Working with Real Estate, Mortgage and other Professionals help more families achieve and maintain Homeownership.
When Traditional Lending Isn't the Right Fit
Not every client is mortgage-ready today. Credit challenges, limited down payments, self-employment income, renewal difficulties, and unexpected life events can prevent otherwise deserving families from securing financing.
HOS Financial provides mortgage professionals with alternative pathways that help clients move forward while working toward future mortgage qualification.
Purchase Program
Helping More Families Become Homeowners
Our Purchase Program is designed for clients who are financially capable of homeownership but do not currently meet traditional mortgage requirements.
- Self-employed clients
- Newcomers to Canada
- Limited down payment
- Credit challenges
- Mortgage stress test issues
- Short employment history
Clients enter a structured Path to Homeownership designed to help them work toward future mortgage qualification.
Rent-to-Own Refinance Program
A Solution for Homeowners Who Want to Stay in Their Home
The Rent-to-Own Refinance Program is designed for homeowners who cannot secure a traditional mortgage renewal or refinance but want to avoid selling their property.
- Mortgage renewal declines
- Orphaned mortgages
- Credit deterioration
- Debt restructuring needs
- Homeowners seeking time to rebuild their financial position
The objective is to help clients stabilize their financial profile and work toward future mortgage readiness.
Power of Sale Prevention Solutions
For clients facing Power of Sale or foreclosure proceedings, timing is critical. HOS Financial provides alternative solutions that can help preserve homeownership while creating a strategy for long-term recovery.
- Power of Sale situations
- Foreclosure prevention
- Mortgage arrears
- Equity preservation
- Future mortgage qualification planning
Why Mortgage Professionals Partner with HOS Financial
- Alternative solutions for difficult files
- Purchase and refinance opportunities
- Power of Sale prevention programs
- Dedicated underwriting review
- Personalized client strategies
- Ongoing client support
- Referral opportunities
When you refer a client to HOS Financial, you create a payday today (Referral Fee) and a Finders Fee for the future.
When your client exits our Rent to Own program, they are referred back to you to secure a mortgage that they could not qualify for today.
Mortgage Agent Submissions
Helping Clients Become Mortgage-Ready
Every client entering an HOS Financial program is encouraged to follow a structured Path to Homeownership focused on improving their financial profile, strengthening mortgage qualifications, and preparing for future financing opportunities.
Referral Partnership Opportunities
HOS Financial works closely with Mortgage Professionals who are looking for additional solutions for clients who fall outside traditional lending guidelines.
We can also create dedicated referral landing pages that provide status updates and a streamlined client referral experience.
Home Owner Soon helps aspiring buyers connect with investors for flexible housing solutions. We guide you through the transition, support credit improvement, and help you prepare for traditional mortgage financing. Serving clients across Canada.