Facing Foreclosure or Power of Sale? Emergency Mortgage Assistance
Fast, private mortgage solutions to stop power of sale and clear arrears. No judgment, just immediate relief.
Unique, Innovative, Trusted Emergency Solutions
We offer Canadian homeowners a wide and varied range of emergency mortgage services to suit your exact needs.
Our network of private lenders is here to help answer any questions you might have and provide immediate funding when banks say no.
Get Mortgage AdviceWho We Help
You are not alone. We help Canadian homeowners navigate difficult financial times.
Missed Payments
Fallen behind on mortgage payments? We can help you catch up instantly and reset your standing with lenders.
Power of Sale Threats
Received a Notice of Sale? Act now. Our emergency funds can stop the legal process and save your home.
Bank Declines
Turned down by major banks due to credit or income? Our private lenders focus on equity, not your credit score.
What is Emergency Mortgage Assistance?
For many Canadian homeowners, "life happens." Job loss, illness, or unexpected expenses can lead to missed mortgage payments. Emergency mortgage assistance Canada is a specialized financial solution designed to bridge the gap when traditional banks turn away.
Unlike standard bank refinancing which can take months and requires perfect credit, our program utilizes private mortgage help Canada. This means we connect you with private lenders who are willing to overlook bad credit or income verification issues. Their primary focus is the equity you have built in your home.
Our solutions are designed to:
- Provide immediate funds to pay off arrears.
- Halt legal actions like stop power of sale Canada.
- Consolidate high-interest debts into one manageable payment.
- Give you a 12-24 month runway to repair your credit and return to a traditional lender.
Whether you need to clear a few months of arrears or require a full second mortgage to restructure your finances, our fast mortgage solutions are tailored to your urgency.
Why Choose Our Emergency Mortgage Solutions?
We prioritize speed, transparency, and your peace of mind.
⚡ Fast Decisions
We understand that time is of the essence. Get an approval, often within 24 hours of your application.
🛡️ Stop Power of Sale
Our primary goal is to keep you in your home. We specialize in halting legal proceedings immediately.
🤝 Flexible Lenders
We work with a vast network of private lenders who offer compassionate, common-sense lending.
📉 No Bank Stress
Forget the piles of paperwork. Our process is streamlined to get you funds without the bank headache.
🗓️ Custom Terms
From short-term bridges to longer solutions, we structure the mortgage to fit your recovery plan.
🇨🇦 Canada-Wide
We help homeowners across Ontario, BC, Alberta, and beyond with local market expertise.
How It Works
A simple 4-step process to financial relief.
Request Consultation
Fill out our simple form or call us. Tell us about your situation in confidence.
Situation Review
Our team analyzes your property equity and mortgage status to find the best fit.
Receive Options
We present you with clear, no-obligation approval options from our lenders.
Funds Released
Once accepted, legal work is expedited, and funds are released to stop arrears.
Eligibility Requirements
We keep it simple. If you have equity, we can likely help.
- ✅ Must be a Canadian homeowner (house, condo, or townhome).
- ✅ Property must have existing equity (value > mortgage balance).
- ✅ Facing mortgage arrears, collections, or pending power of sale.
- ✅ Self-employed, bad credit, or bankruptcy is accepted.
Frequently Asked Questions
Honest answers about emergency mortgage assistance.
How fast can emergency mortgage assistance be approved in Canada?
We pride ourselves on speed. In many cases, we can provide a preliminary approval within 2-4 hours and a formal commitment within 24 hours. Funding can occur in as little as 3-5 business days depending on legal processing.
Can this help stop a power of sale?
Yes. Providing proof of financing (a commitment letter) is often enough to stay legal proceedings. Once funds are advanced to the current lender to bring the mortgage current or pay it out, the Power of Sale is legally stopped.
Do I qualify with bad credit or bankruptcy?
Yes. Our private lenders primarily look at the equity in your home, not your credit score. We help many clients who have been declined by banks due to credit issues, consumer proposals, or bankruptcy.
What documents are needed?
To start, we typically need your recent property tax bill, current mortgage statement, and proof of income (even if self-employed). We aim to keep paperwork minimal compared to banks.
Is this a second mortgage?
In most cases, yes. Emergency assistance often comes in the form of a second mortgage secured against your home's equity. This allows you to keep your existing low-rate first mortgage while solving the immediate crisis.
What are the interest rates?
Rates for private emergency mortgages are higher than traditional bank rates, reflecting the higher risk and speed of the transaction. They are intended as short-term solution (1 year) to fix your situation before refinancing back to a lower rate.
Are there upfront fees?
We do not charge upfront fees for consultation or application. Brokerage and lender fees are typically deducted from the mortgage proceeds, meaning you don't pay out of pocket to get started.
Don't Let the Bank Take Your Home.
There are solutions available. We are here to help you keep your home and your dignity.