More than one way to finance your next move.
Whether you’re buying, refinancing, renewing, accessing equity or dealing with a more complex financial situation, Rosie can help explore traditional, alternative and private mortgage options.
Start with what you’re trying to accomplish.
What are you looking to do?
Your mortgage strategy starts with the goal. From there, Rosie can help determine which type of financing may fit.
Buy a Home
Explore financing for a first home, next home, vacation property or investment purchase.
Purchase Options →Refinance
Access equity, consolidate debt, restructure payments or review your existing financing.
Refinance Options →Renew a Mortgage
Before signing your lender’s renewal offer, review the market and see what else may be available.
Renewal Options →Access Equity
Explore second mortgages, third mortgages and other private equity-based financing structures.
Private Mortgage Options →One borrower. Different ways to qualify.
A bank is only one part of the mortgage market. Depending on your income, credit, property and overall situation, another lending path may make more sense.
Traditional Lending
Bank and institutional mortgage options for borrowers who meet conventional income, credit and debt-service requirements.
- Competitive mortgage products
- Standard income qualification
- Strong credit profiles
- Owner-occupied and investment options
Alternative Lending
More flexible lending solutions for borrowers whose income, credit or circumstances do not fit traditional bank guidelines.
- Self-employed borrowers
- Non-traditional income
- Credit challenges
- More flexible qualification
Private Lending
Property and equity-focused mortgage solutions for transactions that may require greater flexibility or faster decision-making.
- Private first mortgages
- Private second mortgages
- Private third mortgages
- Complex or time-sensitive situations
Financing for more than just buying a home.
Mortgage financing can solve many different needs. The right structure depends on the property, borrower and overall objective.
Home Purchase
Mortgage financing for first-time buyers, repeat buyers and real-estate investors.
Learn More →Refinance
Replace or restructure your current mortgage to better match your financial goals.
Learn More →Debt Consolidation
Property equity may help consolidate higher-interest debts into a broader financing strategy.
Review My Options →Private First Mortgage
Short-term private financing when traditional or alternative lending is not currently suitable.
Explore Private Lending →Private Second Mortgage
Access additional property equity while potentially keeping an existing first mortgage in place.
Learn More →Private Third Mortgage
Certain properties and equity positions may support an additional private mortgage position.
Learn More →Mortgage Renewal
Compare your renewal offer with other mortgage options before committing to another term.
Review My Renewal →Equity Access
Use available property equity for renovations, investments, business needs or other purposes.
Explore Equity Options →Bridge & Short-Term Financing
Short-term mortgage solutions may help when timing between transactions becomes an issue.
Talk to Rosie →You don’t need to choose the lender. Start with the situation.
Tell Rosie what you’re trying to accomplish. Your income, credit, property, mortgage balance, equity and overall financial picture can then be reviewed together.
Your Goal What are you trying to accomplish?
Your Financial Picture Income, debts, credit and available funds.
Your Property Value, location, equity and mortgage position.
Your Options Traditional, alternative or private solutions.
Your file doesn’t need to be perfect to be worth reviewing.
Some borrowers simply don’t fit the traditional lending box. That does not automatically mean there are no mortgage options.
See What May Be PossibleWhen conventional financing doesn’t fit, private lending may offer another route.
Private mortgages can provide short-term financing for borrowers dealing with credit challenges, equity needs, complex income, mortgage arrears or other situations requiring greater flexibility.
A clearer way to explore your mortgage options.
Tell Rosie Your Goal
Start with a secure application or conversation about what you’re trying to accomplish.
Review the Full Picture
Income, credit, debts, property and available equity are considered together.
Explore Lending Paths
Traditional, alternative and private mortgage options can be reviewed where appropriate.
Choose Your Next Step
If you decide to proceed, Rosie helps guide you through lender requirements and closing.
Mortgage advice built around your situation.
Rosie Figliomeni helps home buyers and homeowners explore mortgage solutions across traditional, alternative and private lending channels.
The goal is not to force every borrower into the same mortgage box. It’s to understand the complete picture and identify suitable options.
Ready to see which options may fit?
Start with your situation. Rosie can help determine what mortgage paths are worth exploring.