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{"sheet":"Veil","index":0,"n_rows":23,"n_cols":3,"rows_kept":23,"cut":false,"hidden":false,"merged":[]}
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[null,null," Copy Protection Test in Progress"]
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[null,null,"This sheet should appear temporarily while your computer runs"]
[null,null,"a brief test of a third party copy protection system."]
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[null,null,"If this sheet remains on your screen for more that a 30 seconds,"]
[null,null,"one of three known conditions likely exists."]
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[null,null,"1. an internet connection is not available"]
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[null,null,"2.  this copy is not registered for this computer,"]
[null,null,"you can obtain subscription info by contacting"]
[null,null,"www.mortgagementor.com/contact-us"]
[]
[null,null,"3. you are registering a new Mortgage Mentor installation on a MAC"]
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[null,null,"and the registration information dialog is not yet complete"]
[null,null,"after this MAC cycle completes, please try clicking the Mortgage Mentor icon again."]

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[null,"This tool is best used as an active spreadsheet using Microsoft Excel."]
[null,null,null,null,"Please read the attached \"Agreement\" before using this tool"]
[null,null,null,"To change from this introduction to any of the other 3 worksheet layers, click on the Tabs at the bottom of the screen (Comparison, Calculator, Footnotes).  Hints for using each are as follows:"]
[]
[null,null,"Comparison Tab"]
[null,null,null,"This comparison table has \"locked\" titles on both the top and left side.  This enables you to scroll throughout the spreadsheet without losing your reference titles."]
[]
[null,null,null,"Cells shaded like this one, indicate there are footnotes for this feature.  To automatically see the footnote on-screen, simply place your mouse pointer over that cell.  Try it here."]
[]
[null,null,null,"Products may be \"Filtered\" or short-listed to help you select the options that apply to your client."]
[null,null,null,"By criterion - to see the short list of the products that fit your clients: LTV, Beacon, income source, etc. simply click on the down arrow in the applicable title cell.  A drop down list of all the options  listed will appear.  Within that new drop-down list, click on the data that most closely fits your clients circumstances and a \"short-list\" of the matching lenders will be left for your review.  You can \"Filter\" on more than one title at a time.  For more details on using the the filter tool contact your RSM."]
[]
[null,null,null,"There seems to be: no industry standard on policies, and great inconsistency in terminology.  The definitions we have used here are:"]
[null,null,null," - Stated = the lender will use the income amount shown on the application"]
[null,null,null," - Declared = the amount shown on a Self Declared letter written by the applicant."]
[]
[null,null,null,"a \"-\" in a Cell/Box indicates that we have asked for the information and there is none that applies. "]
[null,null,null,"a blank Cell/Box or one marked \"Under Advisement\" indicates that the lender has not provided a definite answer yet."]
[]
[null,null,null,"With the exception of Home Trust and Van City, regional lenders have not been included in this tool.  If you have regional lenders in your market area, please forward the email address for their representative and we will add their information to a future release."]
[]
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[null,null,"Calculator Tab"]
[null,null,null,"The \"Calculator\" can be used to compare products where: the fees charged, and rates offered are different, such as: a \"bank\" product at market rates plus the Genworth insurance fee, compared to a \"self insured\" product with posted or above-market rates.  Data may be entered in the coloured cells."]
[]
[null,null,"General Notes"]
[null,null,null,"Contrary to what some lenders are calling them, these types of files are NOT \"Low Doc\".  They would have been better named \"No T-4\" products"]
[]
[]
[null,"Disclaimer"]
[null,"Information provided in this tool is that as supplied by the named lending institution prior to release of this version.  Product features, approval guidelines, and lender policies may change without prior written notice.  Current lender offerings should be confirmed by referring to the latest lender literature or contacting the lender directly prior to quoting: terms, conditions or rates to a client; and prior to submitting an application to the lender. This information is provided solely as a condensed version of market options. The user name and/or logo have been added at the request of the user for the purpose of consumer branding, not product ownership."]
[]
[null,"Developer:- MMI Mortgage Mentor Inc."]
[null,"Author:- R. A. (Rick) Robertson  AMP"]
[null,{"$f":"Comparison!B142","v":"    Proprietary Property of R. A. Robertson"}]
[null,{"$f":"Comparison!B143","v":"    © Copyright 08/01/05 (revised through March 2024"},{"$f":"Comparison!D143","v":0},{"$f":"Comparison!E143","v":0},{"$f":"Comparison!F143","v":0}]
[]
[null,"Use without prior written permission of the Author is prohibited."]

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[null," "]
[null,"\"Building the best broker tools\nsince the fax machine\"\nnot updated past May 31 2018",null,null,"© printing or copying this page or any portion of this page, in any way, without prior written permission of the author is prohibited ",null,null,null,null,null,{"$f":"REPT(\"Niquie  by MORTGAGE MENTOR    : : :   \",24)","v":"Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   Niquie  by MORTGAGE MENTOR    : : :   "}]
[null,null,null,null,"PRODUCT SELECTION",null,null,null,null,null,null,null,null,null,"QUALIFYING",null,null,null,null,null,null,null,null,null,null,"INCOME",null,null,null,null,null,null,null,null,"PRODUCT OPTIONS",null,null,"MISCELLANEOUS"]
[null,null,null,null,"Lending Area","LTV (%) Maximum","Beacon Minimum","Credit","Loan Amount",null,"Equity Minimum","Seconds Allowed","Purpose","Property Type","Insurable",null,"Un-Insurable",null,"Amortization",null,null,"Qualifying Rate",null,"Deal Rate","Rate","Evidence of Income","Income Source","Other Documents Underwriter may ask for","NOA's\nre No tax","Time Self Employed","Max Time Self Employed","100% Commission","Salary plus Commission","Employed\nCo Borrower","Terms Available","Annual","Payment","Security","Application Fees","Appl. Fee added?","Mortgage Risk Insurance","Premium Added to Mort.","Client set-up costs","Appraisal","Title Insurance","New to Canada","Assumable","Portable"," Switch  \"in\"","Refinance","Product Advantage","Finders Fees","Volume Bonus"]
[null,null,null,null,null,null,null,null,"Minimum","Maximum",null,null,null,null,"GDS %","TDS %","GDS %","TDS %","Insurable","Un-Insurable","Minimum","Insurable","Un-Insurable",null,"Buy Down",null,null,null,null,null,null,null,null,null,null,"Prepayment","Increase"]
[null,"Column Finder - click here.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["C.G.","Canada Guaranty\n                    ( Low Doc Advantage )",null,null,"National",90,"Strong","12 months \nNo Derog's","per Lender",750000,"10% incl Gift\n(min 5% own savings)","Case by case","Purch","O/O max 2 units, \nExisting & New Construction",39,44,"n/a","n/a",25,"n/a","per lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per lender","per lender","Stated","BFS","Proof 2yrs BFS\n recent NOA","Current","Min. 2yr provable","No Max.","No","Not Eligible","Std. Underwriting","per Lender","n/a","n/a","1st Mort.","no","no","C.G. Low Doc Premium ","Client choice","n/a","Own","per Lender"," -","On Qual.","Several options","per Lender","Yes","Signed declaration of income acceptable\nSeveral portability options"," -","n/a"]
["C.G.","Canada Guaranty\n      ( BFS Down Payment Advantage )",null,null,"National",95,620,"12 months \nNo Derog's","per Lender","per Lender",0.05,"Case by case","Purch, Purch Plus Improv.","O/O max 4 units, \nExisting & New Construction","35/39","42/44","n/a","n/a",25,"n/a","per lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per lender","per lender","Yes","BFS","per Lender","Current","Min. 2yr","No Max.","2 years","Yes\n 2yr average","Std. Underwriting","per Lender","n/a","n/a","1st Mort.","no","no","C.G. Standard Premium ","Client choice","n/a","Own","per Lender"," -","On Qual.","Yes","per Lender","Yes","per lender"," -","n/a"]
[null,"CMHC  ( Self-Employed )\n                        Traditional Validation",null,null,"National",95,600,"No Derog's","per Lender","per Lender","5% Traditional\n& Non-Traditional","to 95%","Purch, Purch Plus Improv.","O/O max 4 units, \n2-4 unit Small Rental","35/39","42/44","n/a","n/a",25,"n/a","per Lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per lender","per lender","Yes \n15% Gross-up","BFS Documented","2 business related docs","Not Req'd","Min. 2yr same industry","No Max.","2 Years","2 years confirmation","Std. Underwriting","Fixed, ARM's & Capped VRM's","n/a","n/a","1st or 2nd Mort.","no","no","CMHC Standard Premium","Client choice","n/a","Yes","per Lender","Yes","On Qual.","Yes","per Lender","No","per lender"," -","n/a"]
["GNW","Genworth  ( ALT A - BFS )",null,null,"National",90,600,"Strong - 2 years","per Lender",750000,"10% incl Gift\n(min 5% own savings)","Genworth","Purch, Purch Plus Improv.","O/O max 2 units, \nExisting & New Construction",39,44,"n/a","n/a",25,"n/a","per Lender","higher of Deal Rate \nor 5yr Benchmark","n/a","per lender","per lender","Stated","BFS Documented","2 business related docs","Current","Min. 2yr","No Max.","No","Not Eligible","Std. Underwriting","Fixed, VRM, ARM, Capped VRM","n/a","n/a","1st or 2nd Mort.","no","no","Genworth ALT-A\n Premium","Client choice","n/a","Yes","per Lender","No","On Qual.","Several options","per Lender","No","note - ONLY one Genworth insured ALT-A mortgage"," -","n/a"]
["B2B Bank","B2B Bank           ( ALT-A BFS )",null,{"$f":"VLOOKUP(A11,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",90,600,"Strong - 2 years",50000,750000,"10% / 15%\n Gift allowed","to 90%","Purch, ReFi, ETO","O/O max 2 units",39,44,"35/39","42/44",25,"30 / 35","Term","higher of Deal Rate \nor 5yr Benchmark","n/a","Full Disc. Avail.","Yes","Verifiable or Reasonable","BFS Documented","Proof - in business\n and less than 3 years","Not Req'd","Min. 2yr same industry","No Max.","Yes","Yes","Std. Underwriting","VRM, Fixed 6 mo. to 10yr\n Open 6 mo./1yr, 6 mo. Convertible",15,15,"1st Mort.","no","no","Genworth \nover 65% LTV","Yes","n/a","Yes","Always","No"," -","Yes"," -","FCT Platinum","One Lender - MANY options","see rate sheet","n/a"]
["B2B Bank","B2B Bank   \n         ( BFS Bank Statement \"Expanded\" )",null,{"$f":"VLOOKUP(A12,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",80,580,"No Derog's",50000,1000000,"5% None Gifted","to 95%","Several","O/O max 2 units, Second Home\n Small Rental 2 units"," -"," -","35/39","42/44"," -",35,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Full Disc. Avail.","Yes","Verifiable or Reasonable","BFS Documented","2 business related docs","Current","Min. 2yr","No Max.","2 Years","2 years confirmation","Std. Underwriting","Fixed 1yr to 10yr",15,15,"1st Mort.","no","no","CMHC Standard Premium","Yes","n/a","Yes","Always","No"," -","Yes"," -","FCT Platinum","Few lenders fill this niche","see rate sheet","n/a"]
["B2B Bank","B2B Bank         ( New Professional )",null,{"$f":"VLOOKUP(A13,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",80,580,"\"A -\"",50000,1000000,"10% None Gifted","to 90%","Purch, ReFi, ETO","O/O max 2 units, Second Home\n Small Rental 2 units"," -"," -","35/39","42/44"," -",35,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","Yes","Verifiable or Reasonable","Professional Activities","2 business related docs","Current","Min. 2yr","No Max.","No","No","Same Underwriting","Fixed 6 mo. to 10yr\n Open 6 mo./1yr, 6 mo. Convertible",15,15,"1st Mort.","no","no","Title Insurance","no","n/a","Yes","Always","No","On Qual.","Yes"," -","FCT Platinum","Few lenders fill this niche","see rate sheet","Yes"]
["B2B Bank","B2B Bank        ( BFS Stated 2 years + )",null,{"$f":"VLOOKUP(A14,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",65,540,"\"A -\"",50000,750000,"10% None Gifted","to 90%","Purch, ReFi, ETO","O/O max 2 units, Second Home\n Small Rental 2 units"," -"," -",32,40," -","25 / 35","Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","Yes","Declared","BFS Documented","2 business related docs","Current","Min. 2yr same industry","N/A","No","No","Same Underwriting","Fixed 1yr to 5yr",15,15,"1st Mort.","Yes","Yes","Title Insurance","no","n/a","Yes","Always","No","On Qual.","Yes"," -","FCT Platinum","Few lenders fill this niche","see rate sheet","Yes"]
["B2B Bank","B2B Bank  ( BFS Stated UNDER 2 years )",null,{"$f":"VLOOKUP(A15,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",65,540,"\"A -\"",50000,500000,"10% None Gifted","to 90%","Purch, ReFi, ETO","O/O max 2 units, Second Home"," -"," -",45,50," -",35,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","Yes","Declared","BFS Documented","2 business related docs","Current","n/a","2 years","No","No","Same Underwriting","Fixed 1yr to 5yr",15,15,"1st Mort.","Yes","Yes","Title Insurance","no","n/a","Yes","Always","No","On Qual.","Yes"," -","FCT Platinum","Few lenders fill this niche","see rate sheet","Yes"]
["B2B Bank","B2B Bank            \n        ( Secondary Income Qualifier S.I.Q. )",null,{"$f":"VLOOKUP(A16,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",80,580,"\"A -\"",50000,1000000,"10% None Gifted","to 90%","Purch, ReFi, ETO","O/O, Second Home, Small Rental,  Max 2 units all types"," -"," -","35/39","42/44"," -",35,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","Yes","Declared \n1st & 2nd Inc.","Many\n see comment","Verification of Primary & Secondary","Current","6 mo. to 2yr","N/A","No","Yes","Same Underwriting","Fixed 6 mo. to 10yr\n Open 6 mo./1yr, 6 mo. Convertible",15,15,"1st Mort.",null,null,"Title Insurance","no","n/a","Yes","Always","No","On Qual.","Yes"," -","FCT Platinum","Few lenders fill this niche","see rate sheet","Yes"]
["B2B Bank","B2B Bank            Alternative\n        ( Secondary Income Qualifier S.I.Q. )",null,{"$f":"VLOOKUP(A17,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",80,540,"\"A -\"",50000,1000000,"10% None Gifted","to 90%","Purch, ReFi, ETO","O/O, Second Home, Small Rental,  Max 2 units all types"," -"," -"," -","42/45"," -",35,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","Yes","Declared \n1st & 2nd Inc.","Many\n see comment","Verification of Primary & Secondary","Current","6 mo. to 2yr","N/A","No","Yes","Same Underwriting","Fixed 1yr to 5yr",15,15,"1st Mort.",null,null,"Title Insurance","no","n/a","Yes","Always","No","On Qual.","Yes"," -","FCT Platinum","Few lenders fill this niche","see rate sheet","Yes"]
["B2B Bank","B2B Bank            ( Credit Rebuild )",null,{"$f":"VLOOKUP(A18,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",65,540,"Bankrupt & Counselling",50000,750000,0.35,"to 90%","Purch, ReFi, ETO","O/O max 2 units"," -"," -"," -","40/42/45"," -","25/30/35","Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","Yes","Verifiable","Many\n see comment","Case-by-case","Current","Min. 2yr","N/A","Yes","Yes","Same Underwriting","Fixed 1yr to 5yr",15,15,"1st Mort.","if Beacon <620 up to 1%","Yes","Title Insurance","no","n/a","Yes","Always","No","On Qual.","Yes"," -","FCT Platinum","Very Few lenders fill this niche","see rate sheet","Yes"]
