ZK Financial Inc.
An industry leader in mortgage financing
We partner with A and B Lenders and have an extensive pool of private funds. We specialize in resolving deals with low-income, bruised credit, rush closing, etc.
◆ As long as there is sufficient amount of equity in your home, we can provide an approval
◆ Large loan amount, competitive interest rate, fast approval
◆ After signing a commitment, our funding rate is 100%
◆ We fund 1st, 2nd, 3rd mortgage and construction loans
What services do we provide?
We provide financing on residential property, land, warehouse, farm, commercial property, construction, etc. Regardless of your situation, our team will find you the most suitable lender that saves you both time and cost.
Residential Mortgage
◆ Minimum down payment: 20%
◆ New immigrants/non-residents 35% down payment only
◆ [ Multiple Rentals ] Up to 11 investment properties
◆ [ Luxury Home Loan ] Up to $10 Million loan amount
◆ [ House/Land Mortgage Loan] Up to 80% of the home value
Commercial loans
◆ [ Commercial Property Loan ] No restrictions on business types, no need to declare income, and the maximum loan amount can reach 90% of the property's value, loan amount can reach $1,250,000.
◆ [ Commercial operation loan ] Rent to operate a business, no need to declare income, no mortgage, the maximum loan amount for renovation/equipment purchase can reach $500,000.
◆ [ Business purchase loan ] There are no restrictions on the type of business, no need to declare income, and the maximum loan amount can reach $1,000,000.
◆ [ Commercial working capital loan] No restrictions on business types, no need to declare income, and the maximum loan amount can reach $100,000.
Private Lending
1st Mortgage
The lowest interest rate starts from 4.99%, and the fastest loan is three hours
Maximum loan amount: 90% of market value
No credit history or scores required
Suitable Client Group: Low Income Group \ Self Employed Work \ New Immigrants \ International Students \ Tax Arrears and Apartment Management Fee Records \ Business Turnover \ Bank Rejection Letters \ Approval Delays
2nd Mortgage
The lowest interest rate starts from 6.99%, potential to fund within 3 hours
Maximum loan amount: 90% of market value
No credit history or scores required
Suitable customer groups: Clients that want to maintain existing first mortgage / Short Term Use of Funds / Low-Income Group / Self-Employed Clients / New Immigrants / International Students / Business Expansion / Credit Card Debt Consolidation / Bridge Financing / Renovation
Reverse Mortgage
Reverse Mortgage
No employment needed
Applicant must be over 55 years of age
The applicant may choose to receive monthly income or lump sum payout
No need to make the monthly mortgage payment
Private Lending Investment
High yield, annual net income of 7% to 30%
◆ Low risk, secured against real estate High income, annual net income 7%-30%
◆ Flexible investment term, you may choose to renew or terminate investment upon the end of the term
◆ Professional brokers and lawyers provide one-on-one premium services