Take 5 Minutes to Find Out your Mortgage Approval Timeline

With our qualification process, we can set you up with an action plan no matter where your credit situation is. Whether you require credit rebuilding or new tradelines to qualify for the mortgage, we got a plan for you.

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Mortgage Qualification Process

Mortgage Approval Timeline

By answering a few simple questions, we can determine your current financial situation and the steps that are required for you to qualify for a mortgage. We are affiliated with the majority of financial institutions around Canada and are able to help clients get financing, when traditional banks might not.

We took the time to break down the Mortgage Qualification Process into 5 Stages. Please take the time to review the stages of the mortgage approval below:

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The 5 Stages of Mortgage Qualification

MORTGAGE JOURNEY
Stage 1

Credit Repair

  • Clients who do not have any Down Payment
  • Clients who have no Tradelines or new credit
  • Clients who have not obtained a Car Loan
  • Clients whose credit is suffering
  • Client who is in Repossession
  • Clients who are in Bankruptcy or Consumer Proposal

How we help these clients:

  • We provide services that help these clients start with small amounts of credit, and build up their financial history in order to obtain low rate financing in the future.

Stage 2

Basic Small Tradelines

  • Clients who do not have any Tradelines
  • Clients who require Personal Loans (revolving Tradelines)
  • Clients who do not have any Down Payment
  • We partnered up with trusted financial companies in Canada that will help you obtain a credit card or line of credit. With consistent payments of these line of credits, you will see significant increase in your credit score.

Stage 3

Large Financial Tradelines

  •  Client who do not have any Installment Tradelines (Car Loan)

How we help these clients:

  • We partnered up with an auto financial company in Canada in order to help these clients get approved for a car loan, regardless of their credit situation.

Stage 4

Rent-to-Own Ready

  • Client who do not have 2-5% Down Payment
  • Client who have Clean Credit (average or above)
  • Client who are not under a Rental Contract

How we help these clients:

  • We help clients obtain a home of their choosing and get them financed on a short-term rent to own plan to help them save and obtain a mortgage on that home.

Stage 5

Mortgage Ready

  • Client who have 5-10% Down Payment
  • Client who have Great Credit
  • Client who are Pre-approved for Mortgage and transferred to purchase a property.

How we help these clients:

  • We help clients obtain a low rate competitive mortgage, and help them get connected with the right realtors and lawyers to purchase a competitively priced home.

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