The Mortgage Process

Items I need from you when it comes to the Mortgage Process

Providing all of the required documentation ensures that I can efficiently process your mortgage application. I will advise which of the following you will need to provide:

• Agreement of Purchase and Sale
• MLS Listing
• Contact information for your lawyer: name, address, phone and fax numbers
• 2 pieces of personal identification for all parties involved
• Income and employment verification
• Recent pay stub(s)
• Letter of employment
• T4(s)
• Notice of Assessment(s) if self employed (NOAs)
• Proof of Down Payment: 3-month history of savings/investments
• Gift letter with bank statement
• Void cheque
• Copy of home insurance policy

An appraisal of the property may also be ordered. 

What you can expect from me ?

I prefer a hands-on approach to ensure we understand each other well. My goal is to be fully aware of your current needs and future objectives. I will submit your application to the lender or lenders that are best suited to meet your requirements. With access to over 50 lending institutions, including major banks, credit unions, trusts, and other national and regional lenders, I can leverage significant negotiating power on your behalf. This extensive range of options allows me to find the ideal mortgage that fits your unique financial situation.

After your mortgage closes, I will maintain regular communication because life evolves, and your mortgage needs may change. As your circumstances and goals shift, I will adjust your mortgage plan to ensure it continues to align with your current objectives.

I appreciate any referrals - Thanks again