Understand your Application Process

Step 1: Apply

Whether you want to refinance, transfer, or renew a mortgage or buy a new home, the first step is to apply. To make it simple, we offer three ways to start.

  1. Online – Today, most people I work with choose to apply online. If that’s you, click here and fill out the form. And don’t worry if you get stuck. Send what you can, and I’ll contact you to work through the rest together.
  2. By phone – Applying by phone takes around 10-30 minutes as I walk you through the form. After we’re done, I’ll ask you to fax or email your credit consent. Call 403-731-3156 to book your phone application.

Step 2: Get pre-approved

Once your application has gone through, I’ll give you a call to confirm your pre-qualification. Then, we’ll go over your financial goals and see what you need from a mortgage. When we have all your targets lined up we finalize a full pre-approval with documents to verify.

Once you have your pre-approval in hand, you can move forward!

If you’re working with a realtor to buy a home, show them this video:

Step 3: Submit your mortgage for approval

With your plan and pre-approval ready, we begin the search for the right mortgage for you. That means finding the right lender, product and interest rates that meet your goals, whether that’s searching for a new home, securing the best mortgage renewal options, lining up the perfect refinance to access the equity in your home for renovations, paying off debt, or increasing your investing portfolio.

Step 4: Conditional approval

When we’ve found the perfect mortgage for your goals, I will finalize the custom approval. Then, you’ll sign it and you’re just one step away from the finish.

Step 5: Financing conditions now complete

One last meeting with your lawyer or title company to register your new mortgage to your property’s title and you're done!

When you work with a mortgage broker, you get a partner who’s on your side, not the bank’s. Together, we will find the mortgage that will help you achieve your long-term financial success.