["B2B Bank","B2B Bank            ( Equity 50 )",null,{"$f":"VLOOKUP(A19,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",50,660,"\"A -\"\nwith Net Worth",50000,400000,0.35,"No                                    ","Purch, ReFi, ETO","O/O max 2 units"," -"," -"," -","44/70"," -","30 / 35","Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best +.85%","Yes","Verifiable or BFS","\"reasonable\" \nBFS or Salaried","Case-by-case","Current","Under 2 years","N/A","Yes","Yes","Same Underwriting","Fixed 1yr to 5yr",15,15,"1st Mort.","sometimes","Yes","Title Insurance","no","n/a","Yes","Always","No","On Qual.","Yes"," -","FCT Platinum","Very Few lenders fill this niche","see rate sheet","Yes"]
["B2B Bank","B2B Bank            ( Equity 65 )",null,{"$f":"VLOOKUP(A20,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",65,660,"\"A -\"\nwith Net Worth",50000,400000,0.35,"No                                    ","Purch, ReFi, ETO","O/O max 2 units"," -"," -"," -","50/65"," -","30 / 35","Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best +.85%","Yes","Minimal","BFS or Salaried","Case-by-case","Current","Min. 2yr","N/A","Yes","Yes","Same Underwriting","Fixed 1yr to 5yr",15,15,"1st Mort.","sometimes","Yes","Title Insurance","no","n/a","Yes","Always","No","On Qual.","Yes"," -","FCT Platinum","Very Few lenders fill this niche","see rate sheet","Yes"]
["B2B Bank","B2B Bank      ( BFS Homeowners Kit )",null,{"$f":"VLOOKUP(A21,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",65,650,"\"A\" to \"A -\"",50000,350000,"10% None Gifted","to 90%","Purch, ReFi","O/O max 2 units"," -"," -",32,40," -",35,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Full Disc. Avail.","Yes","Verifiable","BFS","depends on each individual deal","Current","Min time\n same industry","N/A","Yes","Yes","Yes","6 mo. to 10yr \nVRM, ARM, LOC",15,15,"1st Mort.","Yes","Yes","Title Insurance","no","n/a","Yes","Always","No","On Qual.","Yes","Yes","FCT Platinum","Few lenders fill this niche","see rate sheet","Yes"]
["B2B Bank","B2B Bank      ( Self Employed LOC )",null,{"$f":"VLOOKUP(A22,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",65,650,"Good - 2 years",50000,350000,0.35,"No                                    ","Purch, ReFi","O/O max 2 units, No condos"," -"," -",32,40," -",999,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Min Prime +.25%\n based on deal strength","Yes","Flexible","BFS Documented","2 business related docs","Current","Min. 2yr same industry","N/A","No","Not Eligible","Yes","LOC.",15,15,"1st Mort.","no","no","Title Insurance","no","Appraisal, Legal","Yes","Always","No","On Qual.","No","Yes","FCT Platinum","Line of Credit for Self Employed VERY Few lenders offer this","50 bp on Auth. Limit","Yes"]
["B2B Bank","B2B Bank ( Self Employed Provable LOC )",null,{"$f":"VLOOKUP(A23,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",65,650,"Good - 2 years",50000,350000,0.35,"No                                    ","Purch, ReFi, ETO","O/O max 2 units, No condos"," -"," -",32,40," -",999,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Min Prime +.25%\n based on deal strength","Yes","Flexible","BFS Documented","2 business related docs","Current","Min. 2yr same industry","N/A","Yes","Not Eligible","Yes","LOC.",15,15,"1st Mort.","no","no","Title Insurance","no","n/a","Yes","Always","No","On Qual.","No","Yes","FCT Platinum",null,"50 bp on Auth. Limit","Yes"]
["Bridgewater Bank","Bridgewater    ( Gateway Mortgage 80% )",null,{"$f":"VLOOKUP(A24,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",80,"550-500","Bruised",100000,750000,"Own Resource, Gift, or Borrowed","90% With permission","Purch, ReFi, ETO,\npay CRA & Taxes","O/O max 2 units, Second Home, Vacation, Small Rental, Mobile"," -"," -",45,50," -",30,16," -","Deal Rate +2.00%","see comment","no","Yes","Employment or Own Company","Standard plus\n Financial Statements","Current","n/a","No Max.","Yes","Yes","Yes","1,2,3 yr",20,20,"1st Mort.","1%, 1.5%, 2%","to 80%","n/a","n/a","Yes","Solidifi","Always","No","On Qual.","Straight","No","Yes","Several Income types, Self Employed and Commission applicants to 80%","1yr - 60bps, 2yr - 70bps,\n 3yr - 80bps"," -"]
["Bridgewater Bank","Bridgewater   ( Gateway Mortgage ALT-A )",null,{"$f":"VLOOKUP(A25,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",80,"550-500","Bruised",100000,750000,"Own Resource, Gift, or Borrowed","90% With permission","Purch, ReFi, ETO,\npay CRA & Taxes","O/O max 2 units, Second Home, Vacation, Small Rental, Mobile"," -"," -",45,50," -",30,16," -","Deal Rate +2.00%","see comment","no","BFS ALT \n25% gross-up","BFS / Commis. Documented","2yr T1,  SoBA,\n Financial Statements","Current","Min. 2yr same industry","No Max.","Yes","Yes","Yes","1,2,3 yr",20,20,"1st Mort.","1%, 1.5%, 2%","to 80%","n/a","n/a","Yes","Solidifi","Always","No","On Qual.","Straight","No","Yes","Several Income types, Self Employed and Commission applicants to 80%","1yr - 60bps, 2yr - 70bps,\n 3yr - 80bps"," -"]
["Bridgewater Bank","Bridgewater   \n        ( Gateway Self-Declared Income 65% )",null,{"$f":"VLOOKUP(A26,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",65,550,"Bruised",100000,750000,"Own Resource, Gift, or Borrowed","90% With permission","Purch, ReFi, ETO,\npay CRA & Taxes","O/O max 2 units, Second Home, Vacation, Small Rental, Mobile"," -"," -",45,50," -",30,16," -","Deal Rate +2.00%","see comment","no","Declared","All Types","Confirmation of Business","Current","No Min","No Max.","Yes","Yes","Yes","1,2,3 yr",20,20,"1st Mort.","1%, 1.5%, 2%","to 65%","n/a","n/a","Yes","Solidifi","Always","No","On Qual.","Straight","No","Yes","65%, Low Beacon, \"N.I.Q.\"\nfor all income types.","1yr - 60bps, 2yr - 70bps,\n 3yr - 80bps"," -"]
["Canadiana Financial","Canadiana    ( BFS Traditional Validation )",null,{"$f":"VLOOKUP(A27,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",95,620,"No Derog's",75000,"$925,000 \nplus ins.","Own Resource, Gift","No","Purch, Purch Plus Improv.","O/O max 4 units, Second Home","35/39","42/44"," -"," -",25," -","18 / 15","higher of Deal Rate \nor 5yr Benchmark"," -","Based on LTV","Yes","Yes","BFS Documented","2 business related docs","2yrs","3 years","No Max.","2 Years","2 years confirmation","Std. Underwriting","1,2,3,4,5 yr\n & 5yr ARM",20,"20\nMatch & Miss","1st Mort.","no","no","CMHC Standard Premium","75%+ LTV","n/a","Solidifi\n see comment","Req'd\n FCT"," -","On Qual.","Yes","No Fee","Yes","Canadiana Underwriters look for, and suggest, ways to make the deal work","See Rate Sheet"," -"]
["CMLS","CMLS               ( BFS - ALT A - Insurable )",null,{"$f":"VLOOKUP(A28,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",90,600,"Strong - 2 years",50000,"$750,000 $500,000","10% plus Gifted \nnone Borrowed","Case by case","Purch, Purch Plus Improv.","O/O max 2 units","35/39","42/44"," -"," -",25," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","Best +.05%","Yes","Stated","BFS Documented","2 business related docs","Current","Min. 2yr same industry","No Max.","No","Not Eligible","Std. Underwriting","1,2,3,4,5,7,10\n 3,5yr ARM",20,20,"1st Mort.","no","no","Genworth ALT-A\n Premium","65%+ LTV","n/a","Auto-Valuation","Always","No","On Qual.","Yes","Yes","Low Cost FCT","note - ONLY one Genworth insured ALT-A mortgage"," -","No"]
["CMLS","CMLS  (Self-Employed Provable Insurable )",null,{"$f":"VLOOKUP(A29,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",95,600,"No Derog's",50000,"$925,000 $750,000","5% None Gifted","Case by case","Purch, Purch Plus Improv.","O/O max 4 units, Second Home 2 units, Small Rental 2-4 units","35/39","42/44"," -"," -",25," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","Best","Yes","Yes","Several Documented","2 business related docs","Current","n/a","No Max.","2 Years","2 years confirmation","Std. Underwriting","1,2,3,4,5,7,10\n 3,5yr ARM",20,20,"1st Mort.","no","no","All three","Client choice","n/a","Auto-Valuation","Always","No","On Qual.","Yes","Yes","Low Cost FCT",null," -","No"]
["CMLS","CMLS  AVEO   ( Full Doc 80% )",null,{"$f":"VLOOKUP(A30,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"limited - BC AB SK Wpg ON",80,600,"see Comments",100000,"$1,000,000 \nor less","20% None Borrowed, Gift","to 90%","Purch, ReFi, ETO \nCRA, GST, Derogatory Credit","O/O to 4 Units, Small Rental"," -"," -","39/44/50","44/44/50"," -","25 / 35",25," -","Deal Rate +2.00%","Deal Q10 Based","no","Yes","any provable \nvia T1 or NOA","Credit, Job Letter, Paystubs, \nproof of BFS income","Current","Min 2 yrs","N/A","2 Years","2 years confirmation","Yes","1,2,3 yr",20,20,"1st Mort.","1-2% \n+ Admin Fee","Yes","n/a","n/a","Legal & Appraisal","Solidifi","Always","No","No","Yes","No","Solicitor","Financing for clients with blemished credit at competitive market rates.","50%/50% split on the Lender Fee","No"]
["CMLS","CMLS  AVEO   \n              ( BFS & Commission Stated 65% )",null,{"$f":"VLOOKUP(A31,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"limited - BC AB SK Wpg ON",65,550,"see Comments",100000,"$750,000 $500,000","20% None Borrowed","to 90%","Purch, ReFi, ETO","O/O to 4 Units, Second Home, Vacation, Small Rental"," -"," -",45,50," -","25 / 30",25," -","higher of 5yr Benchmark or Deal Rate +2.00%","Deal Q10 Based","no","Declared","Own business","3rd party confirmation","NOA or CA","Min. 2yr same industry","No Max.","2 Years","2 years confirmation","If Beacon 550+","1,2,3 yr",20,20,"1st Mort.","1-2%","Yes","n/a","n/a","Legal & Appraisal","Solidifi","Always","No","No","Yes","No","Solicitor","Financing for clients with blemished credit at competitive market rates.","50%/50% split on the Lender Fee","No"]
["CMLS","CMLS  AVEO   \n    ( ALT / Lite Doc  BFS & Alternative 80% )",null,{"$f":"VLOOKUP(A32,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"limited - BC AB SK Wpg ON",80,620,"see Comments",100000,"$750,000 $500,000","20% None Borrowed","to 90%","Purch, ReFi, ETO","O/O to 4 Units, Second Home, Vacation, Small Rental"," -"," -",45,50," -","25 / 30",25," -","higher of 5yr Benchmark or Deal Rate +2.00%","Deal Q10 Based","no","Yes","any provable \nvia T1 or NOA","3rd party confirmation","NOA or CA","n/a","N/A","2 Years","2 years confirmation","If Beacon 550+","1,2,3 yr",20,20,"1st Mort.","1-2%","Yes","n/a","n/a","Legal & Appraisal","Solidifi","Always","No","No","Yes","No","Solicitor","Financing for clients with blemished credit at competitive market rates.","50%/50% split on the Lender Fee","No"]
["CMLS","CMLS  AVEO   ( Full Doc 65% )",null,{"$f":"VLOOKUP(A33,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"limited - BC AB SK Wpg ON",65,500,"see Comments",100000,"$750,000 $500,000","35% None Borrowed, Gift","to 90%","Purch, ReFi, ETO \nCRA, GST, Derogatory Credit","O/O to 4 Units, Second Home, Vacation, Small Rental"," -"," -",45,50," -","25 / 30",25," -","higher of 5yr Benchmark or Deal Rate +2.00%","Deal Q10 Based","no","Yes","any provable \nvia T1 or NOA","Credit, Job Letter, Paystubs, \nproof of BFS income","n/a","n/a","N/A","2 Years","2 years confirmation","If Beacon 550+","1,2,3 yr",20,20,"1st Mort.","1-2%","Yes","n/a","n/a","Legal & Appraisal","Solidifi","Always","No","No","Yes","No","Solicitor","Financing for clients with blemished credit at competitive market rates.","50%/50% split on the Lender Fee","No"]
["Equitable Bank","Equitable Bank  Conventional \n                          ( BC South Coast )",null,{"$f":"VLOOKUP(A34,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC",80,0,"see Comments",90000,"No Max","20% - Savings, Gifted, Borrowed, VTB","to 90%","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","with Edge Fee","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1,2,3,4,5\n 1 Open  3,5 ARM",20,"n/a","1st Mort.","see comment","Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","FLEXIBILITY on income & credit  workable borrower solutions","see product sheet","No"]
["Equitable Bank","Equitable Bank  Conventional \n                          ( BC Okanagan )",null,{"$f":"VLOOKUP(A35,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC",80,0,"see Comments",90000,"No Max","20% - Savings, Gifted, Borrowed, VTB","to 90%","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","with Edge Fee","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1,2,3,4,5\n 1 Open  3,5 ARM",20,"n/a","1st Mort.","see comment","Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","FLEXIBILITY on income & credit  workable borrower solutions","see product sheet","No"]
["Equitable Bank","Equitable Bank  Conventional \n                          ( Alberta )",null,{"$f":"VLOOKUP(A36,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"AB",80,0,"see Comments",90000,"No Max","20% - Savings, Gifted, Borrowed, VTB","to 90%","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","with Edge Fee","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1,2,3,4,5\n 1 Open  3,5 ARM",20,"n/a","1st Mort.","see comment","Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","FLEXIBILITY on income & credit  workable borrower solutions","see product sheet","No"]
["Equitable Bank","Equitable Bank  Conventional \n                          ( Saskatchewan )",null,{"$f":"VLOOKUP(A37,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"SK",80,0,"see Comments",90000,"No Max","20% - Savings, Gifted, Borrowed, VTB","to 90%","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","with Edge Fee","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1,2,3,4,5\n 1 Open  3,5 ARM",20,"n/a","1st Mort.","see comment","Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","FLEXIBILITY on income & credit  workable borrower solutions","see product sheet","No"]
["Equitable Bank","Equitable Bank  Conventional \n                          ( Manitoba, Ontario )",null,{"$f":"VLOOKUP(A38,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"MB ON",80,0,"see Comments",75000,"No Max","20% - Savings, Gifted, Borrowed, VTB","to 90%","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","with Edge Fee","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1,2,3,4,5\n 1 Open  3,5 ARM",20,"n/a","1st Mort.","see comment","Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","FLEXIBILITY on income & credit  workable borrower solutions","see product sheet","No"]
["Equitable Bank","Equitable Bank Conventional\n                          ( Quebec, Atlantic )",null,{"$f":"VLOOKUP(A39,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"PQ, Atlantic",80,0,"see Comments",75000,"No Max","20% - Savings, Gifted, Borrowed, VTB","to 90%","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","with Edge Fee","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1,2,3,4,5\n 1 Open  3,5 ARM",20,"n/a","1st Mort.","see comment","Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","FLEXIBILITY on income & credit  workable borrower solutions","see product sheet","No"]
["Equitable Bank","Equitable Bank  Total Worth\n                          ( BC South Coast )",null,{"$f":"VLOOKUP(A40,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC",65,550,"see Comments",90000,1300000,"35%Down Payment  plus Net Worth 20% / 35% ","No","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","no","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1,2,3,4,5",20,"n/a","1st Mort.","see comment","Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","FLEXIBILITY on income & credit  workable borrower solutions","see product sheet","No"]
