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Our Process

You need to understand each step of the experience,
so, we’ve made our process simple.
You’ll get a better understanding of our process with the outline below.

Step 1

Initial Consultation

Whether on the phone or in person, we’d like to get to know you. You’ll answer a few questions to help us better understand what you’re looking for. You’ll have the opportunity to explain your short-term & long-term mortgage goals which we can use to find a solution that is going to set you on the path of achieving those goals.

Step 2

Collecting Key Information

At this stage, you’ll provide “applicant-specific” information such as permission to obtain a credit report and other relevant documents to the application process. Other examples of information include Bank statements, Income statements, mortgage statements, etc. Keep in mind that the information needed is specific to you and the types of documents needed may also vary accordingly. Don’t worry we will guide you on specifics when we get to this stage.

Step 3

Submit Your Application To The Right Lenders

Now that you've shared your story and mortgage goals, we have a good understanding of the type of mortgage that would be best for you and the banks that are best suited to help. Through CMS, you’ll have access to more than 40 banks, including major banks and credit unions. Dealing with multiple bank and lenders allows us to influence and negotiate significantly on your behalf. With your green light, we’ll now submit your application to the right banks for review.

Step 4

Review Lender Approval Documents

Once you're approved, the bank will issue a Letter of Interest or Commitment Letter outlining the details of the recommended mortgage solution. At this stage, you’ll have time to thoroughly review the approvals with us. Once we have answered any questions you might have, you’ll sign the chosen approval which allows us to continue onto the next step.

Step 5

Review And Assemble Your Complete Package

Now that you've signed the mortgage approval letter and have met each of the banks prerequisites, we will collect and assemble the final mortgage package including all of the necessary supporting documents required by the bank. Once everything is ready to go, we will submit the finalized package including a “Letter of Direction” to your lawyer for closing.

Step 6

Meet With Lawyer To Finalize Paperwork

Once your lawyer has received instructions from the bank, they lawyer will review the documents and closing costs with you, confirm your identity and have you sign any outstanding paperwork. The mortgage funds will be transferred to your lawyer on closing day to then be forwarded to the appropriate payee. At this stage, you’ll be congratulated on completing the mortgage process and getting the right mortgage for your needs!

Step 7

Our Continued Support

Now that you have successfully closed your mortgage, we would love your feedback to help us improve what we do. We want you to be happy about your mortgage experience and our process, so much so that you would be inclined to refer your friends and family to us. We want to take care of them just as we did with you. Remember, that we are always here for you if you should need us again. We don’t believe in transactional relationships, we want to continue to support you throughout your journey to mortgage freedom. For you, we are always just a phone call away!

Step 8

Get Involved

View our team of professionals for more information regarding our experience.