Kokanee Mortgage

Kokanee Mortgage Kokanee Mortgage provides a helping hand to people who have been turned down by their bank. We pride

It happens.
05/07/2026

It happens.

05/05/2026

You get it. You have to ask allllll the questions first.

Because in private lending, the deal isn’t just the numbers… it’s the story.

Before you send the file, you have to run through the basics:

- Who is the borrower?
- What is the property?
- Where is it (actually)?
- When do they need to close?
- Why are we here?
- How are they getting out?

Yes, it feels like a lot in the moment…

But sending a complete story means faster answers, fewer back-and-forths, and way better chances of getting a deal done.

Uncle Buck energy… but for private lending.

Some files do that.
04/30/2026

Some files do that.

04/29/2026

The mortgage industry this morning: “Come on… give us something good.”

BoC: Keeps things exactly the same.

No hike.

No cut.

Just… vibes.

Which means:

- same conversations
- same strategies
- same “we’ll see next time” energy

Sure, it was the headline everyone we were all expecting.

And we all know what it means:

We keep structuring.

We keep solving.

We keep moving deals forward.

And we’ll see you all again at the next announcement.

04/28/2026

“The mortgage is in the company’s name…”

…and the borrower thinks, “so I’m not personally on the hook.”

Cue the confusion…

But thankfully, we have a quick reality check for corporate mortgages:

Personal guarantees are almost always required.

Why?

Because from a lender’s perspective, these mortgages more risky, so they want more security.

While we’re at it, don’t forget:

- Holding company vs operating company matters
- Corporate docs need to be current
- Expect more time + higher legal costs

None of it’s a deal breaker… just a different process.

Set expectations early and you avoid the Ross moment later.

In your inbox, monthly.
04/23/2026

In your inbox, monthly.

04/21/2026

That pause says everything.

Mobile home deals just hit different and additions without permits (especially electrical)? That’s a big one.

Because lenders will want:

- proof the work was permitted
- inspections completed
- approvals in place before funding

And in some cases… no permits = no deal (at least not without fixing it first).

Quick reminder for brokers:

Ask early.

- Any additions?

- Any electrical changes?

- Any permits?

Mobile homes aren’t harder… just different.

And when you know what to look for upfront, you avoid this issue later.

And remember, when it comes to the unique ones…Kokanee’s here to help.

So were we.
04/16/2026

So were we.

04/14/2026

Looking for more private deals?

They’re not hiding…

But there are a few spots brokers forget about:

- Divorce lawyers

Take them for coffee (yes, actually). They’ve got clients with equity, cash… and suddenly one income.

- Bankruptcy trustees

Same coffee rule applies. Consumer proposals = opportunity.

- Business associations

They are filled with Business-for-self borrowers with great income, great assets… but are often a terrible fit for bank boxes.

- Your own past clients

If you’ve done one private deal, there are likely more where that came from.

Translation: the deals are already in your orbit… you just have to tap into them.

And when you find them?

Call Kokanee. We’ll help you get it done.

One file.Once a month.
04/09/2026

One file.

Once a month.

Address

103/121 St Paul Street
Kamloops, BC
V2C3K8

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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