Val Thibault | Your Cranbook Mortgage Broker
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Not every financial situation fits neatly into a traditional lender’s checklist. And that doesn’t mean you’re out of options.
As a mortgage broker in Cranbrook, I help clients explore alternative mortgage solutions when life circumstances, income structure, or credit history don’t line up with conventional lending — all with clarity, respect, and zero pressure.
Alternative financing refers to mortgage options outside of major banks and traditional lenders. These lenders offer more flexibility and take a broader view of your financial picture.
Alternative mortgages aren’t a last resort — they’re often a strategic stepping stone.
Alternative mortgage solutions may be a good fit if you:
Are self-employed with complex income
Have credit challenges or a lower credit score
Have completed or are recovering from a consumer proposal or bankruptcy
Have recently gone through a major life change
Need flexibility that traditional lenders don’t offer
Every situation is different, and my role is to help you understand whether this option supports your goals — both short and long term.
How to understand what you can afford without maxing yourself out.
I take a thoughtful, transparent approach to alternative financing:
We look at all available options
I explain the pros and cons clearly
We talk through rates, fees, and timelines upfront
We consider your future goals, not just today’s approval
Sometimes alternative financing is a temporary solution — and that’s completely okay. The goal is to move forward with intention and a plan.
Depending on your situation, alternative mortgage options may help you:
Purchase a home when traditional lenders say no
Refinance to consolidate debt or improve cash flow
Create breathing room while rebuilding credit
Access equity for short-term needs
The focus is always on finding a solution that fits your real life — not just checking boxes.
Your questions about alternative mortgage solutions in Cranbrook.
Alternative mortgages can come with higher rates or fees, but that isn’t always the case. I’ll walk you through the full picture so you can make an informed decision.
Often, no. Many clients use alternative financing as a short-term strategy while working toward a traditional mortgage in the future.
Used properly, it can actually help improve your financial position over time. The key is choosing the right option with a clear plan.
Not at all. Alternative financing is also used by self-employed clients, investors, or those with unique financial structures.
A conversation is the best place to start. We’ll look at your situation honestly and explore what makes the most sense for you.