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Whether you have good credit or poor credit there are options available to you! Please do not hesitate to contact me for an unbiased opinion on your mortgage options (purchase, refinance or switch/transfer) today! Here’s how it works: Traditional mortgage Credit score above 650 Min. 5% down payment and 1.5% for closing costs Min. mortgage amount of $50,000.00 *Down payment can come from your own personal savings, be gifted or borrowed. Borrowed down payments are harder to qualify for. Bad Credit Mortgages: PLEASE READ NO EXCEPTIONS ON CRITERIA Credit score below 650 Bankruptcies are accepted, but must be discharged first. Consumer proposals accepted, discharge not required. Minimum down payment for a purchase price above 150K is 25% under 150K is 30-35% House price must be at least $100,000.00 and in an urban area (think Moncton, Riverview, Dieppe, Fredericton, Oromcto area) *Any open collections need to get paid. No exceptions. **No Exception on down payment, purchase price, or area in which the lenders are willing to consider. Employment required for all mortgage options. If you have been turned down by a bank there are still options. I have access to a variety of lenders and mortgage programs that can make home ownership possible for almost anyone. I would be happy to answer any mortgage related questions that you have. Please feel free to send me an email or call me directly and I will get back to you right away. Shelby Bragg Mortgage Associate Centum Home Lenders Ltd. (506) 854-6847 ext 0. [email protected]