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					       FULL SPECTRUM MORTGAGE FINANCING                                                                                                           RESIDENTIAL & COMMERCIAL                                                          1 st & 2 nd MORTGAGES                                              FULL SPECTRUM MORTGAGE FINANCING
                                                                                                                                                         MORTGAGES                                                             FOR BUILDERS & DEVELOPERS

                                                                                       Victoria BC V8Z 3L3
                                                                                       3378 Douglas Street
                                                                                                        FISGARD CAPITAL CORPORATION
                                                                                                                                       FISGARD LENDS ON                                                                2nd MORTGAGES

                                                                                                                                       •    residences, including duplexes, triplexes                                  Fisgard takes 2nd mortgage positions. We have a
                                                                                                                                       •    multi-family strata and rental property                                    wide variety of lending options because we lend our                                     1st & 2nd
                                                                                                                                       •    resort and recreation property                                             own money and make our own decisions. We are
                                                                                                                                       •    manufactured and mobile homes                                              flexible because we are not limited by tradional bank
                                                                                                                                       •    shopping centers, hotels and motels                                        restrictions.
                                                                                                                                       •    office buildings                                                                                                                                                   MORTGAGES
                                                                                                                                       •    seniors housing                                                            WE MAKE THINGS WORK.
                                                                                                                                       •    residential subdivision development
                                                                                                                                       •    warehouses and mini-storage facilities                                                                                                                                  FOR
                            Quality Service Since 1967

                                                                                                                                                                                                                                                                                                       BUILDERS & DEVELOPERS

                                                                                                                                                                                                                       LOAN-TO-VALUE RATIO

                                                                                                                                                                                                                       In addition to our conventional and high-ratio insured
                                                                                                                                                                                                                       mortgages, Fisgard is an equity lender. Our equity
                                                                                                                                                                                                                       requirement is loan-specific and depends on the

                        Toll-free: 1-866-384-1498
                        Fax: 250-384-1498
                        Toll-free: 1-866-382-9255
                        Tel: 250-382-9255

                                                         Victoria BC V8Z 3L3
                                                         3378 Douglas Street
                                                         Fisgard Capital Corporation

                                                                                                                                                                                                                       circumstances. We assess equity requirement on a
                                                                                                                                                                                                                       case by case basis.

                                                                                                                                       DEALING WITH FISGARD YOU CAN COUNT ON
                                                                                                                                                                                                                       The roadblock to builder/developer productivity is
                                                                                                                                       •    plain-language commitments and contracts                                   the slowness, complication and expense of the
                                                                                                                                       •    prompt response to mortgage applications                                   financing process.
                                                                                                                                       •    short approval and processing timelines
                                                                                                                                       •    reasonable rates and terms                                                 FISGARD REMOVES THAT ROADBLOCK.

                                                                                       February 2009

                                   1 st & 2 nd MORTGAGES                                                                                                                                                                                                                                                    PROFESSIONAL NON-BANK
                        FOR BUILDERS & DEVELOPERS                                                                                          Hali Strandlund           Callum Greig             Rafer Strandlund            Jason Strandlund             Dawn Paniz            Sonny Strandlund               MORTGAGE MONEY
                                                                                                                         SPECIAL SITUATION LENDING                                   EQUITY-BASED LENDING

The progressive mortgage lender is                          TOTAL CONSTRUCTION & DEVELOPMENT FINANCING          RESIDENTIAL and COMMERCIAL mortgages for                  In addition to our conventional and high-ratio
the FULL SPECTRUM LENDER. A                                                                                                                                               insured mortgage lending Fisgard is also an
Full Spectrum lender such as Fisgard                        No longer does a developer or builder need to          •   property purchase and refinancing                  established equity-oriented lender of residential
provides short and long-term                                shop for a particular lender to finance the            •   new construction and renovation                    and commercial 1st and 2nd mortgages. We do
residential and commercial 1st and                          purchase of a property, another to finance the         •   land assembly and development                      not work in a box. We are accessible and fast.
2nd mortgages for all purposes. Full                        development, another to finance the construction,      •   mezzanine and inventory financing                  Over the past forty years we have financed
Spectrum Financing is the one-stop                          and another to finance the buyer of the finished       •   bridge and equity financing                        thousands of mortgages of all types and sizes.
shop for anyone needing a mortgage                          product. Fisgard provides the entire range of
of any kind.                             Wayne Strandlund   mortgages, so the borrower doesn’t have to shop     SPECIAL SITUATION LENDING                                 We tailor each mortgage to the borrower’s needs.
                                                            all over the place, wasting time and incurring                                                                Since we make all decisions in-house we can act
                                                            repeated fees and other costs. At Fisgard we        Banks and other strictly conventional lenders finance     quickly. Our turnaround time for approvals is often
                                                            finance the                                         within a very narrow framework, often denying             as short as twenty-four hours.
Once you have enjoyed the tremendous saving of time                                                             borrowers financing for perfectly sound deals simply
and money that Full Spectrum Financing offers, you will       •   land purchase                                 because the deals fall out of the conventional box.       Payments may be interest only, or a payment
never look back. It is the only way to go.                    •   servicing of the land                         This is where Fisgard steps in. We been handling          reserve account may be set up.
                                                              •   construction of the buildings                 these situations successfully for many years.
                                                              •   purchase by the end buyer                                                                               POPULAR MORTGAGE PRODUCTS
Fisgard’s friendly professional lenders know how
important it is for borrowers to have direct access to                                                          We serve borrowers that require specialized lending       Fisgard provides mortgages for:
decision makers. When you talk to a Fisgard                 Fisgard’s TOTAL PACKAGE financing saves             knowledge in construction, development, inventory,
underwriter you are talking to a decision maker.            builders and developers thousands of dollars of     bridge and equity financing. We are experienced at          • residential and commercial construction
                                                            interest and valuable time.                         financing non-conventional mortgage situations. Our         • land development
Save time and money by dealing with courteous                                                                   popularity is the result of steady reliable performance     • mezzanine financing - to get projects started
lenders who are fast and efficient and who have             Many builders and developers have forged good       and down to earth common sense lending.                     • inventory financing - to allow builders and
helped Canadians buy, develop, build and renovate           relationships with Fisgard and enjoy prompt                                                                       developers to get on with their next projects quickly
residential and commercial property since 1967.             quality service. Our progessive draw system is      With over forty years of construction and development       • bridge financing - to help buyers of property
                                                            popular with builders and developers who need       experience we can assess complex mortgage                     whose purchase must complete prior to the
                                                            1st and 2nd mortgage money. They receive draws      situations and make decisions quickly. Builders and           close of the sale of their existing property
                                                            promptly and pay interest only on amounts           developers have direct access to decision makers.           • equity and inventory financing - to free up
     FOR ALL YOUR MORTAGE NEEDS, CALL FISGARD.              drawn, saving thousands of dollars of interest.     When you talk to a Fisgard underwriter you are                equity capital for other ventures
                                                                                                                talking to a decision maker.

            FOR MORE INFORMATION VISIT                                         TOTAL PACKAGE                    CALL NOW TO DISCUSS YOUR MORTGAGE REQUIREMENT                                TIME IS MONEY
                  FISGARD.COM                                            CONSTRUCTION FINANCING                 Victoria (250) 382-9255 or Toll Free 1-866-382-9255                      WE DON’T WASTE IT

   Fisgard is a proud member                                          40 YEARS OF HELPING
   of the Better Business Bureau                                    CANADIANS BUY AND BUILD
                                                                                                                RESIDENTIAL & COMMERCIAL MORTGAGES                                1 st & 2 nd MORTGAGES

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