Bogdan Petrov
Private mortgage · AI chat · 12 messages
Summary
Tier Cnegative
Post-discharge private-mortgage candidate — routed to David.
Intent: distressed
Outcome
QualificationCompleted
AppointmentNot booked
Assigned brokerDavid Kowalski
EscalationNot required
Linked opportunity
Open →Bogdan Petrov
North York, ON
Score 30/100 · not eligible
Transcript
Bogdan Petrov · Jul 16, 7:36 AM
Urgent — need money out of my house. Prior bankruptcy discharged 2020.AI assistant · Jul 16, 7:36 AM
Understood. Let's see what's realistic. Current mortgage and home value?Bogdan Petrov · Jul 16, 7:36 AM
$220K mortgage, house $620K.AI assistant · Jul 16, 7:36 AM
Solid equity. With prior discharge, A-lender is unlikely for now. B-lender depends on rebuilt credit. Private-lender is realistic even with recent discharge.Bogdan Petrov · Jul 16, 7:36 AM
What are private rates?AI assistant · Jul 16, 7:36 AM
Currently 9-12% + 1-3% lender fee. Higher than banks, but often bridges you to a B-lender or A-lender in 12-24 months.Bogdan Petrov · Jul 16, 7:36 AM
How much can I get?AI assistant · Jul 16, 7:36 AM
Private lenders will go up to ~75% LTV. That means total borrowing up to ~$465K. Minus your $220K existing = ~$245K additional.Bogdan Petrov · Jul 16, 7:36 AM
That could work.AI assistant · Jul 16, 7:36 AM
David Kowalski specializes in private and B-lender files. He'll be direct with you about pros/cons.Bogdan Petrov · Jul 16, 7:36 AM
Please.AI assistant · Jul 16, 7:36 AM
David will call bpetrov@shaw.ca and +14165550231 within 2 hours.