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Our Process


Our process is simple. We want to make it so you understand each step of the experience. We have outlined the steps below so you get a better understanding of the process.

  1. Initial Consultation

    Whether on the phone or in person, we start off by getting to know you first. We ask a few questions to better understand what you’re looking for. We want to understand your short-term & long-term goals to find a solution that is going to set you on the path of achieving those goals.

  2. Collecting Key Information

    At this stage, we need to collect “applicant-specific” information such as permission to attain a credit report and other relevant documents to the application process. Other examples of information include Bank statements, Income statements, mortgage statements, etc. Keep in mind that the information needed is specific to the applicant and the types of documents needed may also vary accordingly. Don’t worry we will guide you on specifics when we get to this stage.

  3. Submit Your Application To The Right Lenders

    Now that we fully understand you and what you’re looking for, we also have a good understanding of the type of mortgage that would be best for you and the lenders that are able to provide you with an ideal solution. We have access to more than 40 lenders including major banks and credit unions. Dealing with multiple lenders allows us to influence and negotiate significantly on your behalf. At this stage, we submit your application to the right lenders for review.

  4. Review Lender Approval Documents

    Once the lender has reviewed your application, they will issue a Letter of Interest or Commitment Letter outlining the details of the recommended mortgage solution. At this stage, we will thoroughly review the documents with you. Once we have answered any questions you may have, you sign the documents which then allows us to continue onto the next step.

  5. Review And Assemble Your Complete Package

    Once you have signed the commitment letter and have met all of the pre-requisites outlined in the documents, we will collect and assemble the final mortgage package including all of the necessary supporting documents required by the lender. Once everything is compiled and “ready to go,” we will submit the finalized package including a “Letter of Direction” to the lawyer for closing.

  6. Meet With Lawyer To Finalize Paperwork

  7. Once the lawyer has received instructions, the lawyer will review the documents and closing costs with you, confirm your identity and have you sign any outstanding paperwork. The mortgage funds will be transferred to the lawyer on closing day to then be forwarded to the appropriate payee. At this stage, we congratulate you on completing the mortgage process and getting the right mortgage for your needs.

  8. Our Continued Support

    Now that we have completed the deal, we would like to receive your feedback to help us improve what we do. We want every client to be happy about their mortgage experience and our process, so much so that you would be inclined to refer your friends and family to us. We want to take care of them just as we did with you. Remember, as well, that we are always here for you if you should need us again. We don’t believe in transactional relationships, we want to continue to support you throughout your journey to mortgage freedom. We are just a phone call away!

  9. Get Involved

    View our team of professionals for more information regarding our experience.