A.D. Smitherman

MORTGAGE Agent

Be Smart! Dial Art!

Become a Lender


Would You Like To Invest In Mortgages with EXPERT MORTGAGE?

Earn solid returns at a risk level you feel comfortable with by investing in mort-
gages (including RRSP investments):

  • you can choose investments terms from 6 months to 5 years
  • value of real estate appraised by independent licensed appraisers
  • all documents reviewed by your own lawyer for your protection
  • all appraisal, legal and brokerage fees paid by the borrower
  • minimum investment of $100,000 for accredited investors

Mortgage Investment Yield Matrix

Property Type LTV1 Risk Grade2 Your Rate of Return3
second first
Residential 75 1 8.0 - 10.0% 7.5 - 8.5%
Residential 80 2 10.0 - 12.5% 8.5 - 9.0%
Residential 85 3 11.5 - 15.0% 9.5 - 11.5%
Commercial 70 1 8.0 - 10.0% 7.5 - 8.5%
Commercial 75 2 10.0 - 12.5% 8.5 - 9.5%
Commercial 80 3 11.5 - 15.0% 9.0 - 11.5%

1 Loan To Value ratio

2 arbitrary risk scale used only for setting rates of return

3 investment fixed at this rate throughout mortgage term

Our credit was destroyed after we had a bad year. We needed to expand our facility. I explained to the bank but they declined us. I never heard of your no questions asked private loan but you gave me $500,000 with no paperwork. That was a Godsend. I appreciate it from the bottom of my heart.

M.S Toronto

The bank refused to value my property based on all 211 acres. They said that their 'rules' limited it to 5 acres. Personally, I think that's biased against farmers. I didn't know that you had lenders who would value my property on all the acres. I finally got a large enough loan to tie all my debt!

S.H. Peterborough

A.D. Smitherman

is an EXPERT in hard to place mortgages!
Get Approved. Call Today.
(647) 393-8417
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