How we do it
As a mortgage broker, I work for you, not the banks.
Step 1
Discovery Call
Often brokers will insist you take the time to fill out their mortgage application. From there they check your credit history to see what things look like but what if you are just wanting information or buying in the next year or so??
I do it differently. We will jump on a quick 5–10-minute Discovery Call.
This call (or email) is designed as an introduction and to get a general sense of what you are looking to accomplish. We will discuss things like your timeline and have some preliminary discussions surrounding debt, credit and your income structure. I will get some general information so we can communicate going forward and I will explain the next steps in my process.
Step 2
Mortgage Application and Document List
Once we’ve had our Discovery Call and if you’re ready to take the next step, we will move onto the mortgage application along with a personalized document email. My online application is seamless and secure and once filled out I am instantly notified. I will need certain documents (from your document email) to build a solid mortgage Pre-Qualification.
Step 3
You are Pre-Qualified!!
Often brokers don’t get certain documents up front (income documents as an example) nor do they do a credit check but still issue a “preapproval” letter. This can create complications and stress when trying to purchase a home. We will have all pertinent documents looked at your credit fully checked so you can make an offer on a home with confidence!! You will know your borrowing limits as per your income, debts and general application. I can issue a Pre-Qualification letter with the mortgage details included. You will be 100% ready to make an offer on a home.
Step 4
Conditional Approval
You’ve found your dream home!! You have negotiated the price, possession date and so on. With this information I have shopped the mortgage market for you and found the perfect lender. We now have our Conditional Approval!! Lenders need to verify the information in our credit application and for the most part this is quick as you have provided the documents up front. We will address and satisfy any remaining conditions so that you are 100% approved.
Step 5
100% Approved
This is the fun part of my job. We have satisfied all the lender conditions and have signed all necessary documents. Our lender is completely satisfied! You are now 100% complete, the house is yours! This is it for the mortgage side of things, there is a meeting with your lawyer to sign some additional documents but it’s that easy.
Download My Free Mortgage App!!
What You Can Achieve With Our App:
- Determine the full cost of homeownership
- Estimate the smallest down payment required
- Compute land transfer taxes and eligible rebates
- Assess the highest loan amount you can qualify for
- Perform a mortgage stress test
- Calculate closing costs accurately
- Compare different mortgage options effortlessly
- Find the most competitive mortgage rates
- Generate and email PDF summary reports
- Access the app in multiple languages: English, French, Spanish, Hindi, and Chinese
Download our app
Ready to apply for a mortgage?
To get the process started, click the button and send us a message or call us direct at 403-302-2492.