Apply for a Mortgage

Apply for a Mortgage - Oshawa Mortgage Broker

The process to apply for a mortgage can be a scary process, but I try to make it as smooth and easy as possible! Depending on your goals, there are a few options. If at any point you have any questions please do not hesitate to reach out and contact me! 

Prequalify in under 60 Seconds!

Download My Mortgage Toolbox App directly onto your phone, to quickly and easily see:
  • How Much You Prequalify For
  • Current Interest Rates
  • Mortgage Payment Amounts
  • Down Payment Calculator
  • And Much More!

Apply Easily Online!

Clicking the link below will move you to my online portal to apply online. The portal is safe and secure and will prompt you on all the right questions to move your application along. Once I receive your application, I will review and get back to you within 2 business days with any questions and what our next steps are.

Download Application Documents!

I, myself, LOVE filling out a nice form! Click on the link below to download a copy of my mortgage application documents, fill out the documents and return them to my by email. Once I receive them, I will review and get back to you within 2 business days with any questions and what our next steps are.
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What's Next?

Ok, so you went through the process to apply for a mortgage. Then what? Here’s how it works when you work with me!  
  1. Apply using one of the methods above
      Or, set up a meeting with me to begin! 
  2. Application Review
      I will review the details in your application and look for any questions or concerns that I might have
  3. Review With You
      I’ll reach out to to you within 2 business days of receiving your application to review the questions and concerns that I have, and figure out what your homeownership goals look like. This helps me with determining the best lender and lending option for you and your personal situation
  4. Documentation Gathering
      Based on your specific situation, I will provide you a list of documentation that we need to gather for the lender, once we have these all ready we can move ahead
  5. Submit to Lender
      I submit your application and all documentation to the lender
  6. Approval (with conditions)
      The lender will provide their approval (or denial) along with  their list of conditions. They will then review the documents that we submitted (sometimes asking for more) to ensure that everything we  said in the application is in fact, true
  7. Full Approval (aka Broker Complete)
      After the lender has reviewed all documentation and are satisfied with their list of conditions, they complete the file as ‘Broker Complete’
  8. At this point, the file moves over to your selected lawyer to complete the legal side of things and prepare you for closing
  9. Closing Day: When your keys are ready, your lawyer will contact you to come pick them up from their office, and the house is yours!
Important: During this process, from home offer to closing day, it is very important that nothing changes in your application. Please avoid the following things:
  • Changing jobs
  • Making large purchases
  • Increasing any credit card limits or debts

Let's Chat

Please select a day to book a 45-minute meeting with me!

Evenings and weekends are available as well. Please call or email me to set up a time outside of office hours.