Mortgage Application Process: What you want to  know before you commit

The secure mortgage application process section of the site is devoted to giving borrowers a step by step guide to the mortgage application process, whether it’s for a purchase of a property, re-finance, investment buying or any other situation that requires mortgage financing.

• The first step to borrowing should include a full pre-approval., you can complete the application online or  call us to make an appointment

• We review your assets and liabilies, employment information and down payment to determine the maximum borrowing capacity.

• An experienced Realtor should insist that a client apply for a pre-approval before viewing properties.

• Imagine finding the perfect home and not being able to afford it.  Pre-approval helps eliminate disappointment.

• In today’s technically driven world applying for a mortgage can be fast and easy.  Our state of the art mortgage office and website allows our clients to apply on –line in a secure environment.

• Our site saves time and since you can apply for a mortgage in the comfort of your home it’s a consumer-friendly process. But we’re always there to guide you.

• It may not be possible to speak to a mortgage agent in private from your office during the day, so having the ability to use the Internet makes perfect sense.

• Your pre-approved mortgage will come with the added benefit of securing a rate for up to 120 days from application. If rates decrease by the closing date, you will automatically be offered the lower rate.

• Upon finding the right home,  for re-finance, or renewal, your mortgage commitment will be issued with a set of conditions that you must fulfill.  This may include an appraisal request.

• Once your documentation has been received the lender will forward the final mortgage instructions to your lawyer to complete your financing request.

• The process is designed to make getting a mortgage a simple process.  You’ll receive a competitive rate coupled with friendly knowledgeable guidance.