Find out the exact notary date, where your file stands, and what’s actually blocking it. Asking the seller for a short delay early almost always costs less than a private loan scrambled together in a hurry.
Different lenders, different rules
Each one has its own view on income, property and credit. So one decline doesn’t predict the next answer, and the order you go in can change the outcome.
Send it complete
A file that’s complete the first time skips the back-and-forth that adds weeks. Income proof, down payment records and property documents ready before you submit. That’s what makes a tight deadline realistic.
Documents to gather
What the lender will ask for.
Goal of the file
Income and documents
Debts and credit
Property or security
Deadline you’re facing
Lender options
Frequently asked
What if my financing is not ready for the notary?+
Ask the seller for a delay before the date, not after. Extra time is much easier to get when you ask early. A private loan stays a last resort, and what it costs is reason enough to explore the delay first.
Which documents should I gather?+
Your last two notices of assessment, recent pay stubs, an employment letter, three months of bank statements and proof of your down payment. If they’re ready before the offer, a five-day financing condition is workable. If not, you’re adding weeks.
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.
