As Mortgage Brokers, we work with a diverse network of lenders including banks and private lenders to offer my clients the best financing options available. With access to multiple lending sources, we are able to find solutions for a wide range of financial needs. Our aim is to provide personalized and efficient services that meet the unique needs of each client.

When considering financing, three dominant lender categories exist:

Lowest Rate Category: The first category, also called the lowest rate category, refers to banks, credit unions, or alternative institutional lenders. Such lenders may include life insurance companies, trust companies, pension plans, or alternative equivalents. This category is primarily has the best rates, market-wise. However, their financing requirements are also challenging to secure in terms of qualifications.

“B” Lenders: The second category, also called “B” lenders, refers to any mortgage funded through non-traditional banks/lending sources, but still governed by B-20 guidelines. This class targets acquisition financing, construction financing, and even hotel financing to borrowers that may not yet be eligible for the first category, known as bank institutions and credit unions. Examples of this group include but are not limited to alternative lenders, quasi-institutional lenders like investment bankers, hedge funds, and alternative investment funds of similar nature. Although a higher rate and lender fee may apply, lending criteria offer more flexibility in the qualifying department.

Private Lenders: The third category you may consider is private mortgage lenders to secure financing. This category may extend from an individual investor to various mortgage associations, or even a mortgage investment corporation. Similar to the second category, this may include higher rates than a traditional bank. Notwithstanding, the qualification process is slightly smoother and offers leniency. Financing through a private mortgage lender may prove as an excellent option for short-term financing regarding any project.


At TMLENDING, we provide our clients with a variety of financing options, including land acquisition, development, construction, and bridge financing.

At TMLENDING, we work with Banks, Credit Unions, and private lenders. We are always looking to add more to our panel.

At TMLENDING, we partner with committed lenders to fund the loans. We carefully match our clients with the right lender to ensure their needs are met.

After your offer is accepted, we can usually close on your mortgage in as little as 14 days. However, some loan types may require a longer closing period if they are complex or involve third parties. Please check with us to confirm the closing period before submitting your offer.

At TMLENDING, we can provide you with current market rate quotes for your particular scenario. These quotes are based on factors such as property type, down payment, loan amount, and credit score. However, rates cannot be guaranteed until commitment is obtained from the lender. Please contact us for more information.

If we are unable to match you with a lender that meets your requirements, we will let you know right away. We are constantly adding new lenders to our network, so please keep checking back for updates.

We apologize that you no longer wish to proceed with your loan request. Once you have submitted your request, we will attempt to match it with lenders in our network. If you have been matched with a lender, please contact us and we will cancel your request for you.