Mortgage Brokers
Join the ranks of hundreds of brokers who have partnered with RAM MIC.
Accelerate deal closures and expedite the flow of funds to your clients by leveraging our flexible and efficient application and underwriting processes. Our streamlined approach is designed to minimize delays, reduce complexities, and ensure a seamless experience from start to finish. With the added support of our dedicated in-house legal team, we are able to address any legal considerations swiftly, ensuring that each transaction is handled with precision and care. This enables you to focus on what matters most—delivering value to your clients while closing deals faster and more effectively.
Where we lend
We fund first and second mortgages on single-family, multi-family homes, and select commercial properties in the Greater Toronto Area (GTA) and urban markets across Southern Ontario with populations over 50,000. All properties are appraised by accredited professionals to ensure precise valuations.
What we offer
→ Easy, quick application process
→ Respectful, reasonable underwriting
→ Approved funding in 2 to 5 business days
→ Up to 75% loan-to-value (LTV) ratio
→ Up to 12-month terms
→ Monthly interest-only payments
Solution Provider
We're problem solvers
Unlock solutions for challenging lending scenarios with flexible underwriting that prioritizes the property over the borrower. This approach allows your clients to avoid declines due to factors like self-declared income, high GDS/TDS ratios, low credit scores, or poor credit history. We also offer cross-collateralization options, enabling clients to leverage the value of multiple properties under a single mortgage contract.
Bankruptcy?
Your clients don’t have to pause their financial progress. We don’t impose waiting periods or require a bankruptcy discharge to proceed with their application.
Solution Provider
We see your clients’ needs
We understand the diverse needs of your clients. Whether they are self-employed, new to Canada, bridging to a new home, refinancing a mortgage, renovating their property, consolidating debt, transitioning to a new job, or investing in professional development, we are here to offer customized solutions to help them achieve their goals.
Business Development Team
Leverage our business development expertise
info@ramgroupinternational.com | 647 828 2406