CMLS Financial | Canada's Mortgage Company

WHO WE ARE
Customer Forward Thinking.^TM

CMLS Financial is one of Canada's largest independently owned mortgage services companies. Founded in 1974, we are proud to be Canada's Mortgage Company™ for over 45 years.
WHAT WE DO
Customer Forward Thinking.^TM

With offices across the country, we provide a wide range of commercial lending services, residential real estate mortgages and institutional services.
OUR THINKING
Customer Forward Thinking.^TM

What differentiates us from other mortgage providers in the industry is our Customer Forward approach. Whether you're a residential homeowner, commercial borrower, institutional investor or funding partner, Customer Forward is our promise to put your needs ahead of our own.
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The Mortgage Commitment

Loan Review Documents

Your Commitment Letter / Loan Agreement is more than a document; it’s a contract that outlines the ongoing commitment between you, the borrower, and the lender.

This comprehensive contract encompasses specific clauses focused on the loan review process and contract compliance requirements including submission of financial documents and compliance forms. Ensuring compliance with your loan obligations, including CMHC Certificate of Insurance requirements, is key to maintaining the good standing of your mortgage.

Essential Loan Review Documents

Outlined in your commitment letter are specific documents required for the review. These typically include:

Financial Statements (Corporate Entities) and/or Personal Net Worth Statements (Individuals): These are expected from all named parties to the loan including Borrower(s) and Guarantor(s).

Operating Statements and Current Rent Roll: These need to be property specific.

CMHC Certificate of Insurance (COI) Compliance Certificates:

Affordable Housing Covenant Compliance Certificate
Healthcare Facility Compliance Certificate
Capital Repairs and Replacement Covenant Compliance Certificate
Condo Clause Compliance Certificate
Equity Retention Compliance Certificate (General/Ring Fencing)

Commercial or Multi-Famil

Commercial or Multi-Famil

CMHC COI Annual Compliance Certificate Templates & Other Resources

The following templates can be downloaded below, as applicable, to assist you

All compliance certificates and financial reporting should be sent to financialstatements@cmls.ca

Affordable Housing Covenant Compliance Certificate

Healthcare Facility Covenant Compliance Certificate

Capital Repair and Replacement Covenant Compliance Certificate

Equity Retention-General Compliance Certificate

Condo Clause Compliance Certificate

Equity Retention-Ring Fencing Compliance Certificate

Personal Net Worth Statement

Frequently Asked Questions: Annual Document Submissions

Talk to CMLS Financial Today

We invite you to learn more and to ask how we can be of service to you.

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info@cmls.ca

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WHO WE ARE
Customer Forward Thinking.^TM

CMLS Financial is one of Canada's largest independently owned mortgage services companies. Founded in 1974, we are proud to be Canada's Mortgage Company™ for over 45 years.
WHAT WE DO
Customer Forward Thinking.^TM

With offices across the country, we provide a wide range of commercial lending services, residential real estate mortgages and institutional services.
OUR THINKING
Customer Forward Thinking.^TM

What differentiates us from other mortgage providers in the industry is our Customer Forward approach. Whether you're a residential homeowner, commercial borrower, institutional investor or funding partner, Customer Forward is our promise to put your needs ahead of our own.
FRENCH
CAREERS
LOGIN