First Circle Financial provides residential term mortgage financing to borrowers that, for a multitude of reasons, do not meet typical institutional underwriting criteria. We are common sense lenders and are able to facilitate both first and second mortgages for terms of up to two years.

Our most popular product is a one year term loan that enables the borrower to re-establish credit worthiness. At maturity the borrower is often able to refinance the property institutionally at prime rates. Please note that we are equity based lenders and our maximum loan to value is 75%.

Obstacles that we can overcome include:

Impaired credit /

No proof of income /

Recently discharged bankrupts /

Non-residents /

Corporate borrowers /

Equity take-outs /

Debt consolidations /

Spousal buy-outs /

Rental properties.

If you have a mortgage financing situation that cannot be solved through traditional institutional lenders, give us a try.