["Equitable Bank","Equitable Bank  Total Worth\n                          ( Alberta )",null,{"$f":"VLOOKUP(A41,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"AB",65,550,"see Comments",90000,1300000,"35%Down Payment  plus Net Worth 20% / 35% ","No","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","no","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1,2,3,4,5",20,"n/a","1st Mort.","see comment","Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","FLEXIBILITY on income & credit  workable borrower solutions","see product sheet","No"]
["Equitable Bank","Equitable Bank  Total Worth\n                          ( Saskatchewan )",null,{"$f":"VLOOKUP(A42,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"SK",65,550,"see Comments",90000,1300000,"35%Down Payment  plus Net Worth 20% / 35% ","No","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","no","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1,2,3,4,5",20,"n/a","1st Mort.","see comment","Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","FLEXIBILITY on income & credit  workable borrower solutions","see product sheet","No"]
["Equitable Bank","Equitable Bank  Total Worth\n                          ( Manitoba, Ontario )",null,{"$f":"VLOOKUP(A43,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"MB ON",65,550,"see Comments",90000,1300000,"35%Down Payment  plus Net Worth 20% / 35% ","No","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","no","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1,2,3,4,5",20,"n/a","1st Mort.","see comment","Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","FLEXIBILITY on income & credit  workable borrower solutions","see product sheet","No"]
["Equitable Bank","Equitable Bank  Total Worth\n                          ( Quebec, Atlantic )",null,{"$f":"VLOOKUP(A44,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"PQ, Atlantic",65,550,"see Comments",90000,1300000,"35%Down Payment  plus Net Worth 20% / 35% ","No","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","no","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1,2,3,4,5",20,"n/a","1st Mort.","see comment","Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","FLEXIBILITY on income & credit  workable borrower solutions","see product sheet","No"]
["Equitable Trust","Equitable Bank  ~ YES YOU CAN \n           ( to 85% without insurance West )",null,{"$f":"VLOOKUP(A45,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":{"$error":"#N/A"}},"BC AB SK MB",85,550,"see Comments",90000,"No Max","15% - Savings, Gifted,\n Borrowed, VTB","to 90%","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","30 / 25",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","no","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Provable or\nDeclared if BFS","1,2yr",20,"n/a","1st Mort.",0.01,"Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","FLEXIBLE High Ratio\n WITHOUT traditional insurance","1yr - 50bps,\n 3yr - 80bps","No"]
["Equitable Trust","Equitable Bank  ~ YES YOU CAN\n        ( to 85% without insurance Atlantic)",null,{"$f":"VLOOKUP(A46,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":{"$error":"#N/A"}},"NB NL NS PEI",85,600,"see Comments",75000,"No Max","15% - Savings, Gifted,\n Borrowed, VTB","to 90%","Purch, ReFi, ETO","O/O max 4 units"," -"," -",48,48," -","30 / 25",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","no","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Provable or\nDeclared if BFS","1,2yr",20,"n/a","1st Mort.",0.01,"Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","FLEXIBLE High Ratio\n WITHOUT traditional insurance","1yr - 50bps,\n 2yr - 60bps","No"]
["Equitable Trust","Equitable Bank  ~ YES YOU CAN\n         ( to 85% without insurance Ontario )",null,{"$f":"VLOOKUP(A47,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":{"$error":"#N/A"}},"ON",85,550,"see Comments",75000,"No Max","15% - Savings, Gifted,\n Borrowed, VTB","to 90%","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","30 / 25",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted Plus","no","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Provable or\nDeclared if BFS","1,2yr",20,"n/a","1st Mort.",0.01,"Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","FLEXIBLE High Ratio\n WITHOUT traditional insurance","1y - 50bps,  2y - 60bps,\n 3y - 90bps","No"]
["Equitable Bank","Equitable Bank        ( 1yr OPEN West )",null,{"$f":"VLOOKUP(A48,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB",80,500,"see Comments",90000,"No Max","25% - Savings, Gifted, Borrowed, VTB","to 90%","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted + 1.85%-2.60%","no","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1 Open","Open","n/a","1st Mort.","see comment","Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","RARE ~ 1 Year Open (includes rentals)","see product sheet","No"]
["Equitable Bank","Equitable Bank      ( 1yr OPEN Ontario )",null,{"$f":"VLOOKUP(A49,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"ON",80,500,"see Comments",75000,"No Max","25% - Savings, Gifted, Borrowed, VTB","to 90%","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted + 1.85%-2.60%","no","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1 Open","Open","n/a","1st Mort.","see comment","Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","RARE ~ 1 Year Open (includes rentals)","see product sheet","No"]
["Equitable Bank","Equitable Bank      ( 1yr OPEN Quebec )",null,{"$f":"VLOOKUP(A50,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"PQ",80,500,"see Comments",75000,"No Max","25% - Savings, Gifted, Borrowed, VTB","to 90%","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted + 1.85%-2.60%","no","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1 Open","Open","n/a","1st Mort.","see comment","Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","RARE ~ 1 Year Open (includes rentals)","see product sheet","No"]
["Equitable Bank","Equitable Bank      ( 1yr OPEN Atlantic )",null,{"$f":"VLOOKUP(A51,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"PQ, Atlantic",80,500,"see Comments",75000,"No Max","25% - Savings, Gifted, Borrowed, VTB","to 90%","Purch, ReFi, ETO","O/O or Rental \nmax 4 units"," -"," -",48,48," -","25 / 30",10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Posted + 1.85%-2.60%","no","Declared","Many\n see comment","Gift letter, VTB Agreement  \ncall BDM","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1,2,3,4,5\n 1 Open  3,5 ARM","Open","n/a","1st Mort.","see comment","Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","RARE ~ 1 Year Open (includes rentals)","see product sheet","No"]
["Equitable Bank","Equitable Bank \n              ( Stated, Commission RENTAL )",null,{"$f":"VLOOKUP(A52,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB",65,600,"see Comments",100000,"No Max","35%: Own, Gifted, Borrowed, VTB","to 90%","Purch, ReFi, ETO","Residential Rental"," -"," -",48,48," -","25 / 30",10,"higher of Deal Rate +2% or 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Diamond +1% Purch\n +1.25% ReFi","no","Stated","Many\n see comment","Evidence of Self Employed","Not Req'd","Min 6 months","N/A","Yes","Yes","Yes","1,2,3,4,5\n & 1yr Open",20,"n/a","1st Mort.",0.02,"Yes","n/a","n/a","Appraisal","Yes","Always","Yes","On Qual.","Yes","n/a","Yes","Stated & Commission rentals","2% Fee - Split","No"]
["First National Financial","First National    ( Insured Stated Income )",null,{"$f":"VLOOKUP(A53,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",90,600,"Min. 2 years\n clean, active",50000,"$750,000 \n$600,000","5% Own Resource,\n+ Gifted","No                                    ","Purch, Purch Plus Improv., Switch","O/O, max 2 units (some leases)","35/39","42/44"," -"," -",25," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","BFS rates","Yes","Stated","BFS Documented","Proof 2yrs BFS","Current","Min. 2yr","No Max.","No","Not Eligible","Std. Underwriting","5 & 5 VRM",15,"15% + Double up","1st Mort.","no","no","Genworth or C.G. Premium","Yes","n/a","If requested","Always \nPQ Optional","No","On Qual.","Yes","Yes","No","Offer high ratio financing - up to 90% LTV for a purchase","see rate sheet","Yes"]
["First National Financial","First National   ( Conventional Stated 65 )",null,{"$f":"VLOOKUP(A54,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",65,680,"Min. 3 years\n clean, active",50000,"$650,000\n$600,000","5% Own Resource,\n+ Gifted","No                                    ","Purch, ReFi, ETO","O/O, max 2 units (some leases)"," -"," -",39,44," -",25,10," -","higher of Deal Rate or \n5yr Benchmark","BFS rates","Yes","Stated","BFS Documented","Proof 2yrs BFS","Current","Min. 2yr","No Max.","No","Not Eligible","Std. Underwriting","5 & 5 VRM",15,"15% + Double up","1st Mort.","no","no","First National pays","n/a","n/a","If requested","Always","No","On Qual.","Yes","No","Yes","\"Pre-Approvals\" available on review of appl.  \nVariable rate option available.","see rate sheet","Yes"]
["First National Financial","First National \n      ( BFS CMHC Insured Proven Income )",null,{"$f":"VLOOKUP(A55,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",95,600,"Min. 2 years\n clean, active",50000,"$925,000 \nplus ins.","5% Own Resource,\n+ Gifted","No                                    ","Purch, Purch Plus Improv., Switch","O/O to 4 units, Second Home\n (some lease)","35/39","42/44"," -"," -",25," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","Based on LTV & Beacon","Yes","Provable","BFS Documented","2 business related docs","Current","n/a","No Max.","2 Years","Yes","Std. Underwriting","1,2,3,4,5,6,7,10\n 6 mo. & VRM",15,"15% + Double up","1st Mort.","no","no","CMHC Standard Premium","Yes","n/a","If requested","Always","No","On Qual.","Yes","Yes","No","Offer Self Employed high ratio financing - up to 95% LTV for a purchase","see rate sheet","Yes"]
["First National Financial","First National \n             ( BFS Insurable Proven Income )",null,{"$f":"VLOOKUP(A56,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",80,600,"Min. 2 years\n clean, active",50000,"$925,000 \nplus ins.","5% Own Resource,\n+ Gifted","No                                    ","Purch, Purch Plus Improv., Switch","O/O to 4 units, Second Home\n (some lease)","35/39","42/44"," -"," -",26," -",11,"higher of Deal Rate \nor 5yr Benchmark"," -","Based on LTV & Beacon","Yes","Provable","BFS Documented","2 business related docs","Current","n/a","No Max.","2 Years","Yes","Std. Underwriting","1,2,3,4,5,6,7,10\n 6 mo. & VRM",15,"15% + Double up","1st Mort.","no","no","n/a","n/a","n/a","If requested","Always","Yes if Citizen","On Qual.","Yes","Yes","No","Ideal for Self Employed who have established provable income.","see rate sheet","Yes"]
["First National Financial","First National \n        ( BFS Conventional Proven Income )",null,{"$f":"VLOOKUP(A57,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",80,620,"Min. 2 years\n clean, active",50000,"No Max","5% Own Resource,\n+ Gifted","No                                    ","Purch, Purch Plus Improv., Switch","O/O to 4 units, Second Home\n (some lease)"," -"," -",39,44," -",30,10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Based on LTV & Beacon","Yes","Provable","BFS Documented","2 business related docs","Current","n/a","No Max.","2 Years","Yes","Std. Underwriting","1,2,3,4,5,6,7,10\n 6 mo. & VRM",15,"15% + Double up","1st Mort.","no","no","n/a","n/a","n/a","If requested","Always","Yes if Citizen","On Qual.","Yes","Yes","Yes","Ideal for Self Employed who have established provable income.","see rate sheet","Yes"]
["First National Financial","First National  \n                          ( EXCALIBUR  BFS 80 )",null,{"$f":"VLOOKUP(A58,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",80,550,"Min. 6 months\n clean, active",50000,"$1,000,000\n$800,000","20% Own Resource,\n+ Gifted","No                                    ","Purch, ReFi, ETO","O/O, max 4 units"," -"," -",45,50," -",30,10," -","higher of Deal Rate or \n5yr Benchmark","EXCALIBUR rates","Yes","Declared","BFS Documented","Proof 6 months BFS","Current","Min. 6 mos.","No Max.","Yes","Yes","n/a","1,2 yr",15,"15% + Double up","1st Mort.",null,null,"n/a","n/a","Appraisal","Yes","Always","No","On Qual.","Yes","No","Yes","Ideal for Self Employed who have demonstrated ability to run their business responsibly","see rate sheet","Yes"]
["First National Financial","First National  \n                          ( EXCALIBUR  BFS 65 )",null,{"$f":"VLOOKUP(A59,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",65,550,"Min. 6 months\n clean, active",50000,650000,"20% Own Resource,\n+ Gifted","No                                    ","Purch, ReFi, ETO","O/O, max 4 units"," -"," -",45,50," -",30,10," -","higher of Deal Rate or \n5yr Benchmark","EXCALIBUR rates","Yes","Declared","BFS Documented","Proof 6 months BFS","Current","Min. 6 mos.","No Max.","Yes","Yes","n/a","1,2 yr",15,"15% + Double up","1st Mort.",null,null,"n/a","n/a","Appraisal","Yes","Always","No","On Qual.","Yes","No","Yes","Ideal for Self Employed who have demonstrated ability to run their business responsibly","see rate sheet","Yes"]
["First National Financial","First National   \n             ( EXCALIBUR Bruised Credit 80 )",null,{"$f":"VLOOKUP(A60,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",80,500,"Min. 6 months\n clean, active",50000,"$1,000,000\n$800,000","20% Own Resource,\n+ Gifted","No                                    ","Purch, ReFi, ETO","O/O, max 4 units"," -"," -",45,50," -",30,10," -","higher of Deal Rate or \n5yr Benchmark","EXCALIBUR rates","Yes","Declared or Provable","BFS Documented","Proof 6 months BFS\nor  std. Employment docs","Current","Min. 6 mos.","No Max.","Yes","Yes","n/a","1,2 yr",15,"15% + Double up","1st Mort.",null,null,"n/a","n/a","Appraisal","Yes","Always","No","On Qual.","Yes","No","Yes","Ideal for clients with a life event that has caused their credit to be impaired","see rate sheet","Yes"]
["First National Financial","First National   \n             ( EXCALIBUR Bruised Credit 65 )",null,{"$f":"VLOOKUP(A61,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",65,500,"Min. 6 months\n clean, active",50000,650000,"20% Own Resource,\n+ Gifted","No                                    ","Purch, ReFi, ETO","O/O, max 4 units"," -"," -",45,50," -",30,10," -","higher of Deal Rate or \n5yr Benchmark","EXCALIBUR rates","Yes","Declared or Provable","BFS Documented","Proof 6 months BFS\nor std. Employment docs","Current","Min. 6 mos.","No Max.","Yes","Yes","n/a","1,2 yr",15,"15% + Double up","1st Mort.",null,null,"n/a","n/a","Appraisal","Yes","Always","No","On Qual.","Yes","No","Yes","Ideal for clients with a life event that has caused their credit to be impaired","see rate sheet","Yes"]
[null,"Home Equity Bank  ( N.I.Q )",null,{"$f":"VLOOKUP(A62,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":{"$error":"#N/A"}},"National",50,"not checked","can payout Bankruptcy",30000,1000000,"n/a","n/a","Purch, ReFi, ETO, Cash Flow, Gifting","O/O, Second Home\n (not leased land)"," -"," -"," -"," -"," -"," -","n/a"," -"," -","near Posted","no","n/a","n/a","No","Not Req'd","No",null,"No","n/a","n/a","6 mo,1,3,5 yr\n & ARM","Open","n/a","1st Mort.","Legal Package","no","n/a","n/a","Yes","Yes","case-by-case","Yes if Citizen","On Qual.","No","No","Yes","No Payment Option !!","see comment","No"]
