Have you ever felt like you’re spinning plates, trying to keep everything balanced but fearing one might drop? That’s how Sally felt—until she found a way to take control of her finances and her future.

Sally is a hardworking single mom juggling two jobs to support her home and financial life. With two almost grown children—one preparing to move out soon and the other in a few years.

Sally was doing everything she could to keep up with the rising cost of living.

Despite her best efforts, the financial pressure began to mount. Sally turned to credit cards and her line of credit to make ends meet. The weight of this debt became overwhelming—not just financially but mentally and spiritually.

Even though Sally managed to keep up with her minimum payments, the cycle felt endless. That’s when we connected, and together, we explored a solution.

By leveraging the strength of her financial file and the equity in her home, I was able to refinance her mortgage. This allowed us to pay off her debts and establish a much-needed emergency fund. While Sally’s income didn’t meet today’s standard qualifying ratios, the file’s overall strength and low loan-to-value gave us room to secure approval with an exception to the ratios.

The final outcome wasn’t the lowest rate on the market, but it was exactly what Sally needed. Her monthly payments became manageable, her debts were cleared, and she could breathe easy knowing she had a financial safety net in place for the first time in a long time.

This experience is a reminder that mortgages are more than just rates. Sometimes, a slightly higher rate can unlock the flexibility needed to secure an approval and achieve peace of mind. For Sally, this meant stepping off the financial treadmill and finding stability for her family’s future.

If you’re feeling the weight of financial stress, let’s talk. Together, we can explore options to bring you back to solid ground—just like we did for Sally. I’m here to help.

Note: The stories are real, but the names are changed to preserve discretion.