We could not qualify for a mortgage at the banks. We also contacted lots of mortgage brokers and could not get us qualify despite we had a healthy down payment. I was working out of the country and I want my family to have a stable home. One Saturday my wife and I attend a free seminar by The Canadian Home Ownership Group and after that the rest was history. After 45 days our family settled in our first home in Canada. The made the process so simple and give full support throughout the process. Thank you very much.