What is required to obtain a first Mortgage?

In order to get the best rate, terms and conditions, you'll need to provide us with: Employment verification with proof of income A good credit rating Verification of source of down payment An online application  more

Employment verification with proof of income A good credit rating Verification of source of down payment An online application Can I use gift money as a down payment? Yes, most lenders will accept down payment funds that are a gift from family. A gift letter signed by the donor is usually required to confirm that the funds are a true gift and not a loan. Should I wait for my mortgage to mature? No. You should contact us up to 120 days before your mortgage matures so I can secure you the best rate available at that time. Doing this will protect you from any increases before your renewal date. You will also benefit from decreases should they occur. Most lenders send out their mortgage renewal notices only a month prior to renewal, offering existing clients their posted interest rates. The rate you are offered is usually not the best. We will investigate all of your options and find the solution that best suits your needs.  more

A. There are different requirements for each product/lender. In most cases: Full time employment/proof of income Good credit rating etc.

In order to get the best rate, terms and conditions, you'll need to provide us with: 1. Employment verification with proof of income 2. A good credit rating 3.

• Employment verification with proof of income • A good credit rating • Verification of source of down payment • An online application  more

• Full-time employment or stable income • Proof of income • Good credit rating • Verifiable down-payment • Filling out a Mortgage Pre-Approval Application  more

In most cases: • Full-time employment or stable income • Proof of income • Good credit rating • Verifiable down-payment • Filling out a Mortgage Pre-Approval Application  more