Tembo Financial

Skeletons in the CRM? 💀

Arlen Ekstein, VP Sales and Marketing at Tembo Financial, is talking about the files brokers keep scrolling past: too much unsecured debt, a credit score that took a hit, ratios that stopped working at the bank, or a flat-out decline.

The file stopped moving, but the client’s problem didn’t. Balances may have kept growing, and the renewal date is getting closer.

Arlen’s advice: search the CRM for declines, high-ratio files and clients who went silent, then pick up the phone. Lead with customer service and show the client their problem still matters.

Have a tricky file worth bringing back to life? 🦇
Call Tembo Financial at 416-238-6717 or visit www.tembofinancial.com

Read the full blog: https://www.tembofinancial.com/2026/10/06/skeletons-in-the-closet-bring-old-mortgage-files-back-to-life/

All applications are subject to Tembo Financial’s underwriting criteria, satisfactory documentation, property review, available equity and fulfillment of all funding conditions.

FSRA Lic. #12598

What's hiding in the back of the CRM?? 💀

Every mortgage broker has a few skeletons in the closet. Not bad clients, just files that stalled: declined by the bank, ratios too high, renewal pending, or a client who went quiet.

Those files don't stop accumulating interest. Balances keep growing and the renewal date keeps getting closer.

Many of these files belong to strong homeowners with real equity. A Tembo debt consolidation second mortgage may help pay out high-interest debt and create time to prepare for renewal, with a clear exit planned from the start.

This October, open the closet and dust off those files. 🦇

Read the full blog: https://www.tembofinancial.com/2026/10/06/skeletons-in-the-closet-bring-old-mortgage-files-back-to-life/
Or call Tembo Financial at 416-238-6717 | www.tembofinancial.com

All applications are subject to Tembo Financial's underwriting criteria, satisfactory documentation, property review, available equity and fulfillment of all funding conditions.

FSRA Lic. #12598

Bankable client. Short-term problem.

Even strong clients can hit a temporary obstacle: recent self-employment, debt ratios that are temporarily elevated, deposit and closing dates that don't line up, or credit that needs a few months to recover. The client is still bankable. The file just isn't bank-ready yet.

A short-term Tembo solution may help bridge the gap, with a clear exit back to bank financing planned from the start. Keep the client. Solve the problem. Return to the bank.

Read the full blog at https://www.tembofinancial.com/2026/09/17/bankable-clients-short-term-problems-where-tembo-fits/ or call 416-238-6717 to talk through a file.

All applications are subject to Tembo Financial's underwriting criteria, satisfactory documentation, property review, available equity and fulfillment of all funding conditions.

The strongest files in a broker's fall pipeline are usually already in the database. Three worth reopening before January.

Tembo lends against the equity clients already have, with deal feedback in as little as an hour and rush files funded within 48 hours.

Read the full blog at https://www.tembofinancial.com/2026/09/09/three-files-worth-reopening-this-fall/ or call Tembo Financial at 416-238-6717.

FSRA Lic. #12598

The strongest files in a broker's fall pipeline are usually already in the database.

The client whose cash flow didn't survive the summer. The listing that sat and never sold. The renewal landing inside the next twelve months. None of them are new leads, and all three have a reason to move now rather than in January.

Tembo advances funds against the equity clients already have, often within 48 hours, with approval based on the equity rather than a flawless credit profile.

Read the full blog at https://www.tembofinancial.com/2026/09/09/three-files-worth-reopening-this-fall/

or call Tembo Financial at 416-238-6717.

FSRA Lic. #12598

Bond yields in Washington. Mortgage rates in Ontario. Closer than you think.

Tembo breaks down what is really moving markets right now: why 80% of our exports heading south still shapes what Ontario families pay, why a fight over long term U.S. bond yields matters no matter what the Bank of Canada does, and why Canada's fastest quarterly growth since 2004 is resilience, not immunity.

Have a private deal on the go? Call Tembo Financial at 416-238-6717 or visit www.tembofinancial.com

FSRA Lic. #12598

Tembo's got news 🐘

Tomorrow morning, Arlen Ekstein sits down with Jessica Amorim and Robert DiPaolo of Manulife Bank for a full hour on Manulife One deals.

The file works on paper. Then unsecured debt or a beacon score gets in the way. That's the whole session: what the niche programs can and cannot do, where good files stall, and two real deals walked through start to finish.

Thursday, August 27 at 11:00 AM ET. Seats are still open 👇
78432bb0-a96f-41a8-8dd4-bb105d1b8ee8@261f217a-01f1-43fd-8ad3-524965edaaf7" rel="ugc" target="_blank">https://events.teams.microsoft.com/event/78432bb0-a96f-41a8-8dd4-bb105d1b8ee8@261f217a-01f1-43fd-8ad3-524965edaaf7

The fall listing season is won in the summer.

The homes that list well in the fall aren't the ones that started getting ready in the fall. They're the ones that did the renovation work over the summer.

A kitchen refresh, an update to the primary bathroom, some attention to the landscaping. Work like this takes several weeks, so a client who waits until the fall market is already underway has likely missed the window.

A Tembo renovation loan advances the funds against the equity already in the home, often within 48 hours. No income verification in many cases. No monthly payments.* The work happens now, and Tembo is repaid from the proceeds when the home sells.

Got a client thinking about a fall sale? Now is the time to get the home ready.

Read the full blog at www.tembofinancial.com or call Tembo Financial at 416-238-6717.

*Subject to qualification

The fall listing season is won in the summer.

The homes that list strong in September aren't the ones that started getting ready in September. They're the ones that did the work over the summer.

A Tembo renovation loan advances funds against the equity already in the home, often within 48 hours. No income verification in many cases. No monthly payments.* The work gets done now, the home lists strong in the fall, and Tembo is repaid from the proceeds when it sells.

Got a client thinking about a fall sale? Now is the time to get the home ready.

Read the full blog athttps://www.tembofinancial.com/2026/08/19/renovation-loans-heading-into-fall-what-ontario-brokers-should-set-up-now/
or call Tembo Financial at 416-238-6717.

*Subject to qualification