12/18/2023
Our Typical Mortgage Process:
1: Phone or online application
2: We call you to discuss your financial picture & goals
3: Review your best options & negotiate rates on your behalf.
4: We receive mortgage commitment and review with you
5: With your pre-approval you get to go shop for your new home!
6: With your realtors help, you submit an offer to purchase.
7: The approved offer is sent to us to review.
1st time home buyer:
1: We submit your offer to CMHC for approval
2: Bank provides approval to us
3: The bank may have outstanding conditions. We go over these left over items to be provided to us
4: Congratulations! Conditions are met and waived. You are a home owner
5: Final Documents: Sent by the bank to your lawyer for signing.
6: You now own your new home at the lowest rate available.