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 credit bureau, employment information and down payment to determining the maximum borrowing capacity. RRSP??
• 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 eliminates any 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 holding  securing the rate for you for up to 120 days. If rates decrease by the closing date, you will automatically be offered the lower rate.
• Upon finding the right home, or simply asking to complete the mortgage 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.