Services

  • Purchase

    Whether you are a first time homebuyer or a seasoned buyer, the process of buying a home can be daunting. Let us help you navigate the different mortgage types and get you rates and terms that make sense for your financial needs.

    Apply today

  • Refinance

    Refinancing is the process of acquiring a new mortgage with the intention of reducing mortgage payments, lower interest rates or even taking out equity from your current property to help with large projects. This process can be overwhelming so let us help you navigate it.

    Apply today

  • Renew

    If your mortgage term is up, it can be as easy as signing for another term. But as circumstance are always changing, this may not make the most sense anymore for your family or financial needs. There may be a way for you to get better rates or term and we can look into your options with no obligations.

    Apply today
 
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See what you qualify for w

ith my online app.

Here’s what else you can do:

  • Calculate your total costs of owning a home

  • Estimate the minimum down payment you need

  • Calculate Land transfer taxes and the available rebates

  • Calculate the maximum loan you can borrow

  • Stress test your mortgage

  • Estimate your Closing costs

  • Compare your options side by side

  • Search for the best mortgage rates

download my app
 

How it works

  1.  Mortgage application

    Let’s get to know each other and get a look into your financial needs. Your wants and needs may differ and it’s a good idea to get a good handle on what you can afford before starting the house hunting process to avoid being disappointed.

  2. GET PREPARED

    Having the proper documentation can make the process go faster. Here’s what you will need:

    -Letter of employment

    -Proof of address and your address history

    -Government-issued photo ID with your current address

    -Proof of income for your mortgage application

    -Down payment proof (amount and source)

    -Savings and investments proof

    -Details of current debts and other financial obligations

  3. GET PRE APPROVED

    Getting pre-approved not only makes the search easier by helping to determine your price range and budget, but pre-approval also guarantees the interest rate for 90-120 days while you search for that perfect home. Plus, the rate will automatically be adjusted down with any market reductions. Another benefit to pre-approval is that, when it comes time to purchase, pre-approval lets the seller know that securing financing should not be an issue. This is extremely beneficial in competitive markets where lots of offers may be coming in.

  4. peace of mind

    Let us handle the final details and know that your financing is in good hands. Once your mortgage is signed and paperwork is complete, we are here if you need any advice on closing details or even future referral needs.