The will, the liquidator’s appointment, how far along the settlement is, and who the other heirs are. A lender needs to know who will hold title when the money is released, not who is supposed to inherit down the road.
Lenders differ, so order matters
Each lender has its own view of income, property types and credit. One decline doesn’t predict the next answer. That’s exactly why the order you submit in counts.
Send it complete
A file that’s complete the first time avoids the round trips that add weeks. Line up income proof, down payment records and property documents before submitting. Short deadline? That’s what keeps it realistic.
Documents to gather
What the lender will ask for.
Goal of the file
Income and paperwork
Debts and credit
Property or security
Timeline
Lender options
Frequently asked
Can a house still in an estate be financed?+
Not before the title transfers. A lender finances whoever owns the property, and that needs a settlement that’s far enough along. The notary handling the estate is the best place to start for a realistic timeline.
What documents do I need to pull together?+
Your last two notices of assessment, recent pay stubs, an employment letter, three months of bank statements and proof of your down payment. Add the written agreement or the estate documents. Have them ready before you make an offer, or a short financing window becomes unrealistic.
Current rates
Today’s rates, with the fine print.
These rates are indicative. Yours depends on your file, the type of mortgage (insured or not) and the lender. And look at the penalty too, it matters as much as the number.
Buying, renewing, refinancing, or something a bit out of the ordinary: tell us where you’re at, even if it’s still fuzzy. Mathieu gets back to you with next steps and the documents to pull together.
