{"id":747,"date":"2021-04-28T10:22:31","date_gmt":"2021-04-28T10:22:31","guid":{"rendered":"https:\/\/effortlessmortgage.ca\/blogs\/?p=747"},"modified":"2021-04-28T11:46:31","modified_gmt":"2021-04-28T11:46:31","slug":"mortgage-options-real-live-chat-case-studies","status":"publish","type":"post","link":"https:\/\/effortlessmortgage.ca\/blogs\/mortgage-options-real-live-chat-case-studies\/","title":{"rendered":"Mortgage Options for 5 Different Life Situations:  Real LIVE CHAT Case Studies"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"747\" class=\"elementor elementor-747\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-46528b68 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46528b68\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6f49500f\" data-id=\"6f49500f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17424152 elementor-widget elementor-widget-text-editor\" data-id=\"17424152\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<h2 class=\"wp-block-heading\"><strong>Different Life Situations Require Different Mortgage Options &amp; Recommendations<\/strong><\/h2>\n\n<p>Our 7 days a week live chat service on our website has provided a wealth of information not just for us but for those seeking mortgage options and solutions to their different life situations.<\/p>\n<p>Effortless Mortgage works with over 60+ banks, credit unions, B lenders, and private mortgage lenders in Ontario.<\/p>\n<p>However, our service is mostly geared towards helping homebuyers and homeowners get successfully approved for a mortgage when they don\u2019t have the required credit score or income or debt ratios to get approved by traditional mortgage lenders like banks and larger credit unions.<\/p>\n<p>We\u2019ve created real LIVE CHAT case studies from recurring or more popular questions that we get asked on a daily basis &#8212; in hopes that they provide you, our readers, with real mortgage solutions or recommendations to help you in your own mortgage journey.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efa8a73 elementor-widget elementor-widget-heading\" data-id=\"efa8a73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5 Different Life Situations<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-951710d elementor-widget elementor-widget-text-editor\" data-id=\"951710d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400;\">Our first set of live chat case studies are for those in the market for a home purchase, refinance, or renewal &#8211; but dealing with some income, credit, down payment issues.<\/span><\/p>\n<p><strong>Case Study Topics:<\/strong><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul>\n<li><b>5% Down Payment with Bad Credit (why it&#8217;s not enough) <\/b>&#8212;<b> <span style=\"font-weight: 400;\">\u201cI have 5% down payment but have bad credit and so many problems in my credit history&#8230;will it be okay to buy a house?\u201d<\/span><\/b><\/li>\n<\/ul>\n<p><b><span style=\"font-weight: 400;\"> <img fetchpriority=\"high\" decoding=\"async\" class=\"size-medium wp-image-750 aligncenter\" src=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/4-300x169.png\" alt=\"\" width=\"300\" height=\"169\" srcset=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/4-300x169.png 300w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/4-1024x576.png 1024w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/4-768x432.png 768w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/4-1536x864.png 1536w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/4.png 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/span><\/b><\/p>\n<ul>\n<li><strong><b>Mortgage after Separation\/Divorce <\/b><\/strong>&#8212; <span style=\"font-weight: 400;\">\u201cIs it possible to be approved for a mortgage with low credit \u2026 I need funds to buy out my partner from the shared home.\u201d<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"> <img decoding=\"async\" class=\"size-medium wp-image-751 aligncenter\" src=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/6-300x169.png\" alt=\"\" width=\"300\" height=\"169\" srcset=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/6-300x169.png 300w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/6-1024x576.png 1024w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/6-768x432.png 768w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/6-1536x864.png 1536w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/6.png 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/span><\/p>\n<ul>\n<li><strong><b>Mortgage with Previous Bankruptcy <\/b><\/strong>&#8212; \u201cCan Effortless Mortgage help people with previous bankruptcy?\u201d<\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"size-medium wp-image-755 aligncenter\" src=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/10-300x169.png\" alt=\"\" width=\"300\" height=\"169\" srcset=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/10-300x169.png 300w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/10-1024x576.png 1024w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/10-768x432.png 768w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/10-1536x864.png 1536w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/10.png 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<ul>\n<li><strong><b>10% to 15% Down Payment with Bad Credit <\/b><\/strong>&#8212; <span style=\"font-weight: 400;\">\u201cI have very poor credit with lots of items on collection \u2026 but now we saved up and are looking to purchase a first home \u2026 seeking help.