Guiding you forward
Behind on a tax bill, carrying too much on credit cards, or self-employed with a tax return that undersells your business? Banks often stop at the credit score. We start with what’s going on and what you own. Sometimes the answer is a regular refinance at mortgage rates. Sometimes it’s one of our alternative mortgage solutions, with an alternative or private lender for a while. If it’s private, you’ll know why it’s needed and exactly how you get out of it before anything is signed.
✔️ No judgment. Life happens; we work from where you are now.
✔️ One payment instead of many.
✔️ A Clear Exit Strategy: A temporary stepping stone built to graduate you back to prime rates.
✔️ And if you have home equity, you may not need an alternative lender at all — see the real math on refinancing to consolidate debt at mortgage rates.
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The Bank’s Answer: “Your credit score dropped, so we can’t help you.”
💡 HomeHappy’s Strategy: Your credit dropped because your debt is maxed out. Let’s use your home equity to wipe those debts clean so your credit score can breathe, bounce back, and recover.
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The Bank’s Answer: “Your personal tax returns (NOAs) show too many business write-offs, so you don’t qualify.”
💡 HomeHappy’s Strategy: We look at your real business cash flow and the true equity in your property—not just the bottom line of a tax checkbox. Outside-the-box business owners deserve outside-the-box lending.
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The Bank’s Answer: “You have a tax lien or outstanding arrears, so we are freezing your access to funds.”
💡HomeHappy’s Strategy: Where it’s needed, an alternative or private lender can pay out CRA and clear the title. Then we work on moving you back to a regular lender.
We use what you own in your home to clear away high-interest debts, CRA arrears, or collections. The collection calls stop and you're down to one payment.
With the cards paid off and the balances kept down, your credit usually starts to recover. Along the way I coach you on rebuilding it, and when it helps I'll refer you to credit counselling or other outside experts.
Once your credit history is fully rehabilitated and healthy, we execute our planned exit strategy. We transition you out of the alternative space, refinancing your property back into a traditional, low-rate prime bank mortgage.
Traditional banks focus on income checkboxes and credit scores. Alternative and private lenders also look at the security of your home. If you have a healthy equity cushion in your property, there's usually more than one option worth looking at. Using what you own, we can work around rigid bank guidelines to clear debts, give your credit room to recover, and protect your home.
Maxed-out credit cards dragging down your score, but you have $300k+ in home equity.
Your business write-offs make your traditional tax returns look too low for a bank, but your cash flow and equity are strong.
The CRA has placed a lien on your home, and traditional lenders won't touch you until it's paid.
We lay every cost out on the table from day one. Alternative and private mortgages usually carry lender and broker fees that a regular mortgage doesn’t, so you’ll see every lender fee, broker fee, and legal cost in plain English, in writing, before you sign anything. No hidden costs, no surprise clauses.
We don’t just put you into an alternative mortgage and wish you luck. Every private solution we engineer comes paired with a concrete, milestone-tracked exit plan designed to guide you straight back into a low-rate prime bank mortgage.
Our goal is to protect what you’ve built in your home, not use it up. We only recommend an alternative strategy when the numbers show you’ll be better off, and we show you those numbers.
Ready to Take the Weight Off Your Shoulders? Traditional banks stop at your credit score, but our alternative mortgage solutions look at your equity. We provide a confidential, no-judgment environment focused entirely on your future—not your past credit mistakes. Reach out today for your custom financial reset.
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