Property Tax Debt & Urgent Solutions
Private & Second Mortgages
Janice Mejias arranges second mortgages and private lending for Ontario homeowners facing property tax arrears, CRA debt, or urgent financial pressure, often closing within days rather than weeks.
Call 437-475-4838If you have equity in your home and pressure on your finances, a second mortgage or private loan can stop the bleeding. Property tax arrears, CRA debt, and penalty interest compound fast, and waiting makes every option more expensive.
This is urgent-lane lending. Private lenders qualify on equity first, which means bruised credit or unprovable income does not disqualify you. Janice moves quickly, explains costs plainly before you sign anything, and builds an exit plan so private money stays a bridge, not a destination.
What you get
Property tax and CRA arrears
Pay out government debt before liens and penalty interest escalate.
Equity-based approval
Private lenders qualify on your home equity first, credit and income second.
Days, not weeks
When timing is critical, private files can close in under two weeks.
Exit strategy included
Every private mortgage we arrange comes with a plan to refinance back to a mainstream lender.
How it works
Urgency triage
What is owed, to whom, and what deadline matters. We map it on the first call.
Equity and options review
How much equity you hold and which second-mortgage or private option costs least.
Fast close and exit plan
Funds advanced, debt paid out, and a 12 to 24 month path back to a bank rate.
Common questions
A second mortgage borrows against your home equity behind your existing first mortgage. It can pay out property taxes, CRA arrears, or urgent bills, stop foreclosure proceedings, and end penalty interest that compounds faster than the loan costs.
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A 30-minute call with Janice Mejias, Mortgage Agent Level 1, FSRA #13669. No fees, no pressure.
Call 437-475-4838