Frequently Asked Questions

FAQs

It’s a very simple process:

• You can complete the basic application online on our secure server or we can call and complete the application together
• After we receive the pre-approval in most cases we will need income verified.  Once we have the income verified, you are ready to find your purchase or refinance a currently owed unit.
• Once you have negotiated your best deal for your upcoming purchase  we can then begin to complete the necessary paperwork.
• Once documents have been signed electronically we will transfer funds to the seller and advise you that your purchase is ready to be picked up.

Yes

Yes. We have many sources to obtain financing for you, that will have considerably different guidelines for approval. We will exhaust every possibility for you.

Yes. We can finance negative equity; it is a very common situation.

Yes. We have a warranty available for most of the products we finance.

Yes. We can insure your loan with accident and health coverage, gap insurance, loss of employment insurance and life insurance.

Yes. You only pay interest for the time you have borrowed the money for. There is no early payout penalty.

Each client’s interest rate is determined by their past credit history. Once pre-approval is granted, we can assess your interest rate, payment terms, and approved loan amount. Our financing options cover major banks and lenders, offering both prime and non-prime alternatives.