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Lenders

Protect Your Loans, Empower Your Clients

Turn Bridge Loan Risk Into Your Competitive Advantage

Bridge loans help clients move forward with confidence. But buyer defaults create cascading problems that put your loans—and your clients —at risk.

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The Problem You Face Every Day

When a buyer defaults, problems arise:

  • Your client's equity remains locked in the property, straining their ability to meet obligations
  • Loan-to-value ratios deteriorate as carrying costs mount
  • Debt service coverage becomes stressed
  • You are left to navigate extensions, additional fees, and contingency planning

Defaults happen multiple times daily across Canada, and deposits offer little protection when your clients need it most.

SecureMyOffer Protects Bridge Loans

SMO is closing insurance that transforms how bridge loans perform during buyer defaults. Our coverage creates a safety net that protects your loan and your client.

Protected Debt Service Coverage
All carrying costs—including loan payments, property taxes, and insurance—are covered during the default period. Your payments continue without interruption, maintaining healthy DSC ratios.
Secured Position on Title
We work through forbearance agreements, leaving you on title while we manage the default process. Your security is safe.
Better LTV Ratios
Our policy coverage reduces your loan-to-value exposure. With comprehensive coverage up to the policy limit, your effective LTV improves significantly—giving you more security and flexibility.

Comprehensive Protection That Works With You

Emergency Equity Advance

Immediate deployment of capital up to the policy limit so they can complete their next transaction

Covers Carrying Costs

Mortgage payments, taxes, utilities, and vacant dwelling insurance during the claim period

Property Value Guarantee

Covers a lower resale price up to policy limits

Zero Distressed Sales

Professional restaging and remarketing minimizes loss exposure
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Legal Recovery Services

We pursue defaulting buyers and recover deposits
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Upside Protection

Sellers keep profit if resale exceeds original price

Customized for Bridge Lenders:

Reduce risk

All bridge loan obligations are covered during default period

Protect your Balance Sheet

SecureMyOffer reduces lending risk and debt service ratios

Supported by Lenders

Lenders can purchase the policy to protect their loans and build it into refinancing costs.

Comprehensive Protection That Works With You

357 Main Street
Buyer Delays Closing by 10 Days
Sale Price
$700,000
Existing Mortgage
$350,000
Bridge Loan
$200,000*
Without SecureMyOffer
  • × Bridge loan extension becomes stressed
  • × Seller scrambles for private contingency loan at 2% fee + 10% interest
  • × Disputes over who pays carrying costs risk further delays
  • × Relationship strain as costs mount
With SecureMyOffer Policy
  • ✓ $70,000 emergency equity advance eliminates extension stress
  • ✓ All carrying costs including bridge loan payments covered
  • ✓ Additional legal costs ($500) covered by policy
  • ✓ We handle buyer negotiations—zero stress for your client
  • ✓ Your loan performs exactly as planned

How It Works

1

Application

You, your client or the lender applies online, within 10 days of firm offer acceptance

2

Issuance

Policy issued (minimum 14 days before closing)

3

Claim Filing

If buyer defaults, claim filed online in 5 minutes

4

Rapid Response

Emergency equity advance deployed quickly

5

Management

We manage property remarketing and legal recovery

Success

Your loan stays protected throughout

The Math That Matters

Typical Bridge Loan Scenario:

Metric
Without SMO
With SMO Policy
Sale Price
$700,000
$700,000
Existing Debt
$400,000
$400,000
Bridge Loan
$200,000
$200,000
LTV
85.71%
Effective 75%
Policy Coverage
$0
$140,000
Your Risk Exposure
High
Protected
Coverage includes:
✓ $10,000 restaging
✓ $35,000 carrying costs
✓ $95,000 value protection

Close More Deals With Confidence

  • Approve bridge loans with greater confidence
  • Reduce your risk exposure on high-LTV loans
  • Help clients move forward without fear
  • Build your reputation as the lender who protects clients

Improve Your Value Equation

Add meaningful protection that costs your clients less than alternative risk mitigation strategies.

Let's Protect Your Loans Together

Give your clients peace of mind and strengthen your loan performance with SecureMyOffer.
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