The Mortgage Process

Items I’ll Need From You During the Mortgage Process

To ensure a smooth and efficient mortgage process, providing the necessary documentation upfront is essential. I’ll guide you through exactly what’s required, which may include:

• Agreement of Purchase and Sale
• MLS Listing (if applicable)
• Lawyer's Contact Information: Name, address, phone, and fax numbers
• Personal Identification: Two pieces for all parties involved
• Income and Employment Verification:
  • Recent pay stub(s)
  • Letter of employment
  • T4(s) or Notices of Assessment (NOAs) if self-employed
• Proof of Down Payment: A 3-month history of savings or investments
• Gift Letter (if applicable) with supporting bank statements
• Void Cheque
• Home Insurance Policy

Note: An appraisal of the property may also be required.

What You Can Expect From Me

I’m committed to making the mortgage process as seamless as possible while ensuring your goals are at the heart of every decision. We'll take the time to understand your current needs and future aspirations. Once your application is ready, I’ll match it to lenders best suited to your situation.

With access to over 50 lending institutions—including major banks, credit unions, trusts, and regional lenders—I’ll leverage this variety and negotiating power to secure the best mortgage solution tailored to you.

But my service doesn’t stop there! After your mortgage closes, I’ll stay in touch with updates and advice, ensuring your mortgage plan continues to align with your evolving needs and goals.

Referrals Are Always Appreciated!

Thank you for trusting me to guide you through this important milestone. I look forward to helping you achieve your homeownership and financial dreams!