You got a mortgage pre approval and officially qualify for home buyer loans. Nice work!
FIRST STEP IS TO GET A MORTGAGE PRE APPROVAL TO BUY YOUR NEW HOME
Dreaming Of Owning a Home?
At Axcess Mortgage and Loans Financing, we want to make sure that while you dream big , you buy reality, ensuring your dreams come true without any pitfalls or nightmares. Especially if this is your first time home buyer mortgage.
Home Purchase Process Timeline
You will need a home buying process checklist to help you with negotiating a home purchase offer. Of importance is a home purchase process timeline:
- 1st is a Condition of Finance for all loans to buy a home. Your lender will need time to review your documents, evaluate the property you are buying, review appraisal if needed or confirm income with your employer unless you are getting self employed home loans,
- Appraisal Condition will be needed if you are buying a home with 20% down or more, your purchase is non-arms length, private purchase or a spousal buyout. With these types of purchases require an appraisal and your lender will need time to review and approve it,
- Your lender and lawyer will need a Condo Certificate Condition for condominium purchase,
- We recommend an Inspection Condition to ensure you are buying a structurally sound home.
How To Qualify For Mortgage
Contact us well before you start your home buying process so together we can go over your best mortgage options, especially if this is your about getting your 1st time home buyer mortgage.
Nice work! You officially get your mortgage pre-approval. Now let's find your dream home!
At Axcess Mortgage we will process the mortgage, take care of arrangements for home appraisal, your lawyer and the lender making your home buying process fast and easy.
If you are renting, be sure to notify your lender in writing, on the form specified in the Landlord and Tenant Act.
You must give your notice to vacate two months in advance on the first of the month.
- We will do a full assessment of your application and your best mortgage option,
- review documents needed to get you a mortgage you qualify for, paystubs, employment letter, down payment, etc.,
- discuss with you the costs involved in purchasing a home. If this is your first time home buyer mortgage, this is the time to discuss first time home buyers incentives accessible to you: any rebates and available government programs that may be helpful to you,
- while your real estate agent is negotiating a home purchase offer we have your back, helping you through the home buying process. Together we can assess the best options to get you the most growth on your home investment,
- review your conditions for financing, home inspections etc., to ensure they work to your advantage while establishing your “comfort zone” that fits your lifestyle and possible life changes you can anticipate over the next 5 years,
- We provide fully documented pre-approvals locking in your best interest rate so you can shop with confidence,
- finally, provide you with mortgage life insurance and disability insurance options,
- Now, you are good to make your offer to purchase of your new home and it have it accepted by the seller.
Nice work! You officially get your mortgage pre-approval. Now let's find your dream home!
At Axcess Mortgage we will process the mortgage, take care of arrangements for home appraisal, your lawyer and the lender making your home buying process fast and easy.
If you are renting, be sure to notify your lender in writing, on the form specified in the Landlord and Tenant Act.
You must give your notice to vacate two months in advance on the first of the month.
How Long Are Your Mortgage Preapprovals good for?
Depending your application and the lender, mortgage preapprovals are typically good for 90-120 days. If during this period interest rates drop, you receive the lower rate. If the interest rates increase, you still receive the lower pre approved interest rate.
Apply For A Mortgage You Qualify For
We'll get back to you within 24 hours
Buying a home is one of the biggest financial and lifestyle decisions you will make so be sure to plan ahead - think about what you really need and what you can afford.
At Axcess Mortgage and Loans Financing Co. Ltd., your online mortgage approval is fast and easy. We will do all the work; you just provide the documents needed.
- Mortgage pre-approvals simplify the buying process and take some of the pressure off your shoulders;
- Mortgage preapproval letter puts you in a strong bargaining position when make an Offer the Purchase because the Seller know that you are a serious buyer;
- Most real estate professionals want the home buyers to have a pre-approved mortgage in place before they take you out looking for a home. This is so that they can show you properties within your price range. You will know exactly how much money you can afford to buy a home, the interest rate, monthly payments, and other details.
