Please tell me what city do you live in? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
What Province are you in? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Are You Currently Renting? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Do you own a car? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Do you Own it or Finance it? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Can you please tell me your First and Last name? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Are you working with a Mortgage Agent or Another Rent to Own Company Now? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Link for the RTO Calendar: https://bit.ly/31qcN52

Affordability Check

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Now, how do we reach you?

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Is there a Co-Borrower applying with you? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Payment Calc

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{ binding firstError.message }
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{ binding firstError.message }
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Credit Consent Statement: 

Name, in accordance with our privacy policy and our obligations at law, HOS Financial process your credit report to collect, receive, retain, use and disclose personal information about you, for the purposes of: verification; assessing credit-worthiness; establishing credit limits; maintaining client relationships; presenting your application to various lenders and insurers and providing information to you about other products and services that may be of interest to you.

Do we have your content to pull your credit report?

https://my.equifax.ca/consumer-registration/?lang=en

{{ Cognito.resources['fileupload-dropzone-message'] }}
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Investor Mortgage Calculation

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Process Checklist

New Flow Process {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Admin Messaging

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The email has been sent.

Your progress has been saved.

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Please tell me what city do you live in? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What Province are you in? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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How soon would you like to move? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What's your total family income per year? (Before taxes) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What is your Primary source of income? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What's your target purchase price?* {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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About how much will you have for a down payment? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Are You Currently Renting? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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About how much rent are you paying now? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Do you own a car? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Do you Own it or Finance it? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What's Your Credit Score - Best Guess {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Your estimated monthly credit card and/or Loan payments? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Can you please tell me your First and Last name? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Are you working with a Mortgage Agent or Another Rent to Own Company Now? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Last Question, how did you hear about us? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Rate your client {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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RTOC Notes {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Affordability Check

Expense Item {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Value {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Expense Item {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Value {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Expense Item {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Value {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Expense Item {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Value {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Expense Item {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Value {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Property taxes {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Condo Fees  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Current Rent Payment {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Heating Costs {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Estimated Monthly Income  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

 

GDS Ratio Must Be Less than 39% {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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TDS Ratio Must Be Less than 44% {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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New RTO TDS Ratio Must Be Less than 48% {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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RTO Savings Component  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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New RTO Base Rent {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Now, how do we reach you?

What's your best Email? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What's your phone number? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Is there a Co-Borrower applying with you? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Is there anything you would like to share which will help us better evaluate your application? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Payment Calc

Your PTHO Program Session Date (First Monday of Each Month) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Your PTHO Program Deadline For the Next Session is (Last Thursday of Each Month) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Value of the Home You Can Afford in Our Program {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Down Payment Required {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Down Payment Factor Based on Credit Score {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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ADMIN Down Payment Required {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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ADMIN Down Payment Factor {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Estimated Total Monthly Rental Payment + Savings {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Estimated Total Monthly Rental Payment Factor {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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So the base rent wll be (Insurance & Taxes) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Base Rent Factor {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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With a savings component of  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Savings Component Factor {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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New RTO Payment Rent Payment  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Currently Rental Payment {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Rent Affordability = Payment Estimate - Rent Paying Now {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Percent Rent Increase  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Current Value of the Home You Can Afford In Our Program {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Program Appreciation Interest Rate {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Program Term in Years {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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FutureValueOfTheHomeBasedProgramAffordability {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Your Earned Equity Based on Program Appreciation {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

 

Current Value of the Home You Can Afford In Our Program {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Market Appreciation Interest Rate {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Market Program Term in Years {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Future Value of the Home Based on Market  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Your Earned Equity Based on Market Appreciation {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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The Difference With Our Program vs. The Market  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

 

Credit Consent Statement: 

Name, in accordance with our privacy policy and our obligations at law, HOS Financial process your credit report to collect, receive, retain, use and disclose personal information about you, for the purposes of: verification; assessing credit-worthiness; establishing credit limits; maintaining client relationships; presenting your application to various lenders and insurers and providing information to you about other products and services that may be of interest to you.

Do we have your content to pull your credit report?

https://my.equifax.ca/consumer-registration/?lang=en

Upload Full Credit Report - Under 60 Days Old  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{{ Cognito.resources['fileupload-dropzone-message'] }}
{binding Name, mode=oneTime}
{binding Description}
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Investor Mortgage Calculation

Mortgage Amount - % Deposit {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Percent Deposit {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Principal  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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R - Annual interest rate (decimal) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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N - number of times interest is compounded per time period {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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T - number of time periods {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Payments Per Year {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Amortization {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Payments {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Mortgage Amount {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Monthly Mortgage Payment {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Land Transafer Tax Estimate 1.8% {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Process Checklist

New Flow Process {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Admin Messaging

Admin Notes {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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HOS Program Status {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Processed By {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Partner Referral {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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24 Hour Reminder Email {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Down Payment Assistance Qualified {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Send Initial Program Deposit Link {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Schedule Your Orientation Session {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Looks Like You Are Mortgage Ready {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Send Program Benefits {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Program Session Closing Soon {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Send Loan Infor Link to Client  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Send Mortgage Candidate Terry {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Send RTO Program Agreement + IDP Payment Request {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Send Full RTO Program Application {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Do Not Qualify Based on Affodability  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Send credit report request {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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