Before you start looking for a home to buy, it’s a good idea to consult with a Mortgage Specialist to determine what your buying power is. At this stage, you will provide information about your income, assets and debts to determine how much you may be able to afford. This includes a credit report, proof of employment and income documents. There are a variety of different mortgage options, so be sure to get pre-qualified according to your specific needs.
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When you find a property that you’re ready to buy, your Mortgage Specialist will advise you on any further supporting documents required. They will then walk you through your various options and help you decide where you'd like to place your mortgage. The application is submitted to the lender of choice along with supporting documents. If required, an appraisal is ordered. Once fully approved, all documents get signed and your file gets transferred to your lawyer.
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your mortgage is approved, don’t forget to set up homeowners insurance. Your lawyer will book an appointment with you to sign all final documents and pay any remaining closing costs. Once the mortgage has been funded, you get the keys and you are an official homeowner! Congratulations!