The Founder Of Trillium Mortgage

Frank Manzo

Frank Manzo Licensed Ontario Mortgage Broker Since 1989

Trillium Mortgage, established in 1989 by Frank Manzo, stands as a beacon of financial empowerment for clients across Ontario. As a licensed Mortgage Broker in Ontario, Frank Manzo founded Trillium Mortgage with a mission to provide an alternative choice for clients facing rejection from traditional banks.

Our commitment to clients extends beyond the conventional, offering solutions for individuals who have experienced challenges such as bad credit, unprovable income, and even those in power of sale situations. At Trillium Mortgage, we believe in the potential of every client and work tirelessly to secure first, second, and third mortgages tailored to individual needs.

What sets us apart is our dedication to offering the lowest rates and fees for all clients. We understand the diverse financial landscapes our clients navigate, and our goal is to make mortgage solutions accessible and affordable. Trillium Mortgage is more than a financial service; it's a trusted partner on your journey to securing the best mortgage terms and achieving your homeownership dreams.

Choose Trillium Mortgage for personalized service, financial expertise, and a commitment to turning obstacles into opportunities.


Residential Mortgage Solutions

Owner Occupied

Trillium Mortgage is your dedicated residential mortgage broker in Ontario, designed for individuals and families who may struggle to meet the strict criteria of traditional lenders. We specialize in offering B lender financing options for a range of properties, including single-family homes, townhouses, and condominiums. Additionally, we provide conventional first, second, and third mortgages, as well as private mortgage solutions based on property equity.

If you face hurdles like poor credit, unverified income, or income tax arrears, we're here to help. Our extensive services can help pave the way to homeownership. Contact us today to discover how we can assist you in achieving your property ownership aspirations.

HELOC Home Equity Line Of Credit

Trillium Mortgage has over 30 years of experience assisting Ontario homeowners in securing Home Equity Lines of Credit (HELOCs), even those with challenging credit situations. We understand the obstacles that can make it difficult to qualify for traditional financing, such as unfiled taxes or undocumented cash income.

Our expertise includes arranging 1st, 2nd, and 3rd HELOCs for homeowners in need of flexible credit solutions. If you're looking for a knowledgeable Ontario mortgage broker that works with both B lenders and private financing, contact us today. We’re dedicated to helping you secure a HELOC tailored to your financial needs.

Self Employed Mortgage Solutions

Trillium Mortgage has over 30 years of experience helping self-employed borrowers in Ontario secure mortgages, even with bad credit. We understand the financial hurdles of running a business, such as unfiled taxes, unverifiable cash income, or insufficient earnings, which can complicate mortgage approval.

We specialize in arranging 1st, 2nd, and 3rd mortgages for the self-employed. If you're looking for an experienced Ontario mortgage broker skilled in navigating both B lender and private mortgage solutions, contact us today. We're here to help you obtain a private mortgage tailored to your needs.


Trillium Mortgage offers land mortgage solutions in Ontario for parcels of any size. We specialize in securing mortgage financing on land and acreage, accommodating borrowers with challenges such as bad credit, insufficient, or unverifiable income.

We work with B lenders and can arrange private mortgages on land, providing the flexibility needed in qualifying. If you need adaptable financing options for land mortgages, contact us today to learn how we can assist you.


Trillium Mortgage offers financing options for mobile homes up to 70% loan-to-value if the home is fixed to a foundation. Please note, this option is not available on native reserves.

Additionally, we can arrange mortgages for mobile homes situated on leased land, with financing available up to 60% loan-to-value. This option is also not available on native reserves.

Explore our tailored mortgage solutions designed to meet the unique needs of mobile home owners.


We can arrange construction financing in Ontario for up to 65% of the current value of the property (land and existing structures). Once the initial construction financing funds are depleted, a reassessment can be performed and additional funds can be released. The additional funds that will be available will be the difference between 65% of the new value less the amount already released .If you are looking for a construction mortgage in Ontario, we may be able to help even if you have insufficient income, bad credit and mortgage payment arrears.

We offer private construction mortgages and can even offer a second construction mortgage.


Renovate with confidence with Trillium Mortgage's tailored financing solutions. We're here to turn your vision into reality with our 1st and 2nd Private Renovation Loans, offering up to 80% loan-to-value for your projects. Enjoy the flexibility of interest-only payments, ensuring your financial comfort throughout the renovation process.

For Homeowners

Whether you're updating your kitchen, adding a new room, or completely transforming your property, our renovation loans are designed to suit your unique needs. With financing available up to 80% of your home's value, your dream renovation is within reach.

For Contractors

Elevate your service offerings with Trillium Mortgage. Provide your clients with an attractive financing option for projects over $20k, allowing them to proceed without financial strain. Partnering with us means giving your clients the power to make their dream renovations a reality, without compromising on quality or scale.

