the DLC difference.
Start Here
Step 1: Apply for a Mortgage
Whether you are looking to get pre-qualified, are purchasing, renewing or refinancing the first step is an application. Our application is secure and mobile friendly. If you aren't able to finish the application in one sitting, easily come back to it on any device later on.
If an online application just isn't your thing, give me a call and I can take your application on the phone or we can arrange to meet in person: 780-886-6147.
Step 2: Get Pre-Qualified
Once your application and credit consent have been received we will request the necessary documents. Jill will pre-qualify you for a mortgage. We will give you your maximum purchase price, submit a rate hold and review closing costs. When your receive your pre-qualification you can start making offers on houses. If you are refinancing or renewing, then your file will instantly move to shopping for a mortgage and financing approvals.
Buying a home and using a realtor? Show them this video:
Step 3: Submitted for Approval
This is where Jill and the team work their magic shopping for the best bank/ lender, product, terms and interest rate to match your financial and life plans.
At this stage, your dedicated underwriter will jump in to help on your application. Jill and the underwriter will both be working on your approval.
Step 4: Conditionally Approved
After Jill and the team has shopped the mortgage marketplace for the best available option, they will present your conditional approval. At this stage you will see receive a mortgage commitment from the lender outlining the terms of the mortgage exactly what the lender needs to review to finalize your approval. The list of outstanding items to finalize the approval is usually pretty short because we aim to be thorough collecting your documents during our pre-approval.
That's It
Step 5: Financing Complete
Your mortgage is officially done and 100% accepted. No more annoying paperwork! Now all that is left is meeting with a lawyer or title company to register your new mortgage to your home's title.
This is Why
We Should Work Together
Best Rate?
Our rates are always competitive and we pride ourselves in making sure you get the best rate available to you.
Service? Absolutely!
We take advantage of all the best technology so you don’t have to take a day off work to get a mortgage. We have the technology and lender connections to serve you across Canada.
Security?
We take the responsibility of protecting your information seriously. We have ensured the very best security measures and practices have been implemented to protect sensitive information at a level that is Bank-grade or better.
Get In touch
Let's Chat
We believe in building a strong foundation of trust. Let’s get acquainted! Our booking app allows you to choose a time that suits you best. The app gives you the option to choose a phone call, a Zoom meeting, or an in-person visit to our downtown office in beautiful Golden, BC.
Start an Application
In order to provide you with sound advise and to expedite the process, we need to see your application. Ready to jump right in? Complete your application and we will get to work. If you are in a hurry, this it the fastest way to get started.