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Get a pre-approved mortgage.

If you’re thinking about buying a new house or making an investment, you’ll probably want to get pre-approved for a loan before you start shopping around. You’ll also want to know what kind of interest rate you qualify for, and whether you can afford the monthly payments.

Pre-approval in 5 easy stages.

Step 1

Step 1:Find out if you qualify for a mortgage.

Getting a pre-approved mortgage is the first step towards buying a house. You need to compare mortgage rates before you apply to each bank. Applying to each bank is the next step.

This is an effective approach because it allows you to get approved quickly. Whether you are approved or declined, your credit rating will not be affected.

If you apply for a loan through a mortgage broker, they will only provide your banking information, never any personal information about you. If you are denied, your credit file won’t be affected.

Your mortgage lender’s purpose is not to persuade or dissuade borrowers from applying to a specific bank. Instead, it’s to maximize its own profit. As a result, lenders will often offer loans at rates that are higher than what you could get elsewhere.

Get a pre-qualification

Mortgage pre-qualification is required because…

  • You want to make sure you know how much money you have available.
  • You should be able reach out to the seller to discuss your offer.
  • Make sure you have an agreement with your client.
  • Get all of the necessary acquisition, preparation documents.

Take out a mortgage for a house

Buying a house with a mortgage

When you purchase a home, there are many steps that need to be taken before you can move in. You have to go through a long process that includes getting your finances in order, finding a lender, applying for a mortgage, and then finally closing on the house. This process takes time and effort, and if you miss any step along the way, you may not be able to get the financing you need

Mortgage Services


A mortgage broker will help you get a loan. He or she will review your income, assets, and debt to determine whether you qualify for a loan. A mortgage broker will also help you fill out all the necessary paperwork. You may need to provide proof of employment, proof of income, proof of assets, proof of debts, and proof of credit. Your broker will then submit your application to lenders. Lenders will review your application and decide whether to approve you for a loan. If approved, your broker will negotiate the best terms for you.

Mortgage Services


Nathalie will accompany you in the preparation of the application during an appointment, in person, by phone or video conference you have the choice. If the lender approves your application, Nathalie will send you a commitment. You will then have to sign it and return it to her. Instructions will then be sent to the notary of your choice.

Mortgage Services


The lender will send you a request for information. You will then be asked to provide certain documents. Once all the requirements have been met, the lender will issue a decision. If everything goes well, you will receive a confirmation letter.

When buying your first home, you should expect to fill out a lot of forms. You will need to provide proof of income, proof of assets, proof of employment, proof of credit history, and other documents. If you have any questions about what information is required, ask your loan officer.

What is the mortgage renewal?

What is the process of renewing a mortgage?

When you buy a house, you usually get a fixed interest rate for a certain period of time. After that, the interest rate will either stay the same or go down. If you want to change your interest rate, you need to contact your lender and ask them to lower your rate. You may also be able to negotiate a lower rate if you pay off your loan early.

Mortgage renewals occur numerous times throughout the course of a loan’s life, which is typically twenty-five years.

If you’re refinancing your mortgage, your lender or the organization that provided you with the original mortgage must send you a notice 21 days before the expiration date of your new loan.

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