["Home Trust","Home Trust  ( Accelerator BFS CMHC )",null,{"$f":"VLOOKUP(A63,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",95,640,"Min. 2 years\n clean, active",50000,"$925,000 \nplus ins.","5% own resources, further gifts allowed","No","Purch","O/O max 2 units, Second Home, Small Rental",39,44," -"," -",25," -",15,"higher of 5yr Benchmark or Deal Rate +2.00%"," -","Best","Yes","Yes","BFS Documented","2 business related docs","2yrs","Min. 2yr","N/A","2 Years","2 years confirmation","Std. Underwriting","1,2,3,4,5\n VRM",20,20,"1st Mort.","no","no","CMHC Premium","All Deals","n/a","sometimes","Always\n+ E.Quake"," -","On Qual.","Yes \n$500 fee","Yes","Yes","Canada's original alternative lender - 37 year track record ","50 - 80 bps","Yes"]
["Home Trust","Home Trust  ( Accelerator BFS Genworth )",null,{"$f":"VLOOKUP(A64,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",90,640,"Min. 2 years\n clean, active",50000,"$925,000 \nplus ins.","5% own resources, further gifts allowed","No","Purch","O/O max 2 units",39,44," -"," -",25," -",15,"higher of 5yr Benchmark or Deal Rate +2.00%"," -","Best","Yes","Yes","BFS Documented","2 business related docs","2yrs","Min. 2yr same industry","N/A","No","Not Eligible","Std. Underwriting","1,2,3,4,5\n VRM",20,20,"1st Mort.","no","no","Genworth ALT-A\n Premium","All Deals","n/a","sometimes","Always\n+ E.Quake"," -","On Qual.","Yes \n$500 fee","Yes","Yes","Canada's original alternative lender - 37 year track record ","50 - 80 bps","Yes"]
["Home Trust","Home Trust  ( Low Doc Accelerator GNW )",null,{"$f":"VLOOKUP(A65,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",90,640,"Min. 2 years\n clean, active",50000,"$925,000 \nplus ins.","10% - own resources\n further gifts allowed","No","Purch","O/O max 2 units",39,44," -"," -",25," -",15,"higher of 5yr Benchmark or Deal Rate +2.00%"," -","Best","Yes","Declared \nw/ H.T's letter","BFS Documented","2 business related docs","Current","Prefer 2 years","N/A","No","Not Eligible","Std. Underwriting","1,2,3,4,5\n VRM",20,20,"1st Mort.","no","no","Genworth\n Premium","All Deals","n/a","sometimes","Always\n+ E.Quake","No","On Qual.","Yes \n$500 fee","Yes","Yes","Canada's original alternative lender - 37 year track record ","50 - 80 bps","Yes"]
["Home Trust","Home Trust ( Classic ACE Plus )",null,{"$f":"VLOOKUP(A66,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,700,"Min. 2 years\n clean, active",150000,"$2,000,000 $750,000+","10% -15% \ncan add Gift Borrowed","to 90%","Purch, Refi, ETO","O/O max 4 units\n (max 3 Ontario)"," -"," -"," -",48," -",30,15," -","Deal Rate +2.00%","Lower than Classic ACE","no","Declared","Many\n see comment","If Self Employed see H.T's \"Self Declared Letter\"","Current","Min. 2yr","N/A","Yes","Yes","Declared\n with comment","1,2\n & ELV",20,"n/a","1st Mort.","Min 1%","only to\n LTV max","n/a","n/a","Appraisal","Yes","Always\n+ E.Quake","No","No","Yes \n120 day","n/a","Yes","Canada's original alternative lender - 37 year track record ","65 bps","No"]
["Home Trust","Home Trust ( Classic ACE )",null,{"$f":"VLOOKUP(A67,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,680,"Min. 2 years\n clean, active",150000,"$2,000,000 $750,000+","10% -15% \ncan add Gift Borrowed","to 90%","Purch, Refi, ETO","O/O max 4 units, (max 3 Ontario) Small Rental"," -"," -"," -",48," -",30,15," -","Deal Rate +2.00%","Lower than Classic","no","Declared","Many\n see comment","If Self Employed see H.T's \"Self Declared Letter\"","Current","Min. 2yr","N/A","Yes","Yes","Declared\n with comment","1,2\n & ELV",20,"n/a","1st Mort.","Min 1%","only to\n LTV max","n/a","n/a","Appraisal","Yes","Always\n+ E.Quake","No","No","Yes \n120 day","n/a","Yes","Canada's original alternative lender - 37 year track record ","50/50 Fee Split ","No"]
["Home Trust","Home Trust ( Classic )",null,{"$f":"VLOOKUP(A68,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,"600 \nand under","Will look at. Property Based",50000,650000,"10% -15% \ncan add Gift Borrowed","to 90%","Purch, Refi, ETO","O/O max 4 units, Small Rental,\n (max 3 Ontario)"," -"," -","35/39","42/48"," -",30,15," -","Deal Rate +2.00%","Best plus","no","Declared","Many\n see comment","If Self Employed see H.T's \"Self Declared Letter\"","Not Req'd","Prefer 2 years","N/A","Yes","Yes","Declared\n with comment","1,2\n & ELV",20,"n/a","1st Mort.","Min 1%","only to\n LTV max","n/a","n/a","Appraisal","Yes","Always\n+ E.Quake","No","No","Yes \n120 day","n/a","Yes","Canada's original alternative lender - 37 year track record ","50/50 Fee Split ","No"]
["Home Trust","Home Trust ( Classic  One Charge )",null,{"$f":"VLOOKUP(A69,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,500,"Will look at. Property Based",50000,650000,"10% -15% \ncan add Gift Borrowed","to 90%","Purch, ReFi, ETO","O/O max 2 units\n (max 3 Ontario)"," -"," -"," -","48/No"," -",30,15," -","Deal Rate +2.00%","Best plus","no","Declared","Many\n see comment","If Self Employed see H.T's \"Self Declared Letter\"","Not Req'd","Prefer 2 years","N/A","Yes","Yes","Declared\n with comment","1,2\n & ELV",20,"n/a","1st Mort.","Min 1%","only to\n LTV max","n/a","n/a","Appraisal","Yes","Always\n+ E.Quake","No","No","Yes \n120 day","n/a","Yes","Canada's original alternative lender - 37 year track record ","Fee Split  OR\n 75 - 100 bps + ELV","No"]
["Home Trust","Home Trust ( Classic 85% Bundle )",null,{"$f":"VLOOKUP(A70,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. SK",85,580,"2 year",50000,750000,"10%\n can add Gift","included","Purch, ReFi, ETO","O/O max 2 units\n (max 3 Ontario)"," -",50," -","48/No"," -",30,15," -","higher of 5yr Benchmark or Deal Rate +2.00%","Contact BDM or Underwriter","no","Declared","Many\n see comment","If Self Employed see H.T's \"Self Declared Letter\"","Not Req'd","Prefer 2 years","N/A","Yes","Yes","Declared\n with comment","1 yr",20,"n/a","1st & 2nd Morts.",0.01,"added to second","n/a","n/a","Appraisal","Yes","Always\n+ E.Quake","No","No","Yes \n120 day","n/a","Yes","85% High Ratio financing for clients who may\n not qualify with formal M.I. policies","50 bps","No"]
["Home Trust","Home Trust ( Classic 90% Solution )",null,{"$f":"VLOOKUP(A71,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB ON",90,620,"2 year",50000,750000,"10% None Gifted\n or Borrowed","included","Purch","O/O max 2 units\n (max 3 Ontario)"," -",50," -","48/No"," -",30,15," -","higher of 5yr Benchmark or Deal Rate +2.00%","Contact BDM or Underwriter","no","Declared","Many\n see comment","If Self Employed see H.T's \"Self Declared Letter\"","Not Req'd","Prefer 2 years","N/A","Yes","Yes","Declared\n with comment","1 yr",20,"n/a","1st & 2nd Morts.",2.5000000000000001E-2,"added to second","n/a","n/a","Appraisal","Yes","Always\n+ E.Quake","No","No","Yes \n120 day","n/a","Yes","90% High Ratio financing for clients who may\n not qualify with formal M.I. policies","75 bps","No"]
["Home Trust","Home Trust ( Low Doc Accelerator CMHC )",null,{"$f":"VLOOKUP(A72,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National exc.\n Territories",90,620,"Min. 2 years\n clean, active",50000,750000,"10% None Gifted\n or Borrowed","No","Purch, ReFi, ETO","O/O max 2 units",35,40,35,40,25,30,15,"higher of 5yr Benchmark or Deal Rate +2.00%","higher of 5yr Benchmark or Deal Rate +2.00%","Best +.25%","Yes","Declared \nw/ H.T's letter","BFS Documented","2 business related docs","Current","Prefer 2 years","N/A","No","Not Eligible","Std. Underwriting","6 mo,1,2,3,4,5 yr",20,20,"1st Mort.","no","no","CMHC Premium","Yes","n/a","sometimes","Always\n+ E.Quake","No","On Qual.","Yes \n$500 fee","Yes","Yes","Canada's original alternative lender - 36 year track record ","50 - 80 bps","Yes"]
["ICICI","ICICI             ( BFS Provable Insurable )",null,{"$f":"VLOOKUP(A73,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":{"$error":"#N/A"}},"BC AB SK MB ON",95,620,"12 months \nNo Derog's",50000,"$925,000 \nplus insur.",0.05,"No","Purch, Purch Plus Improv.","O/O max 4 units","35/39","42/44"," -"," -",25," -",5,"higher of 5yr Benchmark or Deal Rate +2.00%"," -","Based on LTV","Yes","Yes","BFS","per Lender","Current","Min. 2yr","No Max.","2 years","Yes\n 2yr average","Std. Underwriting","1,2,3,4,5\n 3,5yr ARM",20,20,"1st Mort.","no","no","C.G. Standard Premium ","Yes","n/a","Only if req'd by insurer","ICICI pays","No","On Qual.","Yes","Yes","No","Easy, logical underwriting"," -","n/a"]
["ICICI","ICICI            ( ALT A - BFS  Insurable )",null,{"$f":"VLOOKUP(A74,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":{"$error":"#N/A"}},"BC AB SK MB ON",90,600,"Strong - 2 years",50000,750000,"10% incl Gift\n(min 5% own savings)","No","Purch, Purch Plus Improv.","O/O max 2 units","35/39","42/44"," -"," -",25," -",5,"higher of 5yr Benchmark or Deal Rate +2.00%"," -","Based on LTV","Yes","Yes","BFS Documented","2 business related docs","Current","Min. 2yr same industry","No Max.","No","Not Eligible","Std. Underwriting","1,2,3,4,5\n 3,5yr ARM",20,20,"1st Mort.","no","no","Genworth ALT-A\n Premium","Yes","n/a","Only if req'd by insurer","ICICI pays","No","On Qual.","Several options","Yes","No","Alternate Income Types accepted\n\"makes sense\" deals"," -","n/a"]
["ICICI","ICICI       ( BFS Provable Un-Insurable )",null,{"$f":"VLOOKUP(A75,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":{"$error":"#N/A"}},"BC AB SK MB ON",80,610,"12 months \nNo Derog's",50000,1500000,"10% incl Gift\n(min 5% own savings)","No","Purch, ReFi, ETO","O/O to 4 units, Second Home \n2 units, Small Rental 1-4 units"," -"," -","32/35","35/40/42"," -",30,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","Based on Beacon","Yes","Yes","BFS","Proof 2yrs BFS\n recent NOA","Current","Min. 2yr provable","No Max.","Yes\n 2yr average","Yes\n 2yr average","Std. Underwriting","1,2,3,4,5\n 5yr ARM",20,20,"1st Mort.","no","no","n/a","n/a","n/a","Always","ICICI pays","No","On Qual.","Several options","Yes","No","Signed declaration of income acceptable\nSeveral portability options"," -","n/a"]
["Lendwise","Lendwise  ( Bus For Self Simplified )",null,{"$f":"VLOOKUP(A76,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",90,600,"Strong - 2 years",75000," No Max","10% None Gifted","No","Purch, ReFi, ETO,\n Purch Plus Improv., ReFi Plus Improv.","O/O max 2 units","35/39","42/44","35/39","42/44",25,30,10,"higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Best +.05%"," -","CMHC Determines","BFS+ Documented","Proof - in business\n and less than 3 years","or Declaration","Min. 2yr same industry","3 years","No","Not Eligible","Std. Underwriting","1,2,3,4,5,6,7,10\n 3,5yr ARM",20,20,"1st Mort.","no","no","CMHC S.E. Premium","Yes\n 65.01%-90%","n/a","if req'd by insurer","Always"," -","On Qual.","Yes","No","Yes","True broker partner","See program","No"]
["Lendwise","Lendwise  ( Bus For Self ALT-A Insurable )",null,{"$f":"VLOOKUP(A77,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",90,620,"No Derog's",75000,"$925,000\nplus ins.","10%\n +Gift allowed","No","Purch, Purch Plus Improv.","O/O to 2 units","34/35/39","42/44"," -"," -",25," -","18 / 15","higher of Deal Rate \nor 5yr Benchmark"," -","Based on LTV","20 bp max","Stated","BFS Documented","2 business related docs","Yes","Min. 2yr","No Max.","No","Not Eligible","Std. Underwriting","1,2,3,4,5, RPM\n 3,5yr ARM",20,20,"1st Mort.","no","no","Genworth ALT-A\n Premium","Yes\n 65.01%-90%","n/a","Special Cases","Always"," -","On Qual.","Yes","No","No","True broker partner, \nTrailer Compensation program","See program","No"]
["Lendwise","Lendwise \n           ( Bus For Self ALT-A Un-Insurable )",null,{"$f":"VLOOKUP(A78,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,660,"No Derog's",75000,2000000,"10%\n +Gift allowed","No","Purch, ReFi, ETO, Purch Plus Improv. Switch","O/O to 2 units"," -"," -","32/34","40/42"," -",30,"18 / 15"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best +0.05%","20 bp max","Stated","BFS Documented","2 business related docs","Yes","Min. 2yr","No Max.","No","Not Eligible","Std. Underwriting","1,2,3,4,5\n 3,5yr ARM",20,20,"1st Mort.","no","no","n/a","n/a","n/a","all AB Refinances Some other Cases","Always"," -","On Qual.","Yes","No","Yes","True broker partner, \nTrailer Compensation program","See program","No"]
["Lendwise","Lendwise  \n    ( Bus For Self Fully Qualified Insurable )",null,{"$f":"VLOOKUP(A79,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",95,620,"No Derog's",75000,"$925,000 plus ins.","Own Resource, Gift, Flex Down","No","Purch, Purch Plus Improv., Switch","O/O to 4 units, Second Home","34/35/39","42/44"," -"," -",25," -","18 / 15","higher of Deal Rate \nor 5yr Benchmark"," -","Based on LTV","20 bp max","Yes","BFS Documented","2 years income related docs","2yrs","Min. 2yr same industry","No Max.","2 Years","2 years confirmation","Std. Underwriting","1,2,3,4,5, RPM\n 3,5yr ARM",20,20,"1st Mort.","no","no","CMHC Standard Premium","Yes\n 75.01%-95%","n/a","Special Cases","Always"," -","On Qual.","Yes","No","No","Minimal documentation\ncan qualify with as little as NOA's","See program","No"]
["Lendwise","Lendwise  \n( Bus For Self Fully Qualified Un-Insurable )",null,{"$f":"VLOOKUP(A80,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,660,"No Derog's",75000,2000000,"Own Resource or Gift","No","Purch, ReFi, ETO, Purch Plus Improv., Switch","O/O to 4 units, Second Home,\nRental 2-4 units"," -"," -","32/34","40/42"," -",30,"18 / 15"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best +0.05%","20 bp max","Yes","BFS Documented","2 years income related docs","2yrs","Min. 2yr same industry","No Max.","2 Years","2 years confirmation","Std. Underwriting","1,2,3,4,5\n 3,5yr ARM",20,20,"1st Mort.","no","no","CMHC Standard Premium","Yes\n 75.01%-95%","n/a","all AB Refinances Some other Cases","Always"," -","On Qual.","Yes","No","Free & Easy","Minimal documentation\ncan qualify with as little as NOA's","See program","No"]
["Manulife","Manulife\n   ( Manulife One ~ Small Business Owner )",null,{"$f":"VLOOKUP(A81,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",65,680,"No Derog's",100000,1000000,"35% equity","No","Purch, ReFi, Switch","O/O max 2 units"," -"," -"," -",70," -",30,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","SBO rate",null,"Yes","BFS Documented","2 business related docs","Yes","Min. 12 mo.","No Max.","2 Years","No","Std. Underwriting","LOC + 5yr","Open + 20",25,"1st Mort.","monthly","no","n/a","no","Appraisal, Legal","case by case","Always","No","On Qual.","Yes","Yes","Yes","Line of Credit for Self Employed VERY Few lenders offer this"," -"]
["Manulife","Manulife\n  ( Manulife One ~ Self Employed Provable )",null,{"$f":"VLOOKUP(A82,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",80,650,"No Derog's",100000,3000000,"5% own resources, further gifts allowed","No","Purch, ReFi, ETO","O/O max 4 units"," -"," -","35/39","42/44"," -",25,"longer of\n 5 or Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best",null,"Yes","BFS Documented","2 business related docs","Yes","Min. 2yr same industry","No Max.","2 Years","2 years confirmation","Std. Underwriting","LOC + 5yr","Open + 20",25,"1st Mort.","monthly","no","n/a","no","Appraisal, Legal","case by case","Always","No","On Qual.","Yes","Yes","Yes","Line of Credit for Self Employed VERY Few lenders offer this"," -"]
