Working with Real Estate, Mortgage and other Professionals help more families achieve and maintain Homeownership.
Partner with HOS Financial
When a Buyer Doesn't Qualify Today
Not every buyer meets traditional mortgage requirements. Credit challenges, limited down payment savings, self-employment income, short employment history, or recent life events can prevent otherwise motivated buyers from moving forward in a traditional manner.
Remember! A client who has been told “no” today will continue to look for financing options to get into a home. Don’t let your client walk away.
HOS Financial provides alternative pathways that help eligible buyers work toward homeownership while allowing Realtors to continue supporting their clients.
Realtor Protected
We Respect and Protect Professional Relationships
When a qualified client enters an HOS Financial program, the Realtor remains involved in the transaction and continues working with the client throughout the home search process.
Our goal is to help create a positive outcome for both the client and the Realtor while maintaining the professional relationships that have already been established.
Purchase Program
Helping More Buyers Become Homeowners
Our Purchase Program is designed for individuals and families who are expected to qualify for traditional mortgage financing in the future but are not currently mortgage-ready. Due to:
- Bruised or limited credit history
- Self-employed income not fully declared
- Short employment tenure
- Newcomers to Canada
- Limited down payment savings
- Mortgage qualification challenges
Your clients move into the home today and enter a structured Path to Homeownership designed to help them work toward future mortgage qualification.
When your client is mortgage ready, they are referred back to you to arrange the Purchase Mortgage.
This is an opportunity to turn mortgage declines into a Referral Fee “Today” and a Finders fee when your client exits our Rent to Own Program.
Strategic Refinance Program
Supporting Homeowners Who Want to Stay in Their Home
HOS Financial also offers Strategic Refinance solutions for homeowners facing renewal challenges, Power of Sale situations, or foreclosure proceedings.
These programs can help homeowners remain in their property while working toward improved financial stability and future mortgage readiness.
As a Realtor, this may seem like a missed revenue opportunity, but it isn’t.
It is an opportunity to help a family stay in the house they call home and for you, as the referring professional, to earn a handsome referral fee.
- Mortgage renewal challenges
- Orphaned mortgages
- Power of Sale situations
- Foreclosure prevention
- Financial restructuring opportunities
Every Client Follows a Path to Homeownership
Every client enrolled in an HOS Financial program participates in our Path to Homeownership program and is encouraged to use the tools, resources, and guidance available to improve their financial profile to bank standards.
Our objective is to help clients work toward mortgage qualification and sustainable homeownership.
Why Realtors Partner With HOS Financial
HOS Financial helps Realtors serve a broader range of clients by providing alternative homeownership solutions for buyers who may not currently qualify through traditional financing.
With Realtor-protected transactions, dedicated support, and programs designed to address a variety of homeownership challenges, our team works alongside Realtors to help more buyers move forward with confidence.
- Help more buyers move forward
- Continue supporting clients who do not currently qualify
- Realtor-protected transactions
- Purchase and Strategic Refinance Programs
- National experience since 2005
- Dedicated support throughout the process
- Alternative solutions for homeownership challenges
Realtor Partner Benefits
HOS Financial values strong relationships with Realtors and provides additional partnership opportunities designed to support long-term growth.
- Access to the Income Growth Program
- Referral partnership opportunities
- Automated updates throughout underwriting
- Real-time status transparency
- Dedicated referral landing pages
- Custom marketing links for your brand
Serving Canadians Since 2005
Established in 2005, HOS Financial has helped thousands of Canadians work toward homeownership through alternative financing strategies, personalized planning, and long-term support.
- Homeownership planning expertise
- Canadian-focused service and experience
- Purchase and Strategic Refinance Programs
- Realtor partnership opportunities
- Path to Homeownership guidance
Let's Work Together
If you are working with buyers who are not currently mortgage-ready or homeowners facing financial challenges, HOS Financial can help provide additional pathways forward.
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.