Discover the potential of flexible financing. Transform your space with Trillium Mortgage.


Trillium Mortgage offers solutions for those in Ontario seeking a mortgage post-bankruptcy with the help of private lenders. Typically, conventional lenders require a 5%-10% down payment and insist on re-established credit following bankruptcy, including the maintenance of at least two trade lines (credit cards, lines of credit, loans) for a minimum of two years.

However, Trillium Mortgage partners with private lenders who streamline this process. These lenders may bypass the credit re-establishment requirement and can offer a mortgage immediately after your bankruptcy discharge. They cater to clients with unverifiable or insufficient income, though a 15%-20% down payment is needed for security purposes, and their interest rates are adjusted to reflect the borrower's risk.

With 15%-20% down, you could secure a mortgage shortly after bankruptcy discharge. Reach out to Trillium Mortgage to discuss your mortgage options via private lending.


"Power of Sale" and "foreclosure" are terms often used interchangeably, but they refer to legal processes lenders may initiate when a borrower fails to make their mortgage payments. While both result from payment defaults, each follows different legal protocols.

At Trillium Mortgage, we specialize in helping Ontario residents navigate these challenging situations. If you are dealing with mortgage arrears or find yourself in the midst of power of sale proceedings, we can provide tailored mortgage solutions.

We arrange power of sale and foreclosure mortgages up to approximately 75% loan to value—meaning we can offer financing that covers up to 75% of your property’s value.

Our services are especially valuable if you face financial challenges such as unverifiable income, bad credit, income tax arrears, or property tax arrears. Even if you are several mortgage payments behind, we are here to assist.

Don’t wait until it’s too late. If you are currently in a power of sale or facing foreclosure, contact a Trillium Mortgage Agent immediately. With decades of experience, we are equipped to find the best rates and solutions for all your mortgage needs.



Explore the potential in farming and land development with assurance, as Trillium Mortgage stands ready with our extensive network of over 300 private lenders across Canada and the USA. We enable you to access up to 75% loan-to-value, simplifying the process for your projects.

At Trillium Mortgage, we successfully arrange farm mortgages in Ontario for borrowers dealing with challenges like insufficient income, poor credit, income tax arrears, property tax arrears, and mortgage payment arrears.

We have extensive knowledge in private farm mortgages, providing agricultural financing that covers all aspects of your farming operations, including land, residences, and outbuildings.

We also offer comprehensive options for first, second, and third mortgages on farms, ensuring you have the financial support you need for success.


Trillium Mortgage offers specialized support in acquiring or refinancing investment properties throughout Ontario, designed to accommodate borrowers with high TDS and GDS ratios, poor credit, or limited income.

If you're facing mortgage arrears or your investment property is in a power of sale situation, we might be able to assist with refinancing.

Our financing solutions include B lender and private mortgages for investment properties, perfect for those who may not qualify through traditional financing methods.

We employ a unique strategy by allowing up to 100% of rental income to offset mortgage payments, which is a major benefit over the traditional banking practice of only considering 50% of rents. This approach simplifies qualification on GDS and TDS calculations and enhances the chances of obtaining higher mortgage approvals or larger loan amounts.

Serving clients throughout Ontario and extending our services across Canada and the USA with our network of over 300 private lenders, Trillium Mortgage is your trusted partner for innovative mortgage solutions.


Trillium Mortgage is your go-to commercial mortgage broker in Ontario, specializing in serving small businesses and entrepreneurs who struggle to meet the strict criteria of traditional lenders. We provide B lender commercial mortgage financing for various properties, including restaurants, gas stations, motels, resorts, commercial condos, and plazas.

If you're facing challenges with bad credit, unverifiable income, or income tax arrears, we can assist in securing a private commercial mortgage based on property equity. Note, we do not offer unsecured business loans. Contact us today to see how we can help.

We are an Ontario commercial mortgage broker for small businesses and entrepreneurs who won’t qualify under rigorous requirements of traditional commercial mortgage lending. We offer B lender commercial mortgage financing.

If you are having a tough time qualifying for a commercial mortgage in Ontario for restaurants, gas stations, motels, resort properties, commercial condos, commercial plazas or any other commercial mortgage give us a call.

We can help those with bad credit, insufficient or unprovable income and income tax arrears obtain a private commercial mortgage in Ontario.

We are equity based commercial mortgage brokers. We arrange mortgages based on real estate. We do not offer unsecured business loans.

Hear What Our Happy Clients Have to Say






We specialize in difficult to place private mortgages for residential, commercial & agricultural properties.
Non-provable income, bad credit, income tax arrears, property tax arrears mortgage arrears applicants welcomed !




© Copyright 1989. Trillium Mortgage. All rights reserved.
Frank Manzo

Trillium Mortgage

Mortgage Broker License #M08007466

Broker License #11396

Level 2