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𝗪𝐡𝐚𝐭 𝐢𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐢𝐬 𝐧𝐞𝐞𝐝𝐞𝐝 𝐟𝐨𝐫 𝐚 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐩𝐩𝐥𝐢𝐜𝐚𝐭𝐢𝐨𝐧?⁣
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Filling out a mortgage application can seem daunting, but it doesn’t have to be. My goal as a Mortgage Specialist is to make this process as easy and simple for you as possible. To do this, you will need to gather some information for me related to your income, assets and liabilities. ⁣
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But let’s simplify this even further. All I need from you is:⁣
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* Identification (Driver’s License is perfect!)⁣
* Proof of employment. This can include: pay stubs, job letters, previous two years T4's and notice of assessments.⁣
* Proof of Downpayment and Closing Costs. This includes your saving and chequing account balances, RRSP, and investment balances.⁣
* Assets Information such as vehicles, other property, life insurance details.⁣
* Debts information including credit cards, lines of credits, personal loans, car loans, spousal support, or other mortgages.⁣
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Since every individuals situation is unique, I may need to ask for additional documentation, but otherwise, that is the basic information that I need from you. ⁣
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Once I have the information listed above, I will also need to pull your credit report to see how well you have been able to pay your debts and bills in the past. I only do this if you are confident and ready to move forward with your mortgage process, and I will never pull your credit score without your consent. ⁣
By understanding this process, hopefully the mortgage application doesn’t sound so scary anymore. If you have any questions about the application process, don’t hesitate to reach out!⁣
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*𝘗𝘳𝘦𝘦𝘵 𝘚𝘪𝘯𝘨𝘩, 𝘙𝘦𝘴𝘪𝘥𝘦𝘯𝘵𝘪𝘢𝘭 𝘢𝘯𝘥 𝘊𝘰𝘮𝘮𝘦𝘳𝘤𝘪𝘢𝘭 𝘔𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘚𝘱𝘦𝘤𝘪𝘢𝘭𝘪𝘴𝘵 𝘸𝘪𝘵𝘩 𝘔𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘈𝘭𝘭𝘪𝘢𝘯𝘤𝘦.* ⁣