Purchase
Getting pre-approved for your mortgage gives you the flexibility you need to find the best deal on a new home.
Step 1: Personal Consultation
Your personal mortgage consultant will help you:
- Determine if you are financially prepared
- Consider a variety of mortgage products
- Review down payments, future payments, and affordability
Step 2: Your Application
We’ll guide you through the application process:
- Listing your employment record, assets and liabilities
- Verifying your down payment
- Obtaining a credit check
Step 3: Pre-Approval
Discover the benefits of pre-qualification. We’ll help you:
- Choose the mortgage that works best for you
- Learn about pre-payments, amortization, and more
- Secure your application against potentially rising interest rates
Step 4: Make an Offer
Be sure to let your mortgage consultant know:
- When you make an offer on a property
- When you finalize a purchase contract
- About any changes to your financial situation
Step 5: Financing
Once your mortgage consultant submits your documentation, the lender:
- May order an appraisal of the property
- Removes all pre-approval conditions
- Sends funds to your lawyer on the completion date
Step 6: Ownership
Congratulations! Once the lawyers have finalized the transfer of funds and property title, your new home is officially yours.