Building Your Vision With Confidence & Clarity

Straightforward financial results for homeowners, builders, and entrepreneurs.

At Nauta Home Designs, we believe that a great design is only as good as the plan to fund it. Whether you are building your dream custom home, adding a secondary suite, or navigating the complexities of self-employed lending, you need a financial partner who moves as fast as your project.

We partner with Jude Joinville, a veteran mortgage professional who specializes in bridging the gap between traditional banking and creative construction financing. Together, we ensure your project is backed by a solid foundation before the first shovel hits the ground.

Sometimes, the speed of construction outpaces the timelines of a major bank. For projects requiring immediate capital or bridge financing, Jude offers specialized 1st and 2nd private mortgages designed for maximum flexibility.

• Fully Open After 1 Month: Benefit from competitive rates without being locked into a long-term contract. Move to traditional financing as soon as your project milestones allow.
• Equity & Stated Income: Approvals are based on the equity of your property and stated income, making this an ideal solution for unique builds.
• No Hidden Fees: On standard deals, enjoy no lender fees and no renewal fees on your first renewal.
• Rental & Owner-Occupied: 1st mortgages are available for rental properties, while 2nd mortgages focus on owner-occupied homes.

A successful build starts with an honest budget. Many institutions offer "pre-approvals" that are simply rate guarantees. Jude’s process focuses on a Verified Pre-Approval to protect you from being left in a lurch mid-project.

• Income Qualification: Jude identifies your true borrowing power by verifying documents upfront—ensuring the bank won't pull back after you’ve already started the design process.
• Measure Twice, Build Once: Knowing exactly what you can afford allows the Nauta team to design your home within a realistic price range, preventing costly redesigns later.
• Financial Confidence: Move forward with land purchases or construction contracts knowing you are properly qualified.

Entrepreneurs have unique financial lives that traditional banks often don't understand. Jude works independently on your behalf to access a network of over 50 lenders who specialize in self-employed mortgages.

• Alternative Lenders: Access multiple institutions that offer favorable terms specifically for business owners.
• Passion for Success: Work with a partner who understands the value of your business and works to find options that fit your specific situation.
• End-to-End Support: From application to closing, Jude is on your side every step of the way to navigate the complexities of self-employed documentation.

For ground-up custom builds, Jude’s construction program uses a transparent Loan to Cost (LTC) model. This is the most straightforward way to fund a build because it is based on the actual reality of your project budget.

• Lending Up to 75%: Depending on your project’s location, Jude’s lenders will consider financing up to 75% of the total project budget.
• What is Included? The LTC model factors in the Land Value, the Soft Costs (Nauta’s design and permit fees), and the Hard Costs (labor and materials).
• Synchronized Funding: This program is designed to keep the process moving, ensuring cash flow is available when your builder needs it.

We don't just provide drawings; we provide a path to a completed home. By coordinating your design with Jude’s verified lending strategies, we offer a seamless experience for homeowners in Niagara, Hamilton, and beyond.

• Design-to-Budget Alignment: We work with Jude to ensure our designs match your 75% LTC lending threshold.
• Local Market Expertise: We understand local construction costs and market values, helping you maximize your investment.
• One Team, One Vision: Our partnership ensures that your designer and your lender are speaking the same language.

Ready to secure the funding for your project? Contact Jude directly to discuss private lending and construction loan options.

• Direct Cell: 905-941-5833
• Toll Free: 1-888-490-2160
• Email: jude@yourmtgagent.com
• Licensing: Verico One Mortgage Corp. FSRA Brokerage Licence #10460

Ready to see your vision on paper? Book a Free Consultation with the Nauta team. We will discuss your goals and help you connect with Jude to build your financial roadmap.