["MCAP","MCAP   ( Business For Self  Insurable )",null,{"$f":"VLOOKUP(A83,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",90,650,"No Derog's",50000,"$925,000 \nPlus Ins.",0.05,"No                                    ","Purch, Purch Plus Improv.","O/O to 4 units, Second Home \n2 units, Small Rental 2-4 units",39,44," -"," -",25," -","15 / 5","If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%"," -","Full Disc. Avail.","5yr \n20 bp max","Yes","BFS Documented","2 docs confirming Self Employed","2yrs","Min. 2yr same industry","No Max.","No","No","Std. Underwriting","1,2,3,4,5,7,10\n VIP, HELOC",20,20,"1st Mort.","no","no","CMHC or Genworth","Yes","n/a","sometimes","sometimes","No","On Qual.","Yes","No","No","Broker friendly lender.","see rate sheet","Yes"]
["MCAP","MCAP   ( Business For Self  Un-Insurable )",null,{"$f":"VLOOKUP(A84,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",80,600,"No Derog's",50000,1375000,0.2,"No                                    ","Purch, ReFi, ETO","O/O to 4 units, Second Home \n2 units, Small Rental 1-4 units"," -"," -","35/40","42/44/49"," -","25 / 30","15 / 5"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Disc. Avail. \nBest +.30%","5yr \n20 bp max","Yes","BFS Documented","2 docs confirming Self Employed","2yrs","Min. 2yr same industry","No Max.","No","No","Std. Underwriting","1,2,3,4,5,7,10 yr\n VIP, HELOC",20,20,"1st Mort.","no","no","n/a","Yes","n/a","sometimes","sometimes","No","On Qual.","Yes","No","12 day FCT","Broker friendly lender.","see rate sheet","Yes"]
["MCAP","MCAP   ( Ambassador Broker  - Stated )\n                   Check availability with BDM",null,{"$f":"VLOOKUP(A85,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",65,680,"2 years\n12 months clean",50000,"$500,000 to $750,000","min 1/2 Non-Gifted, \nNone Borrowed","No                                    ","Purch, Purch Plus Improv.","O/O max 2 units, Second Home"," -"," -","35/40","42/44"," -",30,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","Disc. Avail. \nBest +.30%","5yr \n20 bp max","up to 2 times Line 150","BFS Documented","2 business related docs","Current","Min. 2yr","No Max.","No","No","Std. Underwriting","5yr",20,20,"1st Mort.","no","no","n/a","no","n/a","Yes","sometimes","No","On Qual.","Yes","No","12 day FCT","BEST Rates\n No minimum Net Worth requirement","see rate sheet","Yes"]
["MCAP","MCAP   ( Eclipse First )",null,{"$f":"VLOOKUP(A86,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",80,550,"affects Fees\n BK's discharged",50000,500000,"10% None Gifted\n or Borrowed","to 90%","Purch, ReFi, ETO*,\n CRA, Proposals, Property Taxes","O/O max 4 units\n Rentals on exception"," -"," -",45,50," -",30,5," -","Deal Rate +2.00%","Eclipse rate"," -","Bank Statements","Many\n not RRSP","Standard qualifying documents","if BFS re-fi","prefer 12 mo.","No Max.","Yes","Yes","Same Underwriting","1,2,3 yr",20,20,"1st Mort.","starting 1/2%","Yes","n/a","no","Appraisal, Legal","Yes","sometimes","No","On Qual.","Yes","No","Yes","Higher DSR's acceptable\n 2nd mortgage available on same appraisal","1yr - 50bps, 2yr - 75bps,\n 3yr - 65bps","Yes"]
["MCAP","MCAP   ( Eclipse Second )",null,{"$f":"VLOOKUP(A87,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",85,550,"BK's must be discharged","n/a",200000,"10% None Gifted\n or Borrowed","this is it","Purch, ReFi, ETO*,\n CRA, Proposals, Property Taxes","SFD O/O max 2 units"," -"," -",40,44,30," -",15," -","Deal Rate +2.00%","Starting at 10%"," -","Bank Statements","Many\n not RRSP","Standard qualifying documents","can be included","prefer 12 mo.","No Max.","Yes","Yes","Std. Underwriting","1,2,3 yr",20,20,"2nd Mort.",750,"Yes","n/a","no","Appraisal, Legal","Yes","sometimes","No","On Qual.","Yes","No","Yes","High DSR's acceptable\n 2nd mortgage on same appraisal & legal","50 bps","Yes"]
["Merix Financial","Merix  ( Bus For Self Simplified )",null,{"$f":"VLOOKUP(A88,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",90,600,"Strong - 2 years",75000," No Max","10% None Gifted","No","Purch, ReFi, ETO,\n Purch Plus Improv.","O/O max 2 units","35/39","42/44","35/39","42/44",25,30,18,"higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Best +.05%","Yes","CMHC Determines","BFS+ Documented","Proof - in business\n and less than 3 years","or Declaration","Min. 2yr same industry","3 years","No","Not Eligible","Std. Underwriting","1,2,3,4,5\n 3,5yr ARM",20,20,"1st Mort.","no","no","CMHC S.E. Premium","Yes\n 65.01%-90%","n/a","if req'd by insurer","Always"," -","On Qual.","Yes","No","Yes","True broker partner","See program","No"]
["Merix Financial","Merix   ( Bus For Self ALT-A Insurable )",null,{"$f":"VLOOKUP(A89,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",90,620,"No Derog's",75000,"$925,000\nplus ins.","10%\n +Gift allowed","No","Purch, Purch Plus Improv.","O/O to 2 units","34/35/39","42/44"," -"," -",25," -","18 / 15","higher of Deal Rate \nor 5yr Benchmark"," -","Best +.05%","20 bp max","Stated","BFS Documented","2 business related docs","Yes","Min. 2yr","No Max.","No","Not Eligible","Std. Underwriting","1,2,3,4,5 yr, RPM\n 3,5yr ARM",20,20,"1st Mort.","no","no","Genworth ALT-A\n Premium","Yes\n 65.01%-90%","n/a","Special Cases","Always"," -","On Qual.","Yes","No","No","True broker partner, \nTrailer Compensation program","See program","No"]
["Merix Financial","Merix   ( Bus For Self ALT-A Un-Insurable )",null,{"$f":"VLOOKUP(A90,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",60,660,"No Derog's",75000,2000000,"10%\n +Gift allowed","No","Purch, Purch Plus Improv., Switch","O/O to 2 units"," -"," -","32/34","40/42"," -",25,"18 / 15"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best +.05%","20 bp max","Stated","BFS Documented","2 business related docs","Yes","Min. 2yr","No Max.","No","Not Eligible","Std. Underwriting","1,2,3,4,5 yr\n 3,5yr ARM",20,20,"1st Mort.","no","no","n/a","n/a","n/a","all AB Refinances Some other Cases","Always"," -","On Qual.","Yes","No","Yes","True broker partner, \nTrailer Compensation program","See program","No"]
["Merix Financial","Merix  \n   ( Bus For Self Fully Qualified  Insurable )",null,{"$f":"VLOOKUP(A91,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",95,620,"No Derog's",75000,"$925,000 plus ins.","Own Resource, Gift, Flex Down","No","Purch, Purch Plus Improv., Switch","O/O to 4 units, Second Home","34/35/39","42/44"," -"," -",25," -","18 / 15","higher of Deal Rate \nor 5yr Benchmark"," -","Based on LTV","20 bp max","Yes","BFS Documented","2 years income related docs","2yrs","Min. 2yr same industry","No Max.","2 Years","2 years confirmation","Std. Underwriting","1,2,3,4,5, yr, RPM\n 3,5yr ARM",20,20,"1st Mort.","no","no","CMHC Standard Premium","Yes\n 75.01%-95%","n/a","Special Cases","Always"," -","On Qual.","Yes","No","No","Minimal documentation\ncan qualify with as little as NOA's","See program","No"]
["Merix Financial","Merix  \n( Bus For Self Fully Qualified Un-Insurable )",null,{"$f":"VLOOKUP(A92,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,660,"No Derog's",75000,2000000,"Own Resource or Gift","No","Purch, ReFi, ETO, Purch Plus Improv., Switch","O/O to 4 units, Second Home,\nRental 2-4 units"," -"," -","32/34","40/42"," -",30,"18 / 15"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Best +0.05%","20 bp max","Yes","BFS Documented","2 years income related docs","2yrs","Min. 2yr same industry","No Max.","2 Years","2 years confirmation","Std. Underwriting","1,2,3,4,5 yr\n 3,5yr ARM",20,20,"1st Mort.","no","no","CMHC Standard Premium","Yes\n 75.01%-95%","n/a","all AB Refinances Some other Cases","Always"," -","On Qual.","Yes","No","Free & Easy","Minimal documentation\ncan qualify with as little as NOA's","See program","No"]
["Merix Financial","Merix  ( NPX up to 80% )",null,{"$f":"VLOOKUP(A93,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"limited ON",80,500,"Case-by-Case",100000,1000000,"10% own resource\n +Gift allowed","to 90%","Purch, ReFi, ETO\nCRA. Property Taxes","O/O max 4 units, Small Rentals"," -"," -",50,50," -",30,"n/a"," -","Deal Rate","NPX Rate","Yes","Declared & Provable","Employment & BFS Document.","Meaningful evidence of ongoing income","or Declaration","Min. 1yr","No Max.","Yes","Yes","Std. Underwriting","1,2,3 yr \nOpen on request",20,20,"2nd Mort.","$750 to 1%","max 80%","n/a","n/a","Appraisal, Legal, Fee","Always \nApproved list","Always","Yes","On Qual.","Yes","No","Yes","Security focused, temporary solution to help home owners move to AA products","50 bp all Terms","No"]
["Merix Financial","Merix  ( NPX 65% Solution )",null,{"$f":"VLOOKUP(A94,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"limited ON",65,"500 / Reject","see Comments",300000,1000000,"35% : 20% own resource\n Gift allowed","to 80%","Purch, ReFi, ETO\nCRA. Property Taxes","O/O max 4 units, Small Rentals"," -"," -","50 / +","50 / +"," -",25,"Open"," -","Deal Rate","P + 2.50%","Yes","Declared & Provable","Several","Meaningful evidence of ongoing income","or Declaration","Min. 1yr","No Max.","Yes","Yes","Std. Underwriting","Fully Open ARM Only 1,2,3 yr","Open","Open","1st Mort.",0.01,"max 65%","n/a","n/a","Appraisal, Legal, Fee","Always \nApproved list","Always","Yes","On Qual.","Yes","No","Yes","Mortgage without traditional income verification and  typical Beacon score requirements","50 bp all Terms","No"]
["Merix Financial","Merix  ( NPX 50% Solution )",null,{"$f":"VLOOKUP(A95,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"limited ON",50,"500 / Reject","see Comments",300000,2000000,"50% : 20% own resource\n Gift allowed","to 80%","Purch, ReFi, ETO\nCRA. Property Taxes","O/O max 4 units, Small Rentals"," -"," -","50 / +","50 / +"," -",25,"Open"," -","Deal Rate","P + 2.50%","Yes","Declared & Provable","Several","Meaningful evidence of ongoing income","or Declaration","Min. 1yr","No Max.","Yes","Yes","Std. Underwriting","Fully Open ARM Only 1,2,3 yr","Open","Open","1st Mort.",0.01,"max 50%","n/a","n/a","Appraisal, Legal, Fee","Always \nApproved list","Always","Yes","On Qual.","Yes","No","Yes","Mortgage without traditional income verification and  typical Beacon score requirements","50 bp all Terms","No"]
["Optimum Mortgage","Optimum Mortgage\n                     ( O/O - Alternative Inc. 75% )",null,{"$f":"VLOOKUP(A96,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",75,"500 / 550","12 months \none previous BK","$75,000\n $100,000","$500,000 to $999,000","10% None Borrowed\n Gift considered","to 90%","Purch, ReFi, ETO","O/O max 4 units, \nsome Small Rentals"," -"," -",50,50," -","25 / 30"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Beacon Based","no","Sufficient","BFS, Employed, Commission","Bank Statements and\n 2 business related docs","Case-by-Case","min 6 months","No Max.","Yes","Yes","Yes","1,2,3 yr & VRM",20,20,"1st Mort.","1% for \n1 & 2yr terms","Yes","n/a","n/a","Appraisal, Legal, Fee","broker to provide","Always","No","On Qual.","On Qual.","No","Yes","Each deal approved on its own merit.","1,2yr - 50bps,\n 3yr - 75bps","Yes"]
["Optimum Mortgage","Optimum Mortgage \n                    ( O/O - Alternative Inc. 80% )",null,{"$f":"VLOOKUP(A97,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,600,"12 months \none previous BK","$75,000\n $100,000","$500,000 to $999,000","10% None Borrowed\n Gift considered","to 90%","Purch","O/O max 4 units, \nsome Small Rentals"," -"," -",50,50," -","25 / 30"," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Beacon Based","no","Sufficient","BFS, Employed, Commission","Bank Statements and\n 2 business related docs","Case-by-Case","min 6 months","No Max.","Yes","Yes","Yes","1,2,3 yr & VRM",20,20,"1st Mort.","1% for \n1 & 2yr terms","Yes","n/a","n/a","1yr, 2yr, Open","broker to provide","Always","No","On Qual.","On Qual.","No","case-by-case","Each deal approved on its own merit.","1,2yr - 50bps,\n 3yr - 75bps","Yes"]
["Optimum Mortgage","Optimum Mortgage\n                            ( O/O - Opti-65 West )",null,{"$f":"VLOOKUP(A98,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",65,"500 / 550","12 months \none previous BK",100000,"$500,000 to $999,000","10% None Borrowed\n Gift considered","to 90%","Purch, ReFi, ETO","O/O max 4 units"," -"," -",50,50," -",30," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Beacon & Fee Based","no","Sufficient","BFS, Commission","1 business related doc","Case-by-Case","min 6 months","No Max.","Yes","Yes","Yes","1,2,3 yr",20,20,"1st Mort.","1%, .5%, 0%","Yes","n/a","n/a","Appraisal, Legal, Fee","broker to provide","Always","No","On Qual.","On Qual.","No","Yes","Each deal approved on its own merit.","1yr 50 bp,  2yr 70 bp\n 3yr 75 bp, Open 1%","Yes"]
["Optimum Mortgage","Optimum Mortgage\n                         ( O/O - Opti-65 Atlantic )",null,{"$f":"VLOOKUP(A99,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Maritimes",65,"500 / 550","12 months \none previous BK",75000,500000,"10% None Borrowed\n Gift considered","to 90%","Purch, ReFi, ETO","O/O max 4 units"," -"," -",50,50," -",30," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Beacon & Fee Based","no","Sufficient","BFS, Commission","1 business related doc","Case-by-Case","min 6 months","No Max.","Yes","Yes","Yes","1,2,3 yr",20,20,"1st Mort.","1%, .5%, 0%","Yes","n/a","n/a","Appraisal, Legal, Fee","broker to provide","Always","No","On Qual.","On Qual.","No","Yes","Each deal approved on its own merit.","1yr 50 bp,  2yr 70 bp\n 3yr 75 bp, Open 1%","Yes"]
["Optimum Mortgage","Optimum Mortgage    ( Opti-85 Bundle)",null,{"$f":"VLOOKUP(A100,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB MB SK ON",85,580,"Good, \none previous BK",100000,425000,"10% None Borrowed\nGift considered","to 85% provided","Purch, ReFi, ETO","O/O max 4 units"," -"," -",50,50," -",30," -","higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Beacon Based","no","Stated","BFS, Employed, Commission","Bank Statements and\n2 business related docs","Case-by-Case","min 6 months","No Max.","Yes","Yes","Yes","1,2,3 yr \n1yr Closed 2nd",20,20,"1st & 2nd","1% on total","Yes","n/a","n/a","n/a","broker to provide","Always","No","On Qual.","On Qual.","No"," -","85% without Mortgage Insurance. 1st & 2nd Combo   Each deal approved on its own merit.","per Deal","Yes"]
["Optimum Mortgage","Optimum Mortgage\n                       ( Rental - Alternative Inc. )",null,{"$f":"VLOOKUP(A101,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces","70 / 75",650,"12 months \none previous BK","$75,000\n $100,000","$500,000 to $999,000","10% None Borrowed\n Gift considered","to 90%","Purch, ReFi, ETO","Rental max 4 units"," -"," -",50,50," -",30," -"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Beacon Based","no","Sufficient","BFS, Employed, Commission","Bank Statements and\n 2 business related docs","Case-by-Case","min 6 months","No Max.","Yes","Yes","Yes","1,2,3 yr",20,20,"1st Mort.","1% for \n1 & 2yr terms","Yes","n/a","n/a","1yr, 2yr, Open","broker to provide","Always","No","On Qual.","On Qual.","No","Yes","rare Alternative rental product","1,2yr - 50bps,\n 3yr - 75bps","Yes"]
["Optimum Mortgage","Optimum Mortgage ( Alternative Open )",null,{"$f":"VLOOKUP(A102,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,"500 / 550","12 months \none previous BK","$75,000\n $100,001","$500,000 to $999,000","10% None Borrowed\n Gift considered","to 90%","Purch, ReFi, ETO","O/O max 4 units"," -"," -",50,50," -",30,"Open"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Rate Sheet","no","Sufficient","BFS  or Employed","Bank Statements and\n 2 business related docs","Case-by-Case","min 6 months","No Max.","Yes","Yes","Yes","1 yr OPEN",20,20,"1st Mort.","2%\n(set-up cost)","Yes","n/a","n/a",0.02,"broker to provide","Always","No","On Qual.","On Qual.","No","Yes","for clients who will be receiving money \nor become \"bankable\" in less than a year","Split","Yes"]