\u201d<\/span><\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-756 aligncenter\" src=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/17-300x169.png\" alt=\"\" width=\"300\" height=\"169\" srcset=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/17-300x169.png 300w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/17-1024x576.png 1024w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/17-768x432.png 768w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/17-1536x864.png 1536w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/17.png 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<ul>\n<li><strong><b>Get a 2nd Mortgage and Save $ <\/b><\/strong>&#8212;<strong> <span style=\"font-weight: 400;\">\u201cHow does Effortless Mortgage save you $ on Private Mortgage (i.e. 2nd mortgage)?&#8221;<\/span><\/strong><\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-757 aligncenter\" src=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/21-300x169.png\" alt=\"\" width=\"300\" height=\"169\" srcset=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/21-300x169.png 300w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/21-1024x576.png 1024w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/21-768x432.png 768w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/21-1536x864.png 1536w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/21.png 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><!-- \/wp:list --><!-- wp:heading {\"level\":3} --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7607e84 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7607e84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60a8553 elementor-widget elementor-widget-heading\" data-id=\"60a8553\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Download The Live Chat Case Studies<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b46973 elementor-widget elementor-widget-text-editor\" data-id=\"4b46973\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400;\">\ud83d\udc47 <\/span><b>Get direct and full access to our 21-Page Live Chat Case Studies with screenshots, answers, and recommendations.<\/b>\u00a0<i style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\">[Click the image]<\/i><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da0e96d elementor-widget elementor-widget-image\" data-id=\"da0e96d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.effortlessmortgage.ca\/pdf\/Effortless%20Mortgage%20Case%20Studies%20-%20Life%20Situations.pdf\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/2-1024x576.png\" class=\"attachment-large size-large wp-image-761\" alt=\"\" srcset=\"https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/2-1024x576.png 1024w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/2-300x169.png 300w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/2-768x432.png 768w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/2-1536x864.png 1536w, https:\/\/effortlessmortgage.ca\/blogs\/wp-content\/uploads\/2021\/04\/2.png 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">click the image<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f4cd270 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f4cd270\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-53a3e08\" data-id=\"53a3e08\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d85add5 elementor-share-buttons--view-icon elementor-share-buttons--shape-circle elementor-share-buttons--skin-gradient elementor-grid-0 elementor-share-buttons--color-official elementor-widget elementor-widget-share-buttons\" data-id=\"d85add5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Different Life Situations Require Different Mortgage Options &amp; Recommendations Our 7 days a week live chat service on our website has provided a wealth of information not just for us but for those seeking mortgage options and solutions to their different life situations. Effortless Mortgage works with over 60+ banks, credit unions, B lenders, and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":772,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9,44,46,1,43,45,42],"tags":[],"table_tags":[],"class_list":["post-747","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-basics","category-bad-credit-mortgage","category-home-purchase","category-news","category-mortgage-options","category-mortgage-refinance","category-private-mortgage"],"_links":{"self":[{"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/posts\/747","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/comments?post=747"}],"version-history":[{"count":22,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/posts\/747\/revisions"}],"predecessor-version":[{"id":777,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/posts\/747\/revisions\/777"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/media\/772"}],"wp:attachment":[{"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/media?parent=747"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/categories?post=747"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/tags?post=747"},{"taxonomy":"table_tags","embeddable":true,"href":"https:\/\/effortlessmortgage.ca\/blogs\/wp-json\/wp\/v2\/table_tags?post=747"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}