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This couple needed to refinance a 2 bedroom, 730 sq. ft semi-detached home in Lively, Ontario to payout an existing first mortgage with a Credit Union, property taxes, consumer proposal balance and a couple of collections. Client has NOA income of $46,000 per annum. Common law partner will be signing as consenting spouse as the partner is still fighting with WSIB for benefits payments. Exit is to rebuild credit and move to conventional financing in 2 years.