If you were wondering when a common sense mortgage was finally going to show up, it’s now.
Our name is Heartwood Financial Group.
Common sense mortgage lending is what we do.
There’s a reason we’re bringing common sense to lending.
One-size-fits-all underwriting is nonsense.
It misfits all.
By applying common sense and careful judgment, rather than rigid checklists, we find solutions that make sense—even when traditional lenders can’t.
We’re not for everyone. We’re for you.
We’re here to be transparent, reliable, fair. Consistent, responsive and responsible. So it’s only common sense that we look for the same qualities in the mortgage brokers we partner with.
We stand for your clients.
The multitude of responsible Canadians that banks dismiss as non-conforming. We’re here to help you give your clients the confidence of knowing that the answers banks give aren’t the answers they have to settle for.
What DOEs common sense lending look like?
Consistent documentation.
Stable funding for your deals.
A fast no. A firm yes. Transparency about each.
Script-free underwriters stewarding an application from “Hello” to “Congrats!”.
We could go on.
What’s better than common sense?
Consistent common sense.
From document requests to eligibility and valuation criteria, common sense will always make a personal appearance. If it ever leaves the building, we expect you to tell us.
We have stable access to funds, to fund deals quickly, reliably, and at scale. Over and over.
Our funding
Prepare for service that combines extreme patience with extreme decisiveness.
OUR SERVICE
Every borrower is one of a kind.
All Heartwood Underwriters are the same.
Listeners. Responders. Uncomplicators.
Our Underwriters
There’s a reason our name is Heartwood
The heartwood is the innermost part of a tree.
The strongest, most resilient part.
We fund the heartwood in borrowers.