["Radius Financial","Radius  ( Insurable Self-Employed )\n                        Traditional Validation",null,{"$f":"VLOOKUP(A103,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",95,650,"No Derog's",50000,"$925,000 \nplus ins.","5% None Gifted","No","Purch, Purch Plus Improv.","O/O max 4 units, Second Home","35/39","42/44"," -"," -",25," -",20,"higher of Deal Rate \nor 5yr Benchmark"," -","Rate Sheet\n also see RateWise","Using Finders","Yes","BFS Documented","2 business related docs","Current","n/a","No Max.","2 Years","2 years confirmation","Std. Underwriting","1,2,3,4,5 yr\n 3,5yr VRM",20,20,"1st Mort.","no","no","CMHC Standard Premium","80%+","n/a","if req'd by insurer","Lender's FCT"," -","On Qual.","Yes","Platinum Package","FCT Platinum","Renewal Fee Option available","Up Front or \nRenewal model","n/a"]
["Radius Financial","Radius  ( Un-Insurable Self-Employed )\n                        Traditional Validation",null,{"$f":"VLOOKUP(A104,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,650,"No Derog's",50000,2000000,0.2,"No","Purch, ReFi, ETO, Purch Plus Improv.,  ReFi Plus Improv.","O/O max 4 units, Second Home"," -"," -","35/39","42/44"," -",25,20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Rate Sheet","Using Finders","Yes","BFS Documented","2 business related docs","Current","n/a","No Max.","2 Years","2 years confirmation","Std. Underwriting","1,2,3,4,5 yr\n 3,5yr VRM",20,20,"1st Mort.","no","no","CMHC Standard Premium","80%+","n/a","if req'd by insurer","Lender's FCT"," -","On Qual.","Yes","Platinum Package","FCT Platinum","Renewal Fee Option available","Up Front or \nRenewal model","n/a"]
["Radius Financial","Radius  ( Genworth ALT A - BFS )",null,{"$f":"VLOOKUP(A105,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",90,650,"Strong - 2 years",50000,750000,"10% / 15%\n Gift allowed","No","Purch","O/O max 2 units","35/39","42/44"," -"," -",25," -",20,"higher of Deal Rate \nor 5yr Benchmark"," -","Rate Sheet","Using Finders","Stated","BFS Documented","2 business related docs","Current","Min. 2yr same industry","No Max.","No","Not Eligible","Std. Underwriting","5yr Fixed\n 3yr VRM",20,20,"1st Mort.","no","no","Genworth\n Premium","80%+","n/a","if req'd by insurer","Lender's FCT"," -","On Qual.","Yes","No","FCT Platinum","Renewal Fee Option available","Up Front or \nRenewal model","n/a"]
["Radius Financial","Radius   ( BFS Stated )",null,{"$f":"VLOOKUP(A106,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",65,650,"2 years\n12 months clean",50000,750000,"35%, 1/2 Gifted, None Borrowed","No","Purch","O/O max 2 units"," -"," -","35/39","42/44"," -",25,20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Aprox Best + 0.10%","Using Finders","up to 2 times Line 150","BFS Documented","2 business related docs","Current","Min. 2yr","No Max.","No","Not Eligible","Std. Underwriting","5yr & 5yr ARM",20,20,"1st Mort.","no","no","n/a","no","n/a","ALWAYS","Lender's FCT"," -","On Qual.","Yes","No","FCT Platinum","Most lenient income calculation","Up Front or \nRenewal model","n/a"]
["RMG Mortgages","RMG - BFS  ( Insurable - Stated Income )",null,{"$f":"VLOOKUP(A107,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB ON",90,700,"2 years\n12 months clean",75000,"$500,000 to $750,000","10% None Gifted","to 90%","Purch, Purch Plus Improv.","O/O max 2 units, Second Home",39,44," -"," -",25," -",5,"If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%"," -","Best  +.40%","Yes","up to 1.6 times Line 150","BFS Documented","2 business related docs","Current","2 years","No Max.","No","No","Std. Underwriting","5 yr & 5yr ARM",20,20,"1st Mort.","no","no","Genworth ALT-A\n Premium","Several cases","n/a","several cases\n rebate available","Yes FCT","No","On Qual.","Yes","FCT package","FCT Platinum","Generous Compensation program, Rate Buy-Downs allowed,  \nBroker referral program, \nstrong broker /client retention","see rate sheet","Incl"]
["RMG Mortgages","RMG - BFS  \n                ( CMHC Traditional Validation )",null,{"$f":"VLOOKUP(A108,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National exc. PQ",95,"630 620 600","No Derog's",50000,"$924,999\nplus ins.","5% None Gifted","to 95%","Purch, Purch Plus Improv.","O/O to 4 Units, Second Home",39,44," -"," -",25," -",5,"If >80%, higher BoC or Deal \nIf <80%, higher BoC or Deal+2%"," -","LTV Rates","Yes","Yes","BFS Documented","2 business related docs","2yrs","2 years","No Max.","2 Years","2 years confirmation","Std. Underwriting","1,2,3,4,5 yr\n & 5yr ARM",20,20,"1st Mort.","no","no","CMHC Premium","Only 80%+\n or Amort.>25","n/a","several cases\n rebate available","Yes FCT","No","On Qual.","Yes","FCT package","FCT Platinum",null,"see rate sheet","Incl"]
["RMG Mortgages","RMG - BFS  \n           ( Un-Insurable - Provable Income )",null,{"$f":"VLOOKUP(A109,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National exc. PQ",80,"620 / 650","No Derog's",50000,"$950,000 $1,600,000","Min 10% Own Resource \n+ Gifted or Borrowed","to 90%","Purch, ReFi, ETO, Switch","O/O to 4 Units, Second Home"," -"," -",39,44,25,30,5," -","higher of 5yr Benchmark or Deal Rate +2.00%","Disc. Avail. \nBest +.30%","Yes","Yes","BFS Documented","2 business related docs","Current","2 years","No Max.","2 Years","2 years confirmation","Std. Underwriting","1,2,3,4,5 yr\n & 5yr ARM",20,20,"1st Mort.","no","no","n/a","no","n/a","several cases\n rebate available","Yes FCT","No","On Qual.","Yes","FCT package","FCT Platinum",null,"see rate sheet","Incl"]
["RMG Mortgages","RMG     ( Full Eclipse First )",null,{"$f":"VLOOKUP(A110,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",80,600,"affects Fees\n BK's discharged",50000,500000,"10% None Gifted\n or Borrowed","to 90%","Purch, ReFi, ETO*,\n CRA, Proposals, Property Taxes","O/O max 4 units"," -"," -",45,50," -",30,5," -","Deal Rate +2.00%","Eclipse rate"," -","Provable","Many\n not RRSP","Standard qualifying documents","if BFS re-fi","prefer 12 mo.","No Max.","Yes","Yes","Same Underwriting","1,2,3 yr",20,20,"1st Mort.","starting 1/2%","Yes","n/a","no","Appraisal, Legal","Yes","sometimes","No","On Qual.","Yes","No","Yes","Higher DSR's acceptable\n 2nd mortgage available on same appraisal","1yr - 50bps, 2yr - 75bps,\n 3yr - 65bps","Yes"]
["RMG Mortgages","RMG     ( Solar Eclipse First )",null,{"$f":"VLOOKUP(A111,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",80,550,"affects Fees\n BK's discharged",50000,500000,"10% None Gifted\n or Borrowed","to 90%","Purch, ReFi, ETO*,\n CRA, Proposals, Property Taxes","O/O max 4 units"," -"," -",45,50," -",30,5," -","Deal Rate +2.00%","Eclipse rate"," -","Provable","Many\n not RRSP","Standard qualifying documents","if BFS re-fi","prefer 12 mo.","No Max.","Yes","Yes","Same Underwriting","1,2,3 yr",20,20,"1st Mort.","starting 1/2%","Yes","n/a","no","Appraisal, Legal","Yes","sometimes","No","On Qual.","Yes","No","Yes","Higher DSR's acceptable\n 2nd mortgage available on same appraisal","1yr - 50bps, 2yr - 75bps,\n 3yr - 65bps","Yes"]
["RMG Mortgages","RMG     ( Lunar Eclipse First )",null,{"$f":"VLOOKUP(A112,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"BC AB SK MB ON",80,500,"affects Fees\n BK's discharged",50000,500000,"10% None Gifted\n or Borrowed","to 90%","Purch, ReFi, ETO*,\n CRA, Proposals, Property Taxes","O/O max 4 units"," -"," -",45,50," -",30,5," -","Deal Rate +2.00%","Eclipse rate"," -","Provable","Many\n not RRSP","Standard qualifying documents","if BFS re-fi","prefer 12 mo.","No Max.","Yes","Yes","Same Underwriting","1,2,3 yr",20,20,"1st Mort.","starting 1/2%","Yes","n/a","no","Appraisal, Legal","Yes","sometimes","No","On Qual.","Yes","No","Yes","Higher DSR's acceptable\n 2nd mortgage available on same appraisal","1yr - 50bps, 2yr - 75bps,\n 3yr - 65bps","Yes"]
["Scotiabank","Scotiabank ( MFSE - Insurable )",null,{"$f":"VLOOKUP(A113,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",90,621,"No Derog's",25000,"$750,000+","10% None Gifted\n or Borrowed","to 90%","Purch, Purch Plus Improv., Switch","O/O max 2 units","32 / 34","40 / 42"," -"," -",25," -","Term","higher of Deal Rate \nor 5yr Benchmark"," -","Full Disc. Avail.","Yes","Declared","BFS Documented","2 business related docs","Yes","Min. 2yr same Co.","3 years","No","No","Std. Underwriting","All & VRM",15,"15 & Match","1st Mort.","no","no","GNW / C.G. Premium ","Yes","sometimes I.L.A.","Yes","Always","see \nStartRight","On Qual.","Yes","Yes","Yes","Stated income - no proof.","see rate sheet","Yes"]
["Scotiabank","Scotiabank ( MFSE - Un-insurable )",null,{"$f":"VLOOKUP(A114,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",65,621,"Satisfactory",25000,"Beacon Related","35% None Gifted\n or Borrowed","No                                    ","Purch, ReFi, ETO, Switch","O/O max 4 units"," -"," -","n/a","40/44"," -",30,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Full Disc. Avail.","Yes","Declared","BFS, Commission","Scotia \"Stated Income\" form\n + 2 business related docs","Yes","Min. 2yr same Co.","n/a","Yes","No","Std. Underwriting","All & VRM",15,"15 & Match","1st Mort.","no","no","n/a","n/a","sometimes I.L.A.","PAT, NAS \nSolidifi","Always","see \nStartRight","On Qual.","Yes","Yes","Yes","Stated income - no proof.","see rate sheet","Yes"]
["Scotiabank","Scotiabank ( MFSE - STEP Insurable )",null,{"$f":"VLOOKUP(A115,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",90,621,"No Derog's",25000,"$750,000+","10% None Gifted\n or Borrowed","No","Purch, Purch Plus Improv., Switch","O/O max 2 units","32 / 34","40 / 42"," -"," -",25," -","Term","higher of Deal Rate \nor 5yr Benchmark"," -","Full Disc. Avail.","Yes","Declared","BFS Documented","2 business related docs","Yes","Min. 2yr same Co.","3 years","No","No","Std. Underwriting","All & VRM No LOC.",15,"15 & Match","1st Mort.","no","no","GNW / C.G. Premium ","Yes","sometimes I.L.A.","Yes","Always","see \nStartRight","On Qual.","Yes","Yes","Yes","Stated income - no proof.","see rate sheet","Yes"]
["Scotiabank","Scotiabank\n             ( MFSE - STEP Un-insurable )",null,{"$f":"VLOOKUP(A116,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",65,621,"No Derog's",25000,"Beacon Related","35% None Gifted\n or Borrowed","No                                    ","Purch, ReFi, ETO, Switch","O/O max 4 units"," -"," -","n/a","40/44"," -",30,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Full Disc. Avail.","Yes","Declared","BFS, Commission","Scotia \"Stated Income\" form\n + 2 business related docs","Yes","Min. 2yr same Co.","n/a","Yes","No","Std. Underwriting","All & VRM & LOC",15,"15 & Match","1st Mort.","no","no","n/a","n/a","sometimes I.L.A.","PAT, NAS \nSolidifi","Always","see \nStartRight","On Qual.","Yes","Yes","Yes","Stated income - no proof.","see rate sheet","Yes"]
["Scotiabank","Scotiabank ( Non-Resident  U.S. Resident )",null,{"$f":"VLOOKUP(A117,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",80,"no derogs","US Equifax",25000,"No Max","20% None Gifted or Borrowed","No                                    ","O/O Second / Vacation\nsingle unit only","Purch, Switch"," -"," -"," -","40 / none"," -",25,"Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Full Disc. Avail.","Yes","Yes","Several","Income & Down Payment","Not Req'd","n/a","n/a","n/a","n/a","n/a","1,2,3,4,5,7,10 Fixed  \n6mo & 1yr Open, & VRM",15,"15 & Match","1st Mort.","no","no","n/a","n/a","n/a","PAT, NAS \nSolidifi","Always","n/a","On Qual.","Yes","Yes","No","Uncommon Non-Resident program","see rate sheet","Yes"]
["Scotiabank","Scotiabank  ( Non-Resident Other Country )",null,{"$f":"VLOOKUP(A118,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"National",50,"n/a","Report or Letter",25000,750000,"50% None Gifted or Borrowed","No                                    ","O/O Second / Vacation\nsingle unit only","Purch, Switch"," -"," -","waived","waived"," -",25,"Term"," -","n/a","Full Disc. Avail.","Yes","n/a","n/a","Down Payment","Not Req'd","n/a","n/a","n/a","n/a","n/a","1,2,3,4,5,7,10 Fixed  \n6mo & 1yr Open, & VRM",15,"15 & Match","1st Mort.","no","no","n/a","n/a","n/a","PAT, NAS \nSolidifi","Always","n/a","On Qual.","Yes","Yes","No","Uncommon Non-Resident program","see rate sheet","Yes"]
["Street Capital","Street Capital    ( BFS Provable Income )",null,{"$f":"VLOOKUP(A119,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",95,620,"No Derog's",50000,1500000,0.05,"No","Purch, ReFi, ETO, Purch Plus Improv., Switch","O/O max 4 units, \nSecond Home 2 units",39,44,"35/39","42/44",25,30,10,"higher of Deal Rate \nor 5yr Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Best","Yes","Documented","BFS Documented","2 business related docs","2yrs","Min. 2yr","No Max.","2 Years","2 years confirmation","Std. Underwriting","1,2,3,4,5 yr\n & 5yr ARM",20,20,"1st Mort.","no","no","Street pays up to 80% LTV","80%+ only","Legal","if Refinance or required by insurer","Always","see C.G.Maple","On Qual.","Yes","Yes","Street Smart","Best Rates for Self Employed","see rate sheet","Yes"]
["Street Capital","Street Capital ( Stated Income 65%-90% )\n                                                 Insured",null,{"$f":"VLOOKUP(A120,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",90,680,"Strong - 2 years",50000,"$750,000 $600,000","5%\nplus Gifted","No","Purch","O/O max 2 units",39,44," -"," -",25," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","Best plus","Yes","Declared","BFS","Proof 2yrs BFS","Option","Min. 2yr \nbus. owner","No Max.","No","No","Std. Underwriting","1,2,3,4,5 yr\n & 5yr ARM",20,20,"1st Mort.","no","no","GNW / C.G. Premium ","65.01%-90%","Legal","Always","Always","n/a","On Qual.","Yes","No","Street Smart","Less Paper,\n minimum 1 proof of self employed.","see rate sheet","Yes"]
["Street Capital","Street Capital     ( Stated Income < 65% )\n                                              Insurable",null,{"$f":"VLOOKUP(A121,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",65,650,"Strong - 2 years",50000,"$750,000 $600,000","35% + P.I.T. None Gifted or Borrowed","No","Purch","O/O max 2 units\n O/O 4 max in Major Urban",39,44," -"," -",25," -",10,"higher of Deal Rate \nor 5yr Benchmark"," -","Best +.15%","Yes","Declared","Self Employed,\nCommission","Proof 2yrs BFS","Option","Min. 2yr","No Max.","2 Years","No","Std. Underwriting","1,2,3,4,5 yr\n & 5yr ARM",20,20,"1st Mort.","no","no","n/a","n/a","Legal","Always","Always","n/a","On Qual.","Yes","No","Street Smart","Less Paper,\n minimum 1 proof of self employed.","see rate sheet","Yes"]
["Street Capital","Street Capital - Solutions  \n      ( FLEX Un-Insured - Provable Income )",null,{"$f":"VLOOKUP(A122,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"select centres \nBC AB ON NS NL",80,"n/a","Min 1 year clean",50000,750000,"20% own resources \nNone Gifted / Borrowed","No","Purch, ReFi, ETO","O/O to 2 Units"," -"," -","Make Sense","Make Sense"," -",30,10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Based on Application","No","Yes","Employment","Standard Verification","Current","n/a","n/a","6 Months","6 Months","Std. Underwriting","1,2,3,4,5 yr",20,20,"1st Mort.","no","no","n/a","no","Appraisal, Legal","Always \nApproved list","Always"," -","No","Straight","No","Yes","Street Solutions is amazing at non-conforming","see rate sheet","No"]
