Tom Mullen

Tom Mullen Specializing in Residential Mortgages

Mortgage Tip: 🏠Knowing your credit score and report in advance can give you time to dispute any errors you may find and ...
06/26/2026

Mortgage Tip: 🏠

Knowing your credit score and report in advance can give you time to dispute any errors you may find and boost your credit score.

Remember that the higher your credit score, the higher your chances are of obtaining a loan and obtaining one with the best rate and terms!



Mortgage Tip: 🏠Many lenders will likely be eager to take your loan application and approve you for a loan. However, to f...
06/19/2026

Mortgage Tip: 🏠

Many lenders will likely be eager to take your loan application and approve you for a loan.

However, to find the best lender you should consider different lender options and compare the rates, loan terms, down payment requirements, mortgage insurance, closing costs, and any additional fees associated.



Mortgage Tip: 🏠Having paperwork gathered and in order in advance can help you prepare for the application process.Some e...
06/12/2026

Mortgage Tip: 🏠

Having paperwork gathered and in order in advance can help you prepare for the application process.

Some examples of documentation you will need to apply for a mortgage include:

-> T4's
-> Paystubs
-> Bank statements
-> Tax returns
-> Proof of assets
-> Investment account statements



Mortgage Tip: 🏠Once one gets pre-approved, this is the maximum amount a lender is willing to lend the applicant based on...
06/05/2026

Mortgage Tip: 🏠

Once one gets pre-approved, this is the maximum amount a lender is willing to lend the applicant based on their current overall financial situation.

However, if you get pre-approved for a higher amount than you were budgeting to spend on a new home, avoid using up the entire loan. Make sure you think about your situation and if it makes sense for you!



Mortgage Tip: 🏠Most buyers work with a real estate agent to have a professional as their advocate throughout the home-bu...
05/29/2026

Mortgage Tip: 🏠

Most buyers work with a real estate agent to have a professional as their advocate throughout the home-buying process. They help buyers in a lot of ways, including finding suitable properties and negotiating a fair price.

If you don't know who to work with, we know some excellent and experienced real estate agents who would love to assist you! Let us know if you would like us to help you with this!



Mortgage Tip: 🏠Keep all your monthly obligations (i.e. credit cards, loans, homeowner's insurance, and mortgage payments...
05/22/2026

Mortgage Tip: 🏠

Keep all your monthly obligations (i.e. credit cards, loans, homeowner's insurance, and mortgage payments) at less than 42% of your gross income as a general rule of thumb.

This will help you have all your obligations covered, while also having money left to pay for other expenses and save up!



Common mortgage mistakes to avoid:Do NOT make large credit card purchases!
05/15/2026

Common mortgage mistakes to avoid:

Do NOT make large credit card purchases!



Common mortgage mistakes to avoid:Do NOT get behind on your bills.
05/08/2026

Common mortgage mistakes to avoid:

Do NOT get behind on your bills.



Common mortgage mistakes to avoid:Do NOT spend all of your savings!
05/01/2026

Common mortgage mistakes to avoid:

Do NOT spend all of your savings!



Mortgage Tip: 🏠When saving up for a down payment, here are some tips to help you budget and reach your goals:-> Avoid ba...
04/24/2026

Mortgage Tip: 🏠

When saving up for a down payment, here are some tips to help you budget and reach your goals:

-> Avoid bad spending habits
-> Avoid spending money on non-essential items
-> Look into down payment assistance
-> Pick up a side hustle
-> Continue paying off credit debt (especially loans with high interest to save money)



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Toronto, ON

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+17058174225

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