How it works
Simple steps, no surprises.
From a free first call to the day you get your keys, here's exactly what happens and what you'll need.
Step by step
From hello to house keys in four steps
Twenty minutes, no paperwork, no credit check. Tell me your goals and I'll tell you honestly what's possible.
I gather your documents once and check your numbers against today's rules, so you know your budget before you shop.
I compare options from several lenders and explain the trade-offs plainly: rate, term, penalties and flexibility.
I work with your realtor and lawyer through closing, then check in well before your renewal.
Be ready
What to have handy
You don't need any of this for the first call. When we get to pre-approval, I'll send a secure way to share it.
Everyone
- Photo ID
- Proof of where your down payment is coming from
- Details of any debts, like car loans or credit cards
If you're employed
- A job letter
- Two recent pay stubs
- Your last two T4s or Notices of Assessment
If you're self-employed
- Two years of T1 Generals and Notices of Assessment
- Business licence or articles of incorporation
- Six months of business bank statements
Good to know
Alberta numbers worth knowing
- Minimum down payment on the first $500,000 of a home
- 5%
- Longest insured amortization for first-time buyers
- 30 yrs
- Lifetime First Home Savings Account limit, tax-free
- $40,000
- Land transfer tax in Alberta. Only small registration fees
- $0
From first call to keys