How To Get A Mortgage? Step By Step Instructions On Real Estate Financing

Step 1. Contact your mortgage broker or me! 780-278-4847

We will have an initial conversation about your mortgage goals and I will get an understanding of what you require.

Step 2. I will text or email you a mortgage application to fill out

Please ensure you fill this out with as much detail as you can, so that I can get all of the information I need to get you approved.

Step 3. Once you fill out our application, you will be prompted to upload some documents

Some of these documents will include your employment letter and pay stubs!

You can also email these documents, or drop them off at our office.

Step 4: Once you have sent in your documentation I will call you to discuss and write you a pre approval letter

This letter will state how much you are approved for based on the down payment you have!

Step 5. You can now go shopping for a property

Once you have found a property, you or your realtor can send us the signed offer to purchase and MLS Listing of the property.

Step 6: I will start shopping for the lowest rate for you.

Step 7: 1-2 days later, I will receive an approval through my internal system and I will send it to you for signing

I will contact you by phone to go through the approval.

Step 8. You sign the approval

We send this inn to your new bank with all of the required documents.

Step 9: The bank will then send us something that says all conditions satisfied

We instruct you to remove your financing condition.

Step 10: Your realtor will have you sign the condition removal and will email this to us

Step 11: We will instruct your lawyer

They will call you to come in and do the final signing.

Step 12: You sign off and take possession of your new home!