About
Hello, my name is Khai Luu.
I'm mortgage broker in Alberta who specializes in providing alternative mortgage solutions to borrowers who cannot qualify through traditional banks. Your situation is unique and the solution to your mortgage should be, too.
Have specifics questions about your situations and want to know your options? I'm happy to help. Let's book a call and discuss your options.
Testimonials
Why Work With Me?
Navigating the mortgage landscape can be daunting, especially when traditional banks have said “no.” But that's where I come in. As a mortgage broker who specializes in helping individuals who don’t fit the typical financial profile, I understand the challenges you face—and I’m here to turn those challenges into opportunities.
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Traditional lenders often rely on rigid criteria, leaving many deserving people without options. If you've faced setbacks due to a non-traditional income source, self-employment, credit history, or other unique financial circumstances, I offer a different approach. I work with an extensive network of specialized lenders who look beyond the standard metrics and consider your whole story, giving you access to customized mortgage solutions that banks simply can't provide.
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When you work with me, you're not just a number in a queue—you’re a priority. I take the time to understand your specific needs and craft a strategy that aligns with your financial goals. My commitment is to offer you clear, transparent guidance throughout the process, so you feel empowered and informed every step of the way. I'll handle the heavy lifting, from paperwork to negotiations, making the process as smooth and stress-free as possible.
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I bring a wealth of experience and a track record of success in securing mortgages for people in unique situations. My clients value my dedication, creativity, and personalized service. They appreciate having an advocate who fights for their best interests and finds solutions when others can't.
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If you’ve been denied by traditional banks, don’t let that stop you. Reach out to me today, and let’s explore the options that are right for you. I’m here to help you find a path forward, and to make your homeownership dreams a reality.
Let’s get started! Book your free consultation now and discover how the right mortgage broker can make all the difference.
Advantages
The advantages when using alternative lenders
01
Lower credit requirement.
Alternative lenders with lower credit requirements provide valuable opportunities for borrowers with less-than-perfect credit histories to access mortgage financing. They look beyond credit scores to consider the full financial picture, including income stability, assets, and the potential for credit improvement.
03
Financial start-over.
Alternative lenders provide a valuable opportunity for borrowers seeking a financial fresh start. They are more lenient with past financial difficulties, such as bankruptcies or missed payments, and focus on the borrower’s current situation and future potential. By offering flexible mortgage terms and customized solutions, alternative lenders help individuals rebuild their credit and regain financial stability.
02
Larger loan amount.
Alternative lenders can often offer larger loan amounts than traditional banks by considering the full scope of a borrower's financial situation and more relax debt servicing ratios. Instead of rigidly adhering to conventional lending criteria, they assess additional factors such as overall assets, cash flow, and the property's value.
04
Self-employed focused.
Alternative lenders are ideal for self-employed individuals who may face challenges qualifying for a mortgage through traditional banks. These lenders are more flexible in assessing income, taking into account non-traditional income sources, business earnings, and varying cash flows, rather than relying solely on standard documents like pay stubs or tax returns.
Services
I provide comprehensive mortgage solutions, helping clients navigate the complexities of financing for home purchases, refinancing existing mortgages, consolidating debt, and investing in real estate. With a focus on personalized service, I work with a wide range of lenders to find the best options tailored to each client's unique financial situation and goals. Whether you're a first-time homebuyer, looking to refinance to access your home equity, seeking to consolidate debt, or planning to invest in real estate but can't qualify through the traditional mean, I am here to guide you every step of the way so you can make the most appropriate and profitable decision.
