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An Unexpected Journey to Home Ownership

Sometimes the journey to your perfect home takes more twists and turns than you expected. This was the case for Sharon and Susanne, who worked with the Auxilium Team for over two years to purchase the property they now call home.

Susanne originally approached us knowing that she had to rebuild her credit due to a previous bankruptcy. She completed our “Rent No More” program which included periodic check-ins from a dedicated team member to make sure she was on track with her progress. Through learning more about what a lender would be looking for when she eventually applied for a mortgage, Susanne successfully re-established a strong credit report with a great score.

Meanwhile, Sharon was in the process of selling a property she had owned in a previous relationship. She planned to use the funds from that sale for the down payment on her new home with Susanne. In many cases where a separation is amicable, the people involved agree on a path forward and choose to divide their assets without involving a lawyer or notary; however, if one of them applies for a mortgage loan in the future the lender will need to see a legal separation agreement. We advised Sharon as to the most efficient way for her to secure the documents that would be required to verify her down payment.

With Susanne’s credit repaired and Sharon’s documents being prepared, they were finally able to start looking for their new home. Once they found their perfect property, our team was able to secure them mortgage financing with an “A” lender at a low rate. The closing date on their purchase didn’t quite line up with the sale of Sharon’s old property, so we were also able to find bridge financing for those funds to complete the deal.

After an unexpected journey towards home ownership, Susanne says, “Their careful attention to detail gave us the confidence that all the T’s were crossed and the I’s dotted!”


If you’re ready to turn “almost” into your dream home, get in touch with our expert team. Call for your free consultation with a mortgage specialist at 250-590-6520 (toll-free 1-855-590-6520). Walk-ins are welcome at our #16-Unit 211-2840 Peatt Road location during regular business hours, and we can arrange appointments evenings and weekends to suit your schedule.

Auxilium Mortgage Corporation is based in Victoria, BC and works with clients locally and across Canada. The Auxilium team has over 100 years of combined financial experience and access to dozens of lenders to help you meet your goals.

This post reflects the best available information at the time of writing/last update. In order to ensure that you have the most up-to-date information, contact us to confirm the details for your specific situation.

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