["Street Capital","Street Capital - Solutions  \n              ( Un-Insured - Validated Income )",null,{"$f":"VLOOKUP(A123,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"select centres \nBC AB ON NS NL",80,"n/a","Min 1 year clean",50000,750000,"20% own resources \nNone Gifted / Borrowed","No","Purch, ReFi, ETO","O/O to 2 Units"," -"," -","Make Sense","Make Sense"," -",30,10," -","higher of 5yr Benchmark or Deal Rate +2.00%","Based on Application","No","Declared","BFS, \nCommission","2 business related docs","Current","6 Months","No Max.","6 Months","6 Months","Std. Underwriting","1,2,3,4,5 yr",20,20,"1st Mort.","no","no","n/a","no","Appraisal, Legal","Always \nApproved list","Always"," -","No","Straight","No","Yes","Street Solutions is amazing at non-conforming","see rate sheet","No"]
["Street Capital","Street Capital - Solutions  \n( PRIME Un-Insurable - Validated Income )",null,{"$f":"VLOOKUP(A124,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. \nAB PQ",80,640,"Strong - 2 years",50000,1500000,"20% own resources \nNone Gifted / Borrowed","No","Purch, ReFi","O/O to 3 Units"," -"," -","39","44"," -",30,12," -","higher of 5yr Benchmark or Deal Rate +2.00%","Based on Application","No","Yes","BFS","Proof 2yrs BFS","Current","n/a","n/a","6 Months","6 Months","Std. Underwriting","5 yr",20,20,"1st Mort.","no","no","n/a","no","Appraisal, Legal","NAS, Solidifi, Brookfield","Always"," -","No","Straight","No","Yes","Street Solutions is amazing at non-conforming","see rate sheet","No"]
["TD Canada Trust","TD/CT ( GNW Ins'd  BFS Stated Income )",null,{"$f":"VLOOKUP(A125,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",90,650,"Good",20000,1500000,"Own Resources\n Gift allowed","to 90%","Purch","O/O max 2 units",39,44," -"," -",25," -","longer of\n 5 or Term","higher of Deal Rate \nor 5yr Benchmark"," -","Full Disc. Avail.","Yes","Stated","BFS Documented","2 business related docs","2yrs","Min. 2yr same industry","No Max.","Check with BDM","No","Yes","All & VIRM",15,"up to 100","1st Mort.","no","no","Genworth ALT-A\n Premium","Yes","Appraisal, Legal","NAS, RPS, Solidifi, TD-APV","Always"," -","On Qual.","Yes","yes","No","Local branch network available to borrower","see rate sheet","Yes"]
["TD Canada Trust","TD/CT             ( Ins'd Business For Self )",null,{"$f":"VLOOKUP(A126,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",90,650,"Good",20000,1500000,"Own Resources","to 90%","Purch","O/O to 4 units, Second Home, (leased land)",39,44," -"," -",25," -","longer of\n 5 or Term","higher of Deal Rate \nor 5yr Benchmark"," -","Full Disc. Avail.","Yes","Yes","BFS, Commission","Self Employed and Commissioned Sales forms","Current","Min. 2yr same industry","No Max.","No","Will Consider","Yes","All & VIRM",15,"up to 100","1st Mort.","no","no","Genworth ALT-A\n Premium","Yes","Appraisal, Legal","NAS, RPS, Solidifi, TD-APV","Always"," -","On Qual.","Yes","yes","No","Local branch network available to borrower","see rate sheet","Yes"]
["TD Canada Trust","TD/CT   ( Conventional Business for Self )",null,{"$f":"VLOOKUP(A127,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces",80,650,"Good",20000,1000000,"Own Resources \nNone Gifted / Borrowed","to 90%","Purch, ReFi, ETO","O/O max 2 units, Second Home"," -"," -"," -",44," -",30,"longer of\n 5 or Term"," -","higher of 5yr Benchmark or Deal Rate +2.00%","Full Disc. Avail.","Yes","Gross up NOA","BFS, Commission","Self Employed and Commissioned Sales forms","Current","Min. 3 yr","n/a","Check with BDM","Will Consider","Yes","All & VIRM",15,"up to 100","1st Mort.","no","no","n/a","n/a","Appraisal, Legal","NAS, RPS, Solidifi, TD-APV","Always"," -","On Qual.","Yes","Yes","Yes","80%, Broker Rates, \n15% Gross up on NOA income","see rate sheet","Yes"]
["Xceed Mortgage","XMC Mortgage  ( BFS Simplified )\n           Non-Traditional Income Validation",null,{"$f":"VLOOKUP(A128,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",90,650,"No Derog's","$125,000 $75,000","$925,000 \nplus ins.","10% None Gifted","to 90%","Purch","O/O max 2 units,\n Second Home max 1 unit","35/39","42/44"," -"," -",25," -",20,"BoC Benchmark"," -","Full Disc. Avail.","Unlimited","Stated","BFS Documented","2 business related docs","Current","Min. 2yr same industry","No Max.","No","Not Eligible","Std. Underwriting","3,5 yr + 1 Open",20,20,"1st Mort.","no","no","Genworth ALT-A\n Premium","Yes","n/a","if req'd by insurer","Always"," -","On Qual.","Yes",null,"Yes","Alimony & Support payment deducted from income - NOT treated as liability","see rate sheet","No"]
["Xceed Mortgage","XMC Mortgage  ( Self-Employed )\n                        Provable Income",null,{"$f":"VLOOKUP(A129,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"Provinces exc. PQ",95,600,"No Derog's","$125,000 $75,000",1000000,"5% None Gifted","to 90%","Purch, ReFi, ETO","O/O max 4 units, \nSecond Home 2 units, Small Rental","35/39","42/44","32/35/39","40/42/44",25,30,20,"BoC Benchmark","higher of 5yr Benchmark or Deal Rate +2.00%","Full Disc. Avail.","Unlimited","Yes","BFS Documented","2 business related docs","Not Req'd","Min. 2yr same industry","No Max.","2 Years","2 years confirmation","Std. Underwriting","3,5 yr + 1 Open",20,20,"1st Mort.","no","no","CMHC/GNW Standard","Yes","n/a","if req'd by insurer","Always"," -","On Qual.","Yes","as ReFi","Yes","Alimony & Support payment deducted from income - NOT treated as liability","see rate sheet","No"]
["Xceed Mortgage","XMC Mortgage  ( ALT-A Income )",null,{"$f":"VLOOKUP(A130,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"select centres \nBC AB SK MB ON",80,550,"No Derog's, \nBeacon rejects","$125,000 $75,000",1000000,"10% Own Resource","to 90%","Purch, ReFi, ETO","O/O max 3 units, Second Home max 1 unit, Small Rental to 3 units"," -"," -",44,44," -","30 / 35",20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Competitive"," -","Yes","BFS Documented","2 business related docs","Current","Min. 2yr same industry","No Max.","2 Years","2 years confirmation","Std. Underwriting","1,3,5 yr",20,20,"1st Mort.",0.01,"yes","n/a","Yes","n/a","Always","Always"," -","On Qual.","Yes","as ReFi","Yes","Alimony & Support payment deducted from income - NOT treated as liability","1yr 70 bp, 2yr 80 bp, \n3yr 95 bp   +5bp","No"]
["Xceed Mortgage","XMC Mortgage   ( Near Prime \"B\" )\n                                                Un-Insured",null,{"$f":"VLOOKUP(A131,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"selected centres \nBC AB SK MB ON",80,500,"12 months \none previous BK",100000,2500000,"10% Own Resource","to 90%","Purch, ReFi, ETO\nPayout OPD, CRA, City Tax","O/O to 4 Units, Second Home \nmax 1 Unit, Small Rental to 4 Units"," -"," -",48,48," -","30 / 35",20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Based on Application","No","Flexible","Many","Varies with income source","Current","Min. 2yr same industry","No Max.","2 Years","3 years confirmation","Std. Underwriting","1,2,3 yr",20,20,"1st Mort.",0.01,"yes","n/a","Yes","n/a","Always","Always"," -","On Qual.","Yes","as ReFi","Yes","Helps borrowers with impaired credit.\nBroad range of income sources allowed","1yr 70 bp, 2yr 80 bp, \n3yr 95 bp   +5bp","No"]
["Xceed Mortgage","XMC Mortgage   ( Non-Prime \"B\" )\n                                                Un-Insured",null,{"$f":"VLOOKUP(A132,'[1]My Six'!$F$5:$G$34,2,FALSE)","v":0},"selected centres \nBC AB SK MB ON",65,475,"12 months \none previous BK",100000,1000000,"10% Own Resource","to 90%","Purch, ReFi, ETO\nPayout CRA, City Tax","O/O to 4 Units, Second Home \nmax 1 Unit, Small Rental to 4 Units"," -"," -",50,50," -","30 / 35",20," -","higher of 5yr Benchmark or Deal Rate +2.00%","Based on Application","No","Flexible","Many","Varies with income source","Current","Min. 2yr same industry","No Max.","2 Years","4 years confirmation","Std. Underwriting","1,2,3 yr",20,20,"1st Mort.",0.01,"yes","n/a","Yes","n/a","Always","Always"," -","On Qual.","Yes","as ReFi","Yes","Helps borrowers with impaired credit.\nBroad range of income sources allowed","1yr 70 bp, 2yr 80 bp, \n3yr 95 bp   +5bp","No"]
[]
[null,{"$f":"TODAY()","v":"2024-03-06"}]
[]
[null,"Disclaimer"]
[null,"Information provided in this tool is that as supplied by the named lending institution prior to release of this version.  Product features, approval guidelines, and lender policies may change without prior written notice.  Current lender offerings should be confirmed by referring to the latest lender literature or contacting the lender directly prior to quoting: terms, conditions or rates to a client; and prior to submitting an application to the lender. This information is provided solely as a condensed version of market options. The user name and/or logo have been added at the request of the user for the purpose of consumer branding, not product ownership."]
[]
[]
[null,"   Developer:- MMI Mortgage Mentor Inc   *"]
[null,"    Author:- R. A. (Rick) Robertson MBI   *"]
[null,"    Proprietary Property of R. A. Robertson"]
[null,"    © Copyright 08/01/05 (revised through March 2024"]
[]
[null,"Use without prior written permission of the Author is prohibited."]

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[]
[null,null,null,null,null,null,"Comparison\nCalculator"]
[null,"prepared by"]
[null,{"$f":"'[2]Your Data'!$D$8","v":"Enter \"My Info\" data"}]
[null,{"$f":"'[2]Your Data'!$D$14","v":"Enter \"My Info\" data"}]
[null,null,{"$f":"\"provincial license / registration number \"&'[2]Your Data'!$D$19","v":"provincial license / registration number Enter \"My Info\" data"}]
[null,{"$f":"'[2]Your Data'!$D$9","v":"Enter \"My Info\" data"},null,{"$f":"'[2]Your Data'!$D$10","v":"Enter \"My Info\" data"}]
[]
[null,null,{"$f":"IF(ISBLANK(D9),\" \",\"Prepared expressly for:\")","v":" "}]
[]
[null,null,null,null,null,"Lender A",null,null,"Lender B"]
[null,null,"Net Loan Amount","a",null,null,null,null,{"$f":"F12","v":0}]
[null,null,"% \"Cash-Back\" given by Lender"]
[null,null,"Cash dollar amount",null,null,{"$f":"F12*F13","v":0},null,null,{"$f":"I13*F12","v":0}]
[null,null,"Funds \"Received\"",null,null,{"$f":"F12+F14","v":0},null,null,{"$f":"I12+I14","v":0}]
[null,null,"Insurance Premium percentage"]
[null,null,"Insurance Premium Amount","b",null,{"$f":"+F12*F16","v":0},null,null,{"$f":"+I12*I16","v":0}]
[null,null,"Administration / Lender Fee  $s","c"]
[null,null,"Legal / Appraisal / Inspection Fees  $s","d"]
[null,null,"Total Loan (a+b+c+d)",null,null,{"$f":"F12+F17+F18+F19","v":0},null,null,{"$f":"I12+I17+I18+I19","v":0},null,null,"Calculations"]
[null,null,null,null,null,null,null,null,null,null,"day",{"$f":"IF(F$24=0%,(F$20/(F$26*12)),(F$20*M21)/(1-(1+M21)^(-F$26*12)))","v":0},{"$f":"((1+(F$24/365))^365)^(1/12)-1","v":0}]
[null,null,"Compounding",null,null,"Semi-Annual",null,null,"Monthly",null,"monthly",{"$f":"IF(F$24=0%,(F$20/(F$26*12)),(F$20*M22)/(1-(1+M22)^(-F$26*12)))","v":0},{"$f":"((1+(F$24/12))^12)^(1/12)-1","v":0}]
[null,null,null,null,null,null,null,null,null,null,"semi-ann",{"$f":"IF(F$24=0%,(F$20/(F$26*12)),(F$20*M23)/(1-(1+M23)^(-F$26*12)))","v":0},{"$f":"((1+(F$24/2))^2)^(1/12)-1","v":0}]
[null,null,"Rate",null,null,null,null,null,null,null,"ann",{"$f":"IF(F$24=0%,(F$20/(F$26*12)),(F$20*M24)/(1-(1+M24)^(-F$26*12)))","v":0},{"$f":"((1+(F$24))^1)^(1/12)-1","v":0}]
[null,null,"Term ( in years)",null,null,1,null,null,{"$f":"F25","v":1}]
[null,null,"Amortization (in years)",null,null,25,null,null,25,null,"day",{"$f":"IF(I$24=0%,(I$20/(I$26*12)),(I$20*M26)/(1-(1+M26)^(-I$26*12)))","v":0},{"$f":"((1+(I$24/365))^365)^(1/12)-1","v":0}]
[null,null,"Monthly Payment",null,null,{"$f":"IF(F22=\"daily\",L21,IF(F22=\"monthly\",L22,IF(F22=\"Semi-annual\",L23,IF(F22=\"Annual\",L24,0))))","v":0},null,null,{"$f":"IF(I22=\"daily\",L26,IF(I22=\"monthly\",L27,IF(I22=\"Semi-annual\",L28,IF(I22=\"Annual\",L29,0))))","v":0},null,"monthly",{"$f":"IF(I$24=0%,(I$20/(I$26*12)),(I$20*M27)/(1-(1+M27)^(-I$26*12)))","v":0},{"$f":"((1+(I$24/12))^12)^(1/12)-1","v":0}]
[null,null,null,null,null,null,null,null,null,null,"semi-ann",{"$f":"IF(I$24=0%,(I$20/(I$26*12)),(I$20*M28)/(1-(1+M28)^(-I$26*12)))","v":0},{"$f":"((1+(I$24/2))^2)^(1/12)-1","v":0}]
[null,null,"Total of monthly payments","d",null,{"$f":"F27*F25*12","v":0},null,null,{"$f":"I27*I25*12","v":0},null,"ann",{"$f":"IF(I$24=0%,(I$20/(I$26*12)),(I$20*M29)/(1-(1+M29)^(-I$26*12)))","v":0},{"$f":"((1+(I$24))^1)^(1/12)-1","v":0}]
[null,null,"Outstanding Balance at end of term","e",null,{"$f":"IF(F22=\"daily\",-FV(M21,F25*12,-F27,F20,0),IF(F22=\"monthly\",-FV(M22,F25*12,-F27,F20,0),IF(F22=\"semi-annual\",-FV(M23,F25*12,-F27,F20,0),IF(F22=\"annual\",-FV(M24,F25*12,-F27,F20,0),\"\"))))","v":0},null,null,{"$f":"IF(I22=\"daily\",-FV(M26,I25*12,-I27,I20,0),IF(I22=\"monthly\",-FV(M27,I25*12,-I27,I20,0),IF(I22=\"semi-annual\",-FV(M28,I25*12,-I27,I20,0),IF(I22=\"annual\",-FV(M29,I25*12,-I27,I20,0),\"\"))))","v":0}]
[null,null,"Total Paid out during Term","d+e",null,{"$f":"F29+F30","v":0},null,null,{"$f":"I29+I30","v":0}]
[]
[null,"Loan Cost = Total Paid - Funds Received",null,null,null,{"$f":"F31-F15","v":0},null,null,{"$f":"I31-I15","v":0}]
[null,null,null,null,null,{"$f":"IF(F33-I33<0,F11&\" is less expensive by\",\"\")","v":""},null,null,{"$f":"IF(F33-I33>0,I11&\" is less expensive by\",\"\")","v":""}]
[null,null,"this result may be off slightly due to rounding",null,null,{"$f":"IF(F33-I33>0,\" \",I33-F33)","v":0},null,null,{"$f":"IF(F33-I33<0,\" \",F33-I33)","v":0}]
[]
[]
[null,"The figures calculated here use the same formulas for both lender options and are accurate for comparison only."]
[null,"These amounts may not be exactly the same as the final, approved payments calculated by the Lender granting the financing."]
[null,{"$f":"Comparison!B140&\"      \"&Comparison!B141&\"      \"&Comparison!B143","v":"   Developer:- MMI Mortgage Mentor Inc   *          Author:- R. A. (Rick) Robertson MBI   *          © Copyright 08/01/05 (revised through March 2024"}]
[]
["Use without prior written permission of the Author is prohibited."]

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[]
[null,null,null,"Comparison\nCalculator"]
[null,{"$f":"Calculator!B3","v":"prepared by"}]
[null,{"$f":"Calculator!B4","v":"Enter \"My Info\" data"}]
[null,{"$f":"Calculator!B5","v":"Enter \"My Info\" data"}]
[null,null,{"$f":"Calculator!C6","v":"provincial license / registration number Enter \"My Info\" data"}]
[null,{"$f":"Calculator!B7","v":"Enter \"My Info\" data"},null,{"$f":"Calculator!D7","v":"Enter \"My Info\" data"}]
[]
[null,null,{"$f":"Calculator!C9","v":" "},{"$f":"Calculator!D9","v":0}]
[]
[null,null,null,null,null,{"$f":"Calculator!F11","v":"Lender A"},null,null,{"$f":"Calculator!I11","v":"Lender B"}]
[null,null,{"$f":"Calculator!C12","v":"Net Loan Amount"},"a",null,{"$f":"Calculator!F12","v":0},null,null,{"$f":"Calculator!I12","v":0}]
[null,null,{"$f":"Calculator!C13","v":"% \"Cash-Back\" given by Lender"},null,null,{"$f":"Calculator!F13","v":0},null,null,{"$f":"Calculator!I13","v":0}]
[null,null,{"$f":"Calculator!C14","v":"Cash dollar amount"},null,null,{"$f":"Calculator!F14","v":0},null,null,{"$f":"Calculator!I14","v":0}]
[null,null,{"$f":"Calculator!C15","v":"Funds \"Received\""},null,null,{"$f":"Calculator!F15","v":0},null,null,{"$f":"Calculator!I15","v":0}]
[null,null,{"$f":"Calculator!C16","v":"Insurance Premium percentage"},null,null,{"$f":"Calculator!F16","v":0},null,null,{"$f":"Calculator!I16","v":0}]
[null,null,{"$f":"Calculator!C17","v":"Insurance Premium Amount"},"b",null,{"$f":"Calculator!F17","v":0},null,null,{"$f":"Calculator!I17","v":0}]
[null,null,{"$f":"Calculator!C18","v":"Administration / Lender Fee  $s"},"c",null,{"$f":"Calculator!F18","v":0},null,null,{"$f":"Calculator!I18","v":0},null,"."]
[null,null,{"$f":"Calculator!C19","v":"Legal / Appraisal / Inspection Fees  $s"},"d",null,{"$f":"Calculator!F19","v":0},null,null,{"$f":"Calculator!I19","v":0},null,"."]
