Spitily — Help Center

Hi there!

How can we help you today?

01Quick answers

01Can I use income from Investments, Child Tax, pension, suport/alimony, bonds/OT, or WSIB to qualify?

Absolutely, we take into account all sources of your income.

02What happens if I am declined a mortgage?

Our all-in-one home ownership solution will be able to help you out, even if you are declined a traditional mortgage.

03Do I need a down payment?

Yes, our minimum down payment amount is set at $7,500 or 5% of the purchase price

04Can I own a home with a previous consumer proposal?

Yes, our rent to own program is a homeownership solution for individuals or families with a previous or current consumer proposal.

05Can I own a home with bad credit?

Absolutely, our rent to own program was designed to help families or individuals own homes even with bad credit

06Can I qualify for a mortgage or rent to own on ODSP?

Possibly, we recommend applying as every client is different. We do recommend having at least 2 sources of income.

07What does my current income have to be to qualify?

We do require a combined household income of $40,000+ to be pre-qualified.

08How long will it take me to own a home?

Depending on how quickly and responsive you are, we can get you into a home between 30-60 days.

09Can I own a home with previous bankruptcy?

Yes, but bankruptcy needs to be discharged before entering our program. If two bankruptcies in the past we require a higher down payment, usually 10%+ of the purchase price.

10Can I use my own realtor?

Absolutely! however, we will ask your Realtor to become a member of our “Dream Team.” We only work with the best and will encourage him/her to join our rapidly growing team.