The Refinance Process
Some rates come with conditions that may not support your longterm goals and there are things we look out for.
01. Complete Intro Form 2 min
It all starts with a simple "Who are you?" form. Once this is completed one of our team members will reach out and set you up with an application. Click below to start the form:
02. Request Application 5–10 min
After we connect with you, a formal application will be supplied which is to be completed so we can begin shopping it to lenders.
03. Document List Provided 20 min
Based on your employment and financial situation the documents needed will vary, so at this stage, we will narrow down exactly what we need from you to succeed in getting the best rate.
04. Mortgage Goal Planning 30–60 min
Now it is time to dig deep and define exactly what you want, how we are going to get it, what we can afford and answer any questions you may have.
05. Certificate of Pre-Approval
Time to start shopping! Now that you know what you can technically afford it is time to get a great realtor who will help you shop for the property you want.
06. Lender Selection 10 min
You have narrowed in on the home you want and this is our time to search for the absolute best rate possible and send it off for final approval.
*at this stage we usually find better rates than when you were pre-approved
07. Approval Package Review 15–45 min
Congratulations you only have the mortgage paperwork left, but don't worry, we guide you through it page by page.
08. Closing Time 5–10 min
Now your mortgage is complete and your journey to owning your property is pretty much done. All that is left is meeting with the lawyer and finalizing a couple of final details.