Referral Partners
Serving the mortgage professional community with Lease Purchase and Rescue Refinance solutions since 2006.
Custom Solutions for Hard-to-Finance Clients
HOS Financial works with Mortgage Professionals who need reliable options for clients who cannot secure financing through banks or credit unions. In today’s lending environment, strict approval rules, limited refinance options, damaged credit, low equity, and income challenges can leave clients with very few places to turn. Our Lease Purchase and Rescue Refinance programs provide alternative solutions for renters hoping to become homeowners and homeowners trying to avoid Power of Sale or foreclosure.
A Trusted Partner Across Canada
When Banks and Credit Unions Say No
Many clients are declined today because lending requirements have become increasingly strict. New homebuyers often need a strong credit profile, stable income documentation, and sufficient down payment savings to qualify. Homeowners in financial distress also face limited refinance options because traditional refinancing is often capped at 80% of the property value.
When clients do not fit these requirements, they still need a path forward. HOS Financial helps Mortgage Professionals support clients who are facing difficult financial situations and need an alternative to conventional financing.
Helping Clients Stay Home
For homeowners facing Power of Sale or foreclosure, time and options are limited. Our Rescue Refinance Program is designed to help clients remain in their homes while working toward financial recovery and future mortgage qualification.
We let your client stay home and work with them throughout the lease term to help them rebuild, stabilize, and prepare for the next stage of financing.
What This Means for Mortgage Professionals
Save the Client Relationship
Help families find a solution during one of the most difficult financial moments they may face.
Earn Referral Compensation
Mortgage Professionals may earn a referral fee when a qualified client begins a program.
Create Future Mortgage Opportunities
At the end of the lease term, clients can return to you for their new mortgage when they are ready for traditional financing.
Build Long-Term Loyalty
Supporting clients through difficult situations can create lifelong relationships and future referrals.
Clients We Can Help
HOS Financial provides options for Mortgage Professionals working with clients who fall outside traditional lending guidelines or need immediate support.
- Renters who want to become homeowners
- Buyers declined by banks or credit unions
- Clients with damaged or bruised credit
- Clients with limited down payment savings
- Self-employed applicants with income challenges
- Homeowners facing Power of Sale
- Homeowners facing foreclosure
- Clients affected by refinance restrictions
A Referral Partner Built Around Trust
At HOS Financial, we understand that your client relationships matter. Our role is to provide a structured solution when traditional financing is not available while respecting the professional relationship you have built. We work with clients directly during the program and support their progress toward returning to conventional financing when the time is right.
Partner With HOS Financial
When your client is declined, facing Power of Sale, or running out of traditional options, HOS Financial can help provide a practical path forward. Partner with us to support more clients, protect long-term relationships, and create future mortgage opportunities.
Become a Referral PartnerHome 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.