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Alvamortgage

1:1 Mortgage Guidance for individuals looking to Renew/ Refinance or Buy their next home.

08/13/2026

Self-employed. No tax returns. Stuck in a private mortgage—and needed to remove a former partner from the property.

It wasn’t a straightforward file, but we found a solution and got it done.

Your situation may be complicated. That doesn’t mean it’s hopeless.

Send me a message and let’s look at the full picture.

Each application is subject to lender review and approval.

07/22/2026

Just got the official approval for my Level 2 Mortgage Agent licence.

It’s a milestone I’m proud of, but what I’m most grateful for is what it represents—years of experience, hundreds of files, and the opportunity to help clients through complex mortgage situations.

Thank you to everyone who’s trusted me along the way.

On to helping even more families and business owners get the right financing. 💙

07/17/2026

Proud to finish Top 5 nationally this month.

Every deal is different, but the goal is always the same:
• Help business owners get approved.
• Find solutions for complex income.
• Get the deal across the finish line.

Thanks to my clients and lender partners for making it possible.

07/16/2026

Most people only see the “Funded” email.

They don’t see the first consultation…
The lender declines…
The strategy calls…
The document requests…
The underwriting questions…
The last-minute conditions…
Or the dozens of conversations that happen before closing day.

Every mortgage has a story.

This one started with a goal.
It ended with a set of keys.

Swipe through to see how we took this file from the initial conversation to a successful funding.

If your situation isn’t straightforward—whether you’re self-employed, buying with complex income, refinancing, consolidating debt, or working against a tight deadline—there’s usually more than one way to structure a mortgage.

The right strategy often matters more than simply finding the lowest rate.

📍Ontario | Alberta | British Columbia
📩 Send me a DM if you’d like to see what your options look like before speaking with just one bank.

07/15/2026

Most contractors hear one of two things:

❌ “You don’t qualify.”
❌ “Come back after two years.”

The reality?

Many lenders look beyond traditional income when your file is structured properly.

If you’re a contractor looking to buy, refinance, or build, let’s explore your options before you give up.

Message me today.

📞 416-276-7896

02/25/2025

5 Things Every Self-Employed Homebuyer Needs to Know

1️⃣ You don’t need to show 2 years of tax returns.
2️⃣ You can refinance to pay off tax arrears.
3️⃣ There are lenders who use gross business revenue to approve you.
4️⃣ You can still get a low interest rate and high loan amounts.
5️⃣ Approval in 48 hours with the right lender.

Tag a business owner who needs to see this 👇

02/23/2025

Meet John, a contractor who wanted to buy a home but couldn’t get approved by the bank.

His challenge?
❌ Low taxable income (lots of write-offs)
❌ A few credit hiccups
❌ High business revenue, but banks didn’t care

What we did:
✅ Used his business revenue to qualify
✅ Skipped tax returns & got a fast approval
✅ Closed his mortgage in 4 weeks

Now, John owns his home—without changing how he runs his business.

If you’re self-employed and looking to buy or refinance, DM me ‘APPROVE’ and let’s see what’s possible for you!

02/22/2025

Your Mortgage Blueprint as a Business Owner

“Here’s what you need to get approved for a mortgage as a self-employed business owner:

📌 Business revenue proof (not taxable income)
📌 80% loan-to-value or lower
📌 No tax returns required
📌 Appraisal of the property

That’s it. If the bank said NO, we say YES.

Let’s talk—comment ‘APPROVE’ below or DM me now.”

02/18/2025

How Smart Business Owners Get Mortgages Without Tax Returns”

Most business owners don’t realize they can get a mortgage WITHOUT submitting tax returns.

Our Lenders that work with business owners use your REAL business revenue, not your “after-tax” income. That means:

✅ You can write off expenses & still qualify
✅ No need to change how you file taxes
✅ You can get an approval in 48 hours

Thinking of refinancing or buying? Drop a “✅” in the comments, and I’ll show you how it works.”

12/20/2024

🌟 Client Success Story! 🌟

When Ashley’s mortgage renewal came up with one of the big banks, we took a closer look at his options—and it paid off BIG! 💰

✅ Found a rate 15 basis points lower
✅ Kept payments the same while shaving 3.5 years off his mortgage
✅ Secured a large discount off Prime, helping him benefit from recent rate cuts

This simple switch aligned perfectly with his goal of being mortgage-free sooner. 🎯

Sometimes it makes sense to stay with your current lender, but other times, exploring your options can lead to BIG savings and a faster path to financial freedom. You don’t have to navigate your renewal alone—I’m here to help!

📅 Ready to review your mortgage renewal? Let’s chat!

Address

45 Sheppard Avenue
North York, ON
M2N5W9

Website

https://craig-alvares.8twelvemortgage.ca/, https://calendly.com/craigalvares, http://craigalvares.com/

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