221;][vc_column_text text_direction=&#8221;default&#8221;]\n<ul>\n<li><strong>No Monthly Payments<\/strong><br \/>\nAccess your home\u2019s equity without the burden of monthly bills, giving you more financial freedom.<\/li>\n<li><strong>No Age Restrictions<\/strong><br \/>\nOur LTV mortgage is open to everyone\u2014no matter your age.<\/li>\n<li><strong>Fully Open Mortgage<\/strong><br \/>\nPay off your mortgage anytime without penalties or fees. Complete flexibility on your terms.<\/li>\n<li><strong>High Loan Amounts<\/strong><br \/>\nBorrow up to $1.5 million and unlock the full potential of your home\u2019s equity.<\/li>\n<li><strong>Competitive Rates<\/strong><br \/>\nEnjoy affordable interest rates starting at 7.5% for a cost-effective way to tap into your home\u2019s value.<\/li>\n<li><strong>Available in Key Provinces<\/strong><br \/>\nWe offer LTV mortgages in British Columbia, Ontario, and Alberta.<\/li>\n<li><strong>Simple Application Process<\/strong><br \/>\nFast and easy application with our expert team guiding you through every step.<\/li>\n<li><strong>Expert Support<\/strong><br \/>\nOur experienced mortgage specialists provide personalized advice to help you make the best financial decisions.<\/li>\n<li><strong>Trusted by Thousands<\/strong><br \/>\nWith a proven track record, we\u2019ve helped countless homeowners access their home\u2019s equity successfully.<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; 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border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][vc_gallery type=&#8221;image_grid&#8221; images=&#8221;3458,3459,3460,3461,3462,3463,3468,3469,3480,3481,3488,3489&#8243; image_grid_loading=&#8221;default&#8221; layout=&#8221;4&#8243; item_spacing=&#8221;2px&#8221; gallery_style=&#8221;7&#8243; load_in_animation=&#8221;none&#8221; img_size=&#8221;full&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#333333&#8243; scene_position=&#8221;center&#8221; top_padding=&#8221;15%&#8221; bottom_padding=&#8221;15%&#8221; text_color=&#8221;light&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; id=&#8221;services&#8221; disable_element=&#8221;yes&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221; gradient_type=&#8221;default&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; enable_animation=&#8221;true&#8221; animation=&#8221;flip-in&#8221; animation_easing=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][testimonial_slider style=&#8221;default&#8221; star_rating_color=&#8221;accent-color&#8221;][testimonial star_rating=&#8221;none&#8221; name=&#8221;Carly Young, ThemeNectar&#8221; quote=&#8221;By far the best team I&#8217;ve ever worked with. They truly understood the look I was going for and completely nailed it! I would highly recommend them as a company, you won&#8217;t find any better!&#8221; id=&#8221;1727653561486-7&#8243; title=&#8221;Testimonial&#8221; tab_id=&#8221;1727653561487-2&#8243;][testimonial star_rating=&#8221;none&#8221; name=&#8221;Jeff Gemmell, ThemeNectar&#8221; quote=&#8221;It was really fun getting to know the team during the project. They were all helpful in answering questions and made me feel at ease. The design ended up being better than I could&#8217;ve envisioned!&#8221; id=&#8221;1727653561521-0&#8243; title=&#8221;Testimonial&#8221; tab_id=&#8221;1727653561522-9&#8243;][testimonial star_rating=&#8221;none&#8221; name=&#8221;Mark Levin, ThemeNectar&#8221; quote=&#8221;I&#8217;m wondering why I never contacted these guys sooner! They have commendable talent in their fields and knocked my concept out of the ballpark. An amazing experience!&#8221; id=&#8221;1727653561547-5&#8243; title=&#8221;Testimonial&#8221; tab_id=&#8221;1727653561548-6&#8243;][\/testimonial_slider][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#ffffff&#8221; bg_image=&#8221;3395&#8243; bg_position=&#8221;left top&#8221; background_image_loading=&#8221;default&#8221; bg_repeat=&#8221;no-repeat&#8221; scene_position=&#8221;center&#8221; top_padding=&#8221;5%&#8221; bottom_padding=&#8221;5%&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; id=&#8221;contact&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; 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tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;][\/vc_column][vc_column column_padding=&#8221;padding-3-percent&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color=&#8221;#ffffff&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;small_depth&#8221; column_border_radius=&#8221;3px&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;2\/3&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; enable_animation=&#8221;true&#8221; animation=&#8221;fade-in&#8221; animation_easing=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;3px&#8221; column_border_color=&#8221;#baa97a&#8221; column_border_style=&#8221;solid&#8221; enable_border_animation=&#8221;true&#8221; column_padding_type=&#8221;default&#8221; gradient_type=&#8221;default&#8221;]\n                <div class='gf_browser_gecko gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='1' id='gform_wrapper_1' >\n                        <div class='gform_heading'>\n                            <h2 class=\"gform_title\">Contact Form<\/h2>\n                        <\/div><form method='post' enctype='multipart\/form-data'  id='gform_1'  action='\/index.php\/wp-json\/wp\/v2\/pages\/551' data-formid='1' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_1' class='gform_fields top_label form_sublabel_above description_above'><fieldset id=\"field_1_1\"  class=\"gfield gfield--type-name gfield_contains_required field_sublabel_above gfield--no-description field_description_above gfield_visibility_visible\"  data-js-reload=\"field_1_1\"><legend class='gfield_label gform-field-label gfield_label_before_complex'  >Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name gform-grid-row' id='input_1_1'>\n                            \n                            <span id='input_1_1_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <label for='input_1_1_3' class='gform-field-label gform-field-label--type-sub '>First<\/label>\n                                                    <input type='text' name='input_1.3' id='input_1_1_3' value=''   aria-required='true'    autocomplete=\"given-name\" \/>\n                                                <\/span>\n                            \n                            <span id='input_1_1_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                            <label for='input_1_1_6' class='gform-field-label gform-field-label--type-sub '>Last<\/label>\n                                                            <input type='text' name='input_1.6' id='input_1_1_6' value=''   aria-required='true'    autocomplete=\"family-name\" \/>\n                                                        <\/span>\n                            \n                        <\/div><\/fieldset><div id=\"field_1_5\"  class=\"gfield gfield--type-email gfield--width-full gfield_contains_required field_sublabel_above gfield--no-description field_description_above gfield_visibility_visible\"  data-js-reload=\"field_1_5\"><label class='gfield_label gform-field-label' for='input_1_5' >Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_5' id='input_1_5' type='email' value='' class='large'    aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><div id=\"field_1_4\"  class=\"gfield gfield--type-number gfield--width-full gfield_contains_required field_sublabel_above gfield--no-description field_description_above gfield_visibility_visible\"  data-js-reload=\"field_1_4\"><label class='gfield_label gform-field-label' for='input_1_4' >Phone Number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_4' id='input_1_4' type='number' step='any'   value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"  \/><\/div><\/div><fieldset id=\"field_1_7\"  class=\"gfield gfield--type-checkbox gfield--type-choice gfield_contains_required field_sublabel_above gfield--no-description field_description_above gfield_visibility_visible\"  data-js-reload=\"field_1_7\"><legend class='gfield_label gform-field-label gfield_label_before_complex'  >Do You Own Your House?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox' id='input_1_7'><div class='gchoice gchoice_1_7_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_7.1' type='checkbox'  value='Yes'  id='choice_1_7_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_7_1' id='label_1_7_1' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_7_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_7.2' type='checkbox'  value='No'  id='choice_1_7_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_7_2' id='label_1_7_2' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_1_8\"  class=\"gfield gfield--type-checkbox gfield--type-choice gfield--width-full gfield_contains_required field_sublabel_above gfield--no-description field_description_above gfield_visibility_visible\"  data-js-reload=\"field_1_8\"><legend class='gfield_label gform-field-label gfield_label_before_complex'  >Is Your credit score over 660<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox' id='input_1_8'><div class='gchoice gchoice_1_8_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_8.1' type='checkbox'  value='Yes'  id='choice_1_8_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_8_1' id='label_1_8_1' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_8_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_8.2' type='checkbox'  value='No'  id='choice_1_8_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_8_2' id='label_1_8_2' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><\/fieldset><\/div><\/div>\n        <div class='gform_footer top_label'> <input type='submit' id='gform_submit_button_1' class='gform_button button' 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