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Mortgage documents

Guides on income proof, down payment proof, gift letters, approval conditions and the other documents lenders ask for.

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Directories

Borrower profilesMortgage guides for self-employed borrowers, newcomers, variable income, retirees, business owners and non-standard income files.

Financing

Down payment proofA lender has to trace your down payment over three months. A large unexplained deposit blocks a file more surely than a modest down payment does.Gift letter mortgageThe gift letter has to say who is giving, how much, and that the amount is not repayable. The wording lenders accept, and what gets it rejected.Mortgage approval conditionsTwo lenders at the same rate can end up thousands of dollars apart if you break the term. The conditions to read before you sign.Prequalification documentsThe document list for a prequalification, and why a statement missing one page sends the file back for clarification.Refinancing documentsMortgage statement, written penalty, tax bill, notices of assessment. The penalty on paper often differs from the one quoted over the phone.Renewal documentsIf you switch lenders, the new one starts from scratch: current proof of income, mortgage statement, tax bill. What to have four months before maturity.Self-employed mortgage documentsNotices of assessment, full T1s, financial statements: the documents a lender requires from a self-employed borrower, and the order to gather them in.

Services

Mortgage pre-qualificationMortgage prequalification: know your real budget, spot the blockers early and protect a rate before you start viewing homes.

Contact

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