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The amount of mortgage you will qualify for will depend on several factors including your employment history, your credit score, the amount you have for a down payment, and your assets. Download our custom tool, Your Mortgage App from the App Store or Google Play Store and try the online mortgage calculators. For a more detailed understanding of your options based on your financial picture connect with our brokers.
The mortgage brokers at Property Finance Corp. can help you secure financing and pre-qualify you so you can begin your home search. We can also connect you with a Realtor® from our robust network of industry partners.
A minimum down payment of 5% is required to purchase a home, subject to certain maximum price restrictions. In addition to the down payment, you must also be able to show that you can cover the applicable closing costs (i.e. legal fees and disbursements, appraisal fees and a survey certificate, where applicable). Regardless of the amount of your down payment, at least 5% of it must be from your own cash resources or a gift from a family member. It cannot be borrowed.
Download our custom tool, Your Mortgage App from the App Store or Google Play Store and try the online mortgage calculators.
The landscape of the Canadian mortgage services is a jungle. Choosing your lender is just one step. Partnering with a knowledgeable and experienced broker can allow you to clear a path through the jungle and get you home sooner. Here are the benefits of choosing Property Finance Corp. to be your guide.
We are committed to helping our clients find the best mortgage solution available and educating them every step of the way. When our clients are able to move closer to their financial goals and can purchase, refinance, or leverage their home’s equity, their success is our success. We’ll let them speak for themselves...
Every Canadian's journey to homeownership is unique. Property Finance Corp. has the knowledge and experience to ensure that everyone has access to the most favourable rates and terms as they seek out the most suitable mortgage solution for them. When you choose our team of insightful and reliable brokers you're choosing an easier path to mortgage financing. This is what you can expect with the Property Finance Corp. process:
The first step is to gain clarity of your current financial health and to determine how much a lender is willing to offer. Let your broker advise you to secure a mortgage product with favourable terms, whether you are applying for a new mortgage, exploring renewal or refinancing.
Pre-Qualification will give you the information you need to begin your home search. You will have a reasonable idea of the price range of homes that you can search for. This is a great first step as you work with your agent to explore the real estate market.
A pre-approval is a conditional commitment by your lender to provide a mortgage to you and they will be able to quantify the loan amount. This puts you in a stronger position as you offer and negotiate on the property you want.
Once your offer to purchase has been accepted by a seller, the loan processing begins. Your lender will amass all needed documentation about you and the property for purchase such as the financials you provided for pre-approval, but also property inspections and appraisals, and titles.
The lender’s underwriter is tasked with making the final approval on your mortgage. The underwriter will verify all documentation and assess the property before locking in an interest rate and approving the loan. The mortgage may be approved as is or may apply additional conditions.
The process of closing includes removing the financing condition of your offer to purchase and will culminate in a meeting with your lawyer to seal the deal. Your journey to homeownership is complete and Property Finance Corp. is pleased to welcome you home!
Choosing the right mortgage solution is key to setting yourself up to achieve your goals and creating a bright financial future for you and your family. Choosing the right mortgage broker to help you get it is just as important. Property Finance Corp. is a team of dedicated and experienced brokers who can guide you through the often complex world of mortgage products. Leverage our skill, our industry knowledge, and our carefully cultivated lender relationships to find the mortgage solution that is most ideal for you.
Call us at 1-844-PF1CORP (731-2677) today.
You don’t have to travel the pathways to homeownership, mortgage renewal, refinancing, or accessing the equity in your home alone. Property Finance Corp. is uniquely positioned to guide you with insight and practical advice to ensure that the mortgage product you choose is exactly right for you.
Call us today at 1-844-PF1CORP (731-2677)
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