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First Time Homebuyers
Becoming a homeowner for the first time can seem overwhelming, it doesn't have to be. Our team of experts specializes in guiding homebuyers through the entire mortgage process, from approval to closing.
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If you're looking for a new mortgage, switch or refinance a property, look no further! Shop with all the lenders, including big banks like TD Bank, RBC Royal Bank, ScotiaBank, BMO Bank of Montreal and CIBC
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FAQ'S
Frequently Asked Questions
Applying for a mortgage typically requires several key documents to verify your financial standing. These may include recent pay stubs, Notice of Assessment from the past 2 years, proof of assets, and information about your debts. Our expert team will guide you through the specific documentation needed based on your situation, ensuring a smooth application process.
Choosing the right mortgage option depends on your financial goals, current situation, and future plans. We will assess your needs and preferences, taking into account factors like interest rates, loan terms, and down payment requirements. We'll provide you with personalized recommendations, empowering you to make an informed decision.
Yes, you can apply for a mortgage if you have less-than-perfect credit. While a lower credit score might impact the terms and rates available to you, our team specializes in finding solutions for various credit profiles. We work with a diverse network of lenders, including those who consider alternative credit metrics. Rest assured, we'll explore every avenue to help you secure a mortgage that fits your goals.
A fixed-rate mortgage offers a consistent interest rate throughout the entire loan term, providing stability and predictable monthly payments. On the other hand, an variable-rate mortgage may be more economical but the rate can fluctuate based on market conditions. Sometimes suitable if you plan to sell or refinance before the rate adjustment. Our team will guide you through the pros and cons of each option, helping you make an informed choice.
The mortgage approval process can vary based on factors such as the complexity of your application, the lender's procedures, and external factors like appraisals and document verification. On average, it can take anywhere from a few weeks to a couple of months. Our team is committed to expediting the process as much as possible. We'll keep you informed at every step, ensuring you have a clear understanding of the timeline and requirements.