[null,null,{"$f":"Calculator!C20","v":"Total Loan (a+b+c+d)"},null,null,{"$f":"Calculator!F20","v":0},null,null,{"$f":"Calculator!I20","v":0}]
[]
[null,null,"Compounding",null,null,{"$f":"Calculator!F22","v":"Semi-Annual"},null,null,{"$f":"Calculator!I22","v":"Monthly"}]
[]
[null,null,"Rate",null,null,{"$f":"Calculator!F24","v":0},null,null,{"$f":"Calculator!I24","v":0}]
[null,null,"Term ( in years)",null,null,{"$f":"Calculator!F25","v":1},null,null,{"$f":"Calculator!I25","v":1}]
[null,null,"Amortization (in years)",null,null,{"$f":"Calculator!F26","v":25},null,null,{"$f":"Calculator!I26","v":25}]
[null,null,"Monthly Payment",null,null,{"$f":"Calculator!F27","v":0},null,null,{"$f":"Calculator!I27","v":0}]
[]
[null,null,"Total of monthly payments","d",null,{"$f":"Calculator!F29","v":0},null,null,{"$f":"Calculator!I29","v":0}]
[null,null,"Outstanding Balance at end of term","e",null,{"$f":"Calculator!F30","v":0},null,null,{"$f":"Calculator!I30","v":0}]
[null,null,"Total cash paid out during Term","d+e",null,{"$f":"Calculator!F31","v":0},null,null,{"$f":"Calculator!I31","v":0}]
[]
[null,null,"Loan Cost = Total Paid - Total Loan",null,null,{"$f":"Calculator!F33","v":0},null,null,{"$f":"Calculator!I33","v":0}]
[null,null,null,null,null,{"$f":"Calculator!F34","v":""},null,null,{"$f":"Calculator!I34","v":""}]
[null,null,"this result may be off slightly due to rounding",null,null,{"$f":"Calculator!F35","v":0},null,null,{"$f":"Calculator!I35","v":0}]
[]
[null,"** Special Notes **"]
[null,"     * proper Cost of Credit logic requires that expenses related to obtaining the loan be included in the \"Total Loan\""]
[null,"     * Cash Back is not deducted from the Total loan because many lenders only provide that cash at or after \"funding\"."]
[null,"     * although the Term of the second option may actually differ, for fair comparison here we keep the two the same."]
[null,"     * the figures calculated here use the same formulas for both lender options and are accurate for comparison only."]
[null,"     * These amounts may not be exactly the same as the final, approved payments calculated by the Lender granting the financing."]
[]
[null,{"$f":"Calculator!B40","v":"   Developer:- MMI Mortgage Mentor Inc   *          Author:- R. A. (Rick) Robertson MBI   *          © Copyright 08/01/05 (revised through March 2024"}]
[null,{"$f":"Calculator!A42","v":"Use without prior written permission of the Author is prohibited."}]

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[]
["This sheet is the source sheet name where the column headings are for the field search"]
[]
["Column A contains column Heading to display"]
[null,"Column B contains the heading sheet&cell address "]
["Title to Display","Reference Cell"]
["Column Finder - click here",{"$f":"Comparison!D7","v":0},"<<<  #N/A is a CORRECT display here "]
["Amortization Conventional",{"$f":"Comparison!$S$4","v":"Amortization"}]
["Amortization High Ratio",{"$f":"Comparison!$S$4","v":"Amortization"}]
["Amortization Minimum",{"$f":"Comparison!$S$4","v":"Amortization"}]
["Annual Prepayment",{"$f":"Comparison!$AJ$4","v":"Annual"}]
["Application Fee added?",{"$f":"Comparison!$AN$4","v":"Appl. Fee added?"}]
["Application Fees",{"$f":"Comparison!$AM$4","v":"Application Fees"}]
["Appraisal",{"$f":"Comparison!$AR$4","v":"Appraisal"}]
["Assumable",{"$f":"Comparison!$AU$4","v":"Assumable"}]
["Beacon Minimum",{"$f":"Comparison!$G$4","v":"Beacon Minimum"}]
["Client set-up costs",{"$f":"Comparison!$AQ$4","v":"Client set-up costs"}]
["Commission 100%",{"$f":"Comparison!$AF$4","v":"100% Commission"}]
["Credit Info",{"$f":"Comparison!$H$4","v":"Credit"}]
["Deal Rate",{"$f":"Comparison!$X$4","v":"Deal Rate"}]
["Documents required",{"$f":"Comparison!$AB$4","v":"Other Documents Underwriter may ask for"}]
["Employed Co Borrower",{"$f":"Comparison!$AH$4","v":"Employed\nCo Borrower"}]
["Equity Minimum",{"$f":"Comparison!$K$4","v":"Equity Minimum"}]
["Evidence of Income",{"$f":"Comparison!$Z$4","v":"Evidence of Income"}]
["Finders Fees",{"$f":"Comparison!$AZ$4","v":"Finders Fees"}]
["GDS - Conventional",{"$f":"Comparison!$Q$4","v":"Un-Insurable"}]
["GDS - High Ratio",{"$f":"Comparison!$O$4","v":"Insurable"}]
["Income Sources",{"$f":"Comparison!$AA$4","v":"Income Source"}]
["Lending Area",{"$f":"Comparison!$E$4","v":"Lending Area"}]
["Loan Amount Maximum",{"$f":"Comparison!$I$4","v":"Loan Amount"}]
["Loan Amount Minimum",{"$f":"Comparison!$I$4","v":"Loan Amount"}]
["LTV Maximum",{"$f":"Comparison!$F$4","v":"LTV (%) Maximum"}]
["Max Time Self Employed",{"$f":"Comparison!$AE$4","v":"Max Time Self Employed"}]
["MI Premium Added to Mort.",{"$f":"Comparison!$AP$4","v":"Premium Added to Mort."}]
["Mortgage Risk Insurance",{"$f":"Comparison!$AO$4","v":"Mortgage Risk Insurance"}]
["New to Canada",{"$f":"Comparison!$AT$4","v":"New to Canada"}]
["NOA's re No tax",{"$f":"Comparison!$AC$4","v":"NOA's\nre No tax"}]
["Payment Increase Option",{"$f":"Comparison!$AK$4","v":"Payment"}]
["Portable",{"$f":"Comparison!$AV$4","v":"Portable"}]
["Product Advantage",{"$f":"Comparison!$AY$4","v":"Product Advantage"}]
["Property Type",{"$f":"Comparison!$N$4","v":"Property Type"}]
["Purpose",{"$f":"Comparison!$M$4","v":"Purpose"}]
["Qualifying Rate Conventional",{"$f":"Comparison!$V$4","v":"Qualifying Rate"}]
["Qualifying Rate High Ratio",{"$f":"Comparison!$V$4","v":"Qualifying Rate"}]
["Rate Buy Down?",{"$f":"Comparison!$Y$4","v":"Rate"}]
["Refinance",{"$f":"Comparison!$AX$4","v":"Refinance"}]
["Salary plus Commission",{"$f":"Comparison!$AG$4","v":"Salary plus Commission"}]
["Seconds Allowed",{"$f":"Comparison!$L$4","v":"Seconds Allowed"}]
["Security",{"$f":"Comparison!$AL$4","v":"Security"}]
["Switch  \"in\"",{"$f":"Comparison!$AW$4","v":" Switch  \"in\""}]
["TDS - Conventional",{"$f":"Comparison!$Q$4","v":"Un-Insurable"}]
["TDS - High Ratio",{"$f":"Comparison!$O$4","v":"Insurable"}]
["Terms Available",{"$f":"Comparison!$AI$4","v":"Terms Available"}]
["Time Self Employed",{"$f":"Comparison!$AD$4","v":"Time Self Employed"}]
["Title Insurance",{"$f":"Comparison!$AS$4","v":"Title Insurance"}]
["Volume Bonus",{"$f":"Comparison!$BA$4","v":"Volume Bonus"}]

{"sheet":"Agreement","index":6,"n_rows":47,"n_cols":2,"rows_kept":47,"cut":false,"hidden":true,"merged":[]}
[]
[null,"Mortgage Mentor: Disclaimer, Privacy Policy, and License Agreement"]
[]
[null,"Read the terms and conditions of this license agreement carefully.  "]
[null,"By: downloading, otherwise receiving, or using a copy of the program, you are accepting and agreeing to the terms of this license agreement."]
[]
[null,"1.     The program is copyrighted and licensed (not sold). This is a legal agreement between you (either an individual end-user or an entity) and MMI Mortgage Mentor Inc. (“MMI”) . If you do not agree to the terms and conditions of this agreement, you must promptly stop using the Software, remove it from any computer on which you have installed it, and destroy all aspects of the Software in your possession or control."]
[null,"continued…"]
[null,"2.      At MMI, we are committed to respecting and protecting your privacy and security.  We have taken measures to protect the security of your personal information and protect your data from misuse and unauthorized access or disclosure. While any data transmissions over the internet cannot be guaranteed 100%, MMI would like to reassure our subscribers that our site www.mortgagementor.com is protected by COPYminder (www.copyminder.com). To further protect your security, we are providing each subscriber with a unique Product Key for their personal use only.  By using this software you agree that your Product Key shall not be shared, distributed or broadcast to any other parties."]
[null,"continued…"]
[null,"3.    Each Product Key and Mortgage Mentor Tool (from herein referred to as “Software”) are protected by COPYminder.  Periodically throughout the duration of your subscription, your Product Key and computer ID will need to be re-validated by COPYminder’s protection system. To facilitate this, your computer will need to be connected to the internet.  No data is copied, installed, or accessed from your computer during this process. You agree to allow COPYminder access to the Software installed on your computer solely for such re-validation purposes."]
[null,"continued…"]
[null,"4.     The Software that is made available for downloading from our online server is owned by MMI.  This Software is protected by copyright laws, and is  licensed to you on a non-exclusive limited basis to be used by you in accordance with the terms and conditions described herein.  Any use, reproduction or redistribution of the Software that is not in accordance with the terms and conditions in this agreement is expressly prohibited by law, and may result in civil and criminal penalties."]
[null,"continued…"]
[null,"5.     This Software is licensed, not sold, for use under the terms and conditions of this agreement, and MMI reserves all rights not expressly granted in this agreement. Without limiting the generality of the forgoing MMI retains ownership of  the Software, and all intellectual property rights therein.  As such, you acknowledge and agree that MMI holds all rights to title and interest in all tangible and intangible incidents of the product and/or service, including copyrights and trade secrets pertaining thereto, and that this agreement conveys to you only a limited right to access and use of the product and/or service.  Subject to the terms and conditions of this agreement, MMI grants to you a non-exclusive limited license to use one copy of the Software and any documentation accompanying this agreement on one computer only.  No other rights are granted.  You may not use the Software on different computers concurrently using the same Product Key.  Attempts to install this Software on a second computer will cause the original, authorized installation to malfunction."]
[null,"continued…"]
[null,"6.      The Software contains copyrighted concepts, ideas, and other proprietary materials of MMI. You agree not to analyze, reverse engineer, decompile or disassemble the Software, or any part of the Software.  You also agree to not modify or create derivative works of the Software, combine with or incorporate the Software into any other application Software, print a copy of the Software, reproduce, distribute, publish, resell for profit, broadcast, transmit or provide its functionality, or commercially exploit the Software and any information available on this site in any matter without the express consent of MMI. AND IS PROHIBITED WITHOUT THE EXPRESS WRITTEN PERMISSION OF MMI."]
[null,"continued…"]
[null,"7.      The Software is considered in use if it is loaded on the computer’s permanent or temporary memory.  If you are acquiring the Software on behalf of another person or entity, you represent and warrant that you have the authority to bind the party or entity for which you are acquiring the Software to the terms and conditions of this agreement."]
[null,"continued…"]
[null,"8.    IN NO EVENT SHALL MMI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS OR THEIR RESPECTIVE SUCCESSORS OR ASSIGNS BE LIABLE TO YOU OR ANY OTHER THIRD PARTY FOR ANY DAMAGES OF ANY KINDINCLUDING BUT NOT LIMITED TO: GENERAL, DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LOSS OF INFORMATION, LOSS OF SAVINGS, LOSS OF DATA, BUSINESS INTERRUPTION  OR THE LIKE ARISING OUT OF OR IN CONNECTION WITH THE DELIVERY, PERFORMANCE, TRANSMISSION, FAILURE TO DELIVER, PERFORM, OR TRANSMIT, USE OR INABILITY TO USE THE PROGRAM OR THE INFORMATION CONTAINED IN THE SOFTWARE AND"]
[null," REGARDLESS OF THE CAUSE WHETHER ARISING IN CONTRACT (INCLUDING FUNDAMENTAL BREACH), TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, EVEN IF CAUSED BY THE NEGLIGENCE OF MMI ITS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS OR IF MMI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS KNEW OR OUGHT TO HAVE KNOWN  OF THE POSSIBILITY OF SUCH DAMAGES."]
[null,"continued…"]
[null,"9. YOU HEREBY RELEASE MMI AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, FROM ANY CLAIMS INCLUDING, BUT NOT LIMITED TO, ANY CLAIMS RELATED TO DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LOSS OF INFORMATION, LOSS OF SAVINGS, LOSS OF DATA,  BUSINESS INTERRUPTION OR THE LIKE ARISING OUT OF OR IN CONNECTION WITH THE DELIVERY, PERFORMANCE, TRANSMISSION, FAILURE TO DELIVER,  PERFORM OR TRANSMIT, USE OR INABILITY TO USE THE PROGRAM OR THE INFORMATION CONTAINED IN THE SOFTWARE, AND YOU AGREE NOT TO ASSERT ANY CLAIMS AGAINST THEM, ARISING FROM YOUR USE OF THE SOFTWARE."]
[null,"continued…"]
[null,"10.      In the event of errors or omissions in any information, the sole responsibility of MMI is to use its best efforts to correct, by the issue of a corrected release, any errors which it or any of its employees or agents may have made, negligently or otherwise, in transmitting copy accurately and which are brought to its attention. "]
[null,"continued…"]
[null,"11. THE SOFTWARE IS PROVIDED ON AN \"AS IS, WHERE IS\" BASIS AND MMI DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS, ENDORSEMENTS OR CONDITIONS WITH RESPECT TO THE SOFTWARE, INCLUDING WITHOUT LIMITATION, WARRANTIES AS TO MERCHANTABILITY, OPERATION, NON-INFRINGEMENT, USEFULNESS, COMPLETENESS, ACCURACY, RELIABILITY AND FITNESS FOR A PARTICULAR PURPOSE."]
[null,"continued…"]
[null,"12.     This agreement is effective for the duration of the license term and any renewals thereto.  Upon violation of any of the terms and conditions of this agreement, rights to the use of the Software shall automatically terminate and the Software must be destroyed.  If MMI makes a request via public announcement or press release to stop using the Software, you will comply immediately with this request.  Removal of the Software or discontinuance of its use prior to the end of the subscription does not entitle you to a refund or absolve you from continuing to make the regular subscription payments."]
[null,"continued…"]
[null,"13.     Links to other web sites from the Software or from the MMI web site allow you to leave the Software and/or the MMI web site.  The linked sites are not under the control of MMI and MMI is not responsible for the contents of any linked site or links within a linked site.  These links are provided as a convenience only and do not imply any endorsement or recommendation by MMI."]
[null,"continued…"]
[null,"14.      A service charge will be applied for any support in re-installation, troubleshooting, or diagnostic assistance resulting from non-compliance with this agreement."]
[null,"continued…"]
[null,"15.     CAUTION, some freeware, shareware, or you-don’t-have-to-pay-for-it-ware may cause a conflict with this Software.  It is recommended by MMI that this Software only be run on a computer system containing industry accepted business software and trustworthy programs. MMI is not responsible for any problems resulting from you downloading or installing recreational or non-business software that interferes with the Software.  You are solely responsible for the safety and maintenance of your computer.  Loss of use of your computer does not justify non-payment of any subscriptions fees due."]
[null,"continued…"]
[null,"16.     By using the Software or by submitting personal information to us, you signify your agreement to MMI’s Disclaimer and Privacy Policy.  [NOTE: Canadian privacy laws do not allow you to force someone to consent to be given information. If you do something like this, you are required to allow a person to opt out at an early opportunity.  We recommend you address this issue in your privacy policy].  MMI reserves the right to change our Disclaimer and Privacy Policy at any time by posting the revised policy on our website.  MMI may notify you of any such changes by posting notice of such modifications on the web site, or via e-mail, postal mail or other means. Notwithstanding the foregoing, it is your responsibility to periodically check our Disclaimer and Privacy Policy to inform yourself of such changes. "]
[null,"continued…"]
[null,"17.     It is the intent of MMI to assist in the advancement of the profession of Mortgage Brokering in Canada through making our calculators, and resource based, product sorting ideas available to professional independent Mortgage Brokers through our specialized software.  It is the desire of MMI that this Software not be made available for use by: Banks, Credit Unions, Trust Companies, lenders in general, Insurance Agents or Brokers, Financial Planners, Mutual Fund sales representatives, Realtors and Real Estate Agents, or anyone whose principal business is not mortgage origination."]
[null,"continued…"]
[null,"18.   MMI may, in its sole discretion, modify portions or all of this agreement at any time. The onus is on you to periodically check for any revision or modifications to this agreement by checking the MMI web site www.mortgagementor.com.  Your continued use of the Software following notice of such modifications shall be deemed to be your acceptance of any such modifications to this agreement.  If you do not agree to such modifications you must immediately stop using the Software, destroy the Software in your possession or control and notify MMI immediately.  "]
[null,"continued…"]
[null,"19.    This agreement may not be assigned by you. MMI may assign this agreement at any time without notice to you. "]
[null,"continued…"]
[null,"20.    Microsoft Office, Windows and/or other Microsoft products referenced or used are either trademarks or registered trademarks of Microsoft.  All other trademarks are property of their respective owners."]
[null,"END"]