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.