Spectrum Canada, Mississauga, ON

Spectrum-Canada Mortgage Services Inc. ("Spectrum") is a licensed Canadian financial intermediary with 15 years experience in the area of nonconventional mortgage lending and has developed unique expertise in accessing, processing and funding a range of 1st and 2nd mortgage product. The non-conventional segment of the mortgage market, broadly defined, deals with mortgage borrowers who do not meet typical conservative bank lending criteria. Reasons may include the difficulty in assessing self-employment income, the desire for a higher loan-to-value ratio or debt service ratio than the more conservative lenders can approve or because of past credit problems. It may also be a combination of these factors. Spectrum's strong history in originating, underwriting and managing nonconventional mortgages has given it the specific knowledge necessary to successfully navigate this marketplace and Spectrum will continue to develop new origination, funding and servicing programs to build upon its proven expertise.