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Step 1: Mortgage Pre-Approval 
Arranging a pre-approved mortgage is one of the most important steps in the buying process.  It not only protects you in the event of an interest rate increase, but also provides you and your realtor a starting point for looking at homes – the last thing you want is to find your dream home and then be short of financing.  We can obtain a pre-approval for you promptly. 

Step 2: Go Shopping 
This is where a good realtor makes all the difference.  He or she will help you find a property that suits your needs and ensure any contract to purchase protects you.  With such an important decision, expert guidance is a crucial element.  If you do not have a realtor already, we would be happy to make a recommendation.

Step 3: Mortgage Application 
Once you have found a home and signed a contract to purchase, we will ask you for income and down payment confirmation, as well as any other information required.   

Step 4: Subject Removal 
Subject removal happens once you have received confirmation that your mortgage is unconditionally approved.  We will walk you through this process along with your realtor.  You can also opt for mortgage insurance coverage such as Mortgage Life Protection, Mortgage Critical Illness Protection and Mortgage Disability Protection.

Step 5: Legal Documentation 
At this stage, we and your realtor will arrange for documentation to be sent to your lawyer.  Usually the lawyer/notary will call you one to two weeks before the closing to make an appointment for you to sign the mortgage and title transfer documents. 

For expert advice throughout the mortgage process – and o find a mortgage that’s right for your needs – contact us today.