This is a good opportunity for mortgage brokers as they can learn many things with working you. Everyone needs a good mortgage broker and obviously you too. I think a person get trained well under experience person only.

Thanks Richard. I will give them/her a try.

Don't know anyone in Waterloo, but this Bolton office is great. They "get" how to do the types of mortgages you are after. Good luck.

http://www.mortgagecentre.com/index.cfm?member=sdt&sl=1&CFID=1829253&CFTOKEN=24089390

I live in Waterloo region.
Send me the contacts and comments to my email :

buyer.t.s(at)gmail.com

Thanks

Where are you in Ontario? I know lots of awesome mortgage agents in Canada that know their stuff.

Fresh out of bankruptcy , 2 years out actually.
I am looking for a Mortgage Broker who has experience in cases like mine:
1. Already 2 years since automatic discharge from my first and only Bankruptcy
2 Previously filed a Consumer Proposal which failed and led to Bankruptcy. My previous Broker had no idea what the difference was and kept talking that I had two bankruptcies. although they're on the same debt accounts.
3. I have 3 years with the same employer and make GREAT money (90k plus)
4. Already have a credit card and credit history getting better. Equifax score 625. Transunion I can't get it because their site is a mess.

My previous broker failed to get me a decent deal , and turned out I knew more about his business than he did. I told him to wait until the 2 years period after discharge was over but he pushed me to apply for Pre- approval and came back with negative response and a few really crappy deals form "non mainstream" lenders he had.

My understanding is that now should be easier to get a decent deal with CMHC backed mortgage for a new home.

Please advise and help.