Financial Recovery & Homeownership Coaching

Your Financial Fresh Start to Homeownership

Completing a consumer proposal or bankruptcy is an important milestone. But what comes next?

At Money Time Coaching, we help individuals who have completed a consumer proposal or bankruptcy rebuild their financial foundation and develop a realistic pathway to homeownership.

As a Certified Financial Counsellor (CFC™), Certified Financial Fitness Coach (FFC®), and licensed Mortgage Broker, I combine financial coaching with mortgage industry experience to help you understand where you stand financially, what needs to improve, and what steps you can take toward qualifying for a mortgage.

Our coaching focuses on:

Credit Rebuilding: Understand how banks, credit unions, alternative lenders and private lenders assess creditworthiness, and develop a targeted strategy to strengthen the aspects of your credit that can improve your mortgage eligibility and financing options.

Financial Fitness: Develop and demonstrate stronger financial habits than you had prior to your bankruptcy or consumer proposal. Build a stronger financial profile that demonstrates to lenders your commitment to responsible financial management.

Down Payment Planning: Develop a realistic savings strategy to build the funds needed for your future home purchase.

Mortgage Readiness: Understand lender requirements, explore potential financing options, and identify the steps needed to become mortgage-ready following a consumer proposal or bankruptcy.

Your Path to Homeownership: Receive a personalized financial roadmap with actionable milestones to help you move from financial recovery toward owning your own home.

Your financial past doesn't have to determine your future.

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As Your Mortgage Broker

More Lenders. More Options. Better Outcomes.

I partner with a network of banks, credit unions, alternative lenders and private lenders to help you secure mortgage financing that aligns with your financial situation and homeownership goals.

What you can expect:

  • Access to Multiple Lenders: Explore financing options beyond what your bank offers.

  • Competitive Rates & Terms: Compare available mortgage solutions to find the right fit for your needs.

  • Customized Financing Solutions: Financing strategies tailored to your income, credit profile and financial circumstances.

  • Guidance From Application to Funding: I coordinate with lenders and other professionals to keep your mortgage transaction moving toward a successful closing.

My goal: Get you the financing you need, with terms that work for you.

As Your REALTOR®

The Right Home. The Right Mortgage. The Right Negotiator.

Whether you're purchasing your next home or selling your existing property, I bring together real estate expertise, negotiation and mortgage knowledge to help you achieve a successful transaction.

FOR BUYERS

  • Strategic Negotiation: I negotiate to secure the best possible purchase price and terms.

  • Financing Coordination: With my mortgage background, I understand the importance of structuring your purchase around financing requirements and closing timelines.

  • A Successful Closing: I work proactively with your mortgage lender, lawyer and other professionals to keep your transaction on track toward funding and closing.

FOR SELLERS

  • Qualified Buyers: Attract buyers whose financing and financial readiness have been appropriately assessed.

  • Stronger Offers: Position your property to attract serious buyers and competitive offers.

  • Fewer Closing Surprises: Work proactively to identify financing and closing risks before they become problems.

My goal: Stronger offers, qualified buyers and a smooth closing.

Services

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