InstaFund Financial (Commercial) Can Access All CMHC Lending Programs Canada Mortgage and Housing Corporation ("CMHC") offers low-cost/high-ratio financing to owners and developers of residential housing. CMHC-insured loans effectively become guaranteed by the Government of Canada. As a result, total borrowing cost is usually less than borrowing from conventional sources. Access to CMHC Programs InstaFund Financial (Commercial) is a CMHC-correspondent and has access to all CMHC lending programs. High-ratio construction financing (up to 90% of cost) Term Loans for Apartment Buildings and Townhouse Projects Non-recourse lending to non-profit housing societies, church-groups, charities, etc. Senior’s Housing including Congregate and Intermediate Care Facilities RRAP Financing to convert or improve rental housing