At Axcess Mortgage and Loans Financing Co. Ltd., your online mortgage approval is fast and easy. We will do all the work; you just provide the documents needed.
WHY USE A MORTGAGE BROKER INSTEAD OF A BANK?
Why use a mortgage broker instead of a bank to get you the best mortgage pre-approval and online mortgage approval ... You ask?
No matter whether you are buying a new house, a swanky condo, getting your first time home buyers mortgage or you are self employed, it is one of the biggest investments you will make. We work for you not the banks, saving you time and money.
By going to the bank, you may miss out on the exceptional mortgage products offered through the mortgage broker channel custom fit to your unique needs.
When clients go to the bank to get their new home mortgage loan, they end up with the bank's own standard mortgage. Banks in Canada have a limited range of products designed to generate maximum profits for themselves. Their employees get paid bonuses for putting borrows into the bank's most profitable financial products.
Not only that, if you do not fit perfectly into their criteria box, you get declined.
By using a mortgage broker, you will get a best rate the first time without having to ask and a contract with optimal pre-payment privileges, to help you pay off your mortgage faster.
Not only that, when you go from bank to bank searching for a mortgage, each will pull your credit driving your credit score down. This makes it more difficult for you to qualify for a mortgage if things are not working out the way you hoped. When you go to a mortgage broker, we pull your credit once and re-direct it to appropriate lenders if needed for a fast mortgage approval. This protects your credit score.
Whatever your mortgage needs, from owner occupied to rental property mortgage, we have excellent mortgage products custom fit just for you.
No matter whether you are buying a new house, a swanky condo, getting your first time home buyers mortgage or you are self employed, it is one of the biggest investments you will make. We work for you not the banks, saving you time and money.
By going to the bank, you may miss out on the exceptional mortgage products offered through the mortgage broker channel custom fit to your unique needs.
When clients go to the bank to get their new home mortgage loan, they end up with the bank's own standard mortgage. Banks in Canada have a limited range of products designed to generate maximum profits for themselves. Their employees get paid bonuses for putting borrows into the bank's most profitable financial products.
Not only that, if you do not fit perfectly into their criteria box, you get declined.
By using a mortgage broker, you will get a best rate the first time without having to ask and a contract with optimal pre-payment privileges, to help you pay off your mortgage faster.
Not only that, when you go from bank to bank searching for a mortgage, each will pull your credit driving your credit score down. This makes it more difficult for you to qualify for a mortgage if things are not working out the way you hoped. When you go to a mortgage broker, we pull your credit once and re-direct it to appropriate lenders if needed for a fast mortgage approval. This protects your credit score.
Whatever your mortgage needs, from owner occupied to rental property mortgage, we have excellent mortgage products custom fit just for you.
you're getting the KNOWLEDGE NEEDED TO MAKE A sound DECISION. Nice work!
If you're frustrated wasting your time going from bank to bank shopping for a mortgage -- could we be your perfect answer?
You deserve and expert to assess and present your information to the lender accurately. There is no need for you to struggle through volumes of details, trying to understand all the mundane qualifying requirements - the different offers, rates, terms, features and hype. New mortgage features and options are being introduced every day. You are too busy with work and family to try and figure out which is your best solution.
That's where we come in.
Marie Copeland, owner of Axcess Mortgage and Loans Financing Co. Ltd. , Hamilton Mortgage Broker serving clients all over Ontario. You won't be disappointed, whatever your situation.
You deserve and expert to assess and present your information to the lender accurately. There is no need for you to struggle through volumes of details, trying to understand all the mundane qualifying requirements - the different offers, rates, terms, features and hype. New mortgage features and options are being introduced every day. You are too busy with work and family to try and figure out which is your best solution.
That's where we come in.
Marie Copeland, owner of Axcess Mortgage and Loans Financing Co. Ltd. , Hamilton Mortgage Broker serving clients all over Ontario. You won't be disappointed, whatever your situation.
