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Call 1-888-794-1464 to Refinance for Your Tax or Mortgage Arrears

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Catch Up On Late Payments

With our massive network of lenders, we are confident that we will find you the lowest rate available on the market. Call now and get your approved loan amount in 24 hours. Most clients are funded within 5 to 8 days.

We have 40+ years of experience helping homeowners with credit problems get out of debt and rebuild credit by using their home equity.

  • Save you thousands of dollars per year on interest payments
  • Rebuild your credit in 12 months with our Credit Repair Program
  • Get 1-on-1 service from our friendly advisors

For Mortgage Arrears

Frank has been laid off his job for a few months, and now he's received a demand letter from the bank after he missed 3 mortgage payments. His bank is not willing to help due to his current lack of income, and Frank doesn't want to sell his family home.

The 360Lending team was able to get Frank a 2nd mortgage that was structured so he doesn't have to make payments for the next 6 months. Our arrangement allowed Frank to catch up on his mortgage arrears, get a bit of extra cash, and not have to worry about his cash flow for the next 6 months.

client's home saved
Home Value: $479,000
1st Mortgage Balance: $98,000
Home Equity Loan Amount: $30,000
$7,200 Mortgage Arrears: PAID
Mortgage Payments Next 6 Months: PAID
Foreclosure: AVOIDED
Payment Home Equity Loan: $225 per month

For Property Tax Arrears

Matt and Rachel recently inherited their home from their parents. Their elderly parents are about 5 years behind on their property taxes, which the city is charging ~15% interest per year. Matt is currently working part-time and Rachel is a self-employed contractor. They want to act before the city pursues power of sale on their property.

Our advisors at 360Lending used the equity in their property to pay off the property tax arrears, which saved them thousands of dollars per year in interest, and avoided additional costs from future legal action. In addition, we also got them extra funds so they can complete some property upgrades to further improve the value of their home.

arrears paid $27,500
Home Value: $700,000
1st Mortgage Balance: $440,000
Home Equity Loan Amount: $66,000
$27,500 Property Tax Arrears: PAID
$30,000 Renovations: PAID
Power of Sale: AVOIDED
Payment Home Equity Loan: $436 per month

For Income Tax Arrears

Jane is a long-term contractor for a language school. She went through a rough patch in life and accumulated about $55,000 in income tax arrears over a long period. Finally the Canada Revenue Agency registered a judgement on her credit bureau, and she's at risk of having her wages garnished.

360Lending was able to refinance her home at a low rate, and used the money to clear up her income tax arrears. By removing the judgement on her bureau, Jane's credit score skyrocketed, which allows her to qualify for better products in the future.

CRA arrears $55,000
Home Value: $565,000
1st Mortgage Balance: $122,000
Home Equity Loan Amount: $71,000
Cash Component: YES
Wage Garnishment: AVOIDED
Payment Home Equity Loan: $488 per month

Testimonials

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Working with 360Lending was a great experience. Our agent, Adam was a pleasure. Always available to answer any questions and was very empathetic of our situation. We would recommend their service.

Andrea and James Trout February, 2015

Excellent customer service and smooth process. I had a very difficult situation and 360 Lending got me a mortgage. Definitely will recommend to my friends.

Alex Moore June, 2015

We went to a couple different lenders and 360Lending was the one that stood out to us. There service was friendly and we had excellent support throughout the process. We are so glad we chose this team and we look forward to dealing with them on our next refinance

Matthew Pugh July, 2015

Head Office

1801-1 Yonge Street
Toronto, ON M5E 1W7

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E-mail: info@360lending.ca

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