1-855-SAN RATE (726-7283)

Financial Rescue/ Debt Relief

Are you struggling to pay your mortgage?

If your income has been reduced due to COVID-19 impact and you are behind on your mortgage or expect to fall behind due to financial hardship, our Emergency Mortgage Assistance (EMA) program can help you stay current with your payments.

SAN EMA is a fully open, fixed-rate loan for eligible homeowners who are having trouble making their mortgage payments.

Contact us at 1-855-SAN RATE (726-7283) or online to discuss your options for residential emergency mortgage loans.


At SAN Mortgages we offer different types of debt solutions depending on your financial and life situation. While there are many options, the key is identifying the best option for you based on your unique financial situation and goals. Your best first step towards financial recovery would be to contact us at 1-855-SAN RATE (726-7283) or online at for a no-obligation confidential consultation. Our accredited counsellor will provide you with more information on our programs and advise you as to which program would be the best to meet your and your family’s financial goals.

At SAN Mortgages, we specialize in Debt Consolidation, Debt Management Plan and Debt Settlement programs. 



Call us at 1-855-SAN RATE (726-7283) or get started online to discuss your particular situation and we can advise the best way to save you money, reduce your payments and provide you with peace of mind. You could be just minutes away from your debt relief.

Debt Consolidation

One of the most popular features of our debt relief solutions is debt consolidation. Debt Consolidation is a financial solution that combines multiple bills and debt payments into a single monthly payment at the lowest interest rate possible. 

The ultimate goal of debt consolidation is to lower your interest payments, have one convenient monthly payment and pay more towards the principal so you can pay off your debt quicker. Consolidating your debt can actually save you money. 

You can lower your total monthly payments by unlocking up to 85 % of your home’s value and use your mortgage equity to pay off your unsecured debts (like credit cards, store cards, unsecured personal loans and line of credits, tax) and bills sooner and at a lower rate.

By using your home equity to consolidate your debt, you can improve monthly cash flow, have one easy monthly, smaller payment, low interest rate, and be debt-free quicker.

Our Debt Consolidation Strategies are:

  • Secured Lines of Credit Programs for up to 65 % of your home value
  • Home Equity Line of Credit (HELOC) for up to 65 % of your home value
  • Equity-Based Second Mortgages or Home Equity Loan for up to 85 % of your home value
  • A new mortgage program with restructured home equity up to 80 % of the value of your home

Whether you’re struggling to pay down a high-interest credit card or other debt and bills or just want to use your money more wisely, debt consolidation may be a good option for you. There are a few different ways you can accomplish that.

If you’re having trouble making ends meet, call us at 1-855-SAN RATE (726-7283) or get started online for a free analysis of your financial situation. 


Let’s get started, get help now!

Debt Management Plan

Paying multiple creditors – each with different due dates – can be time consuming and stress inducing. With our Debt Management  Plan, you make only one consolidated debt payment to us and we handle the payments to each your creditor. Our certified credit counselors will work with your creditors to negotiate a reduction of the interest rate on the existing debt and lower monthly payments.  Depending on the creditor, we may also be able to get them to waive all your late fees, all your penalty fees, and work with them to help bring your accounts back to “current status” as soon as just a few months. 

If your debt has gotten out of hand and you’re struggling to pay down high-interest credit cards and other debt and bills, then Debt Management Plan may be the right solution for you.  

Call us at 1-855-SAN RATE (726-7283)  or get started online for a free analysis of your financial situation. 


 Let’s get started, get help now!

Debt Settlement

Our Debt Settlement programs can save you time and stress as our trained credit councilors deal with creditors on your behalf.  Our Debt Settlement program is designed to reduce your debt for less than you currently owe with an affordable monthly program payment that is within your budget. Your accredited credit advisor will create a Debt Settlement plan this matches your affordability based on your financial profile and will negotiate a reduced payment to creditors – writing off a proportion of your debt.

If you are in need of help with your debt and weighing your options, give us a call and we can help you determine if debt settlement is right for you.

Call us at 1-855-SAN RATE (726-7283) or get started online for a free analysis of your financial situation. 


 Let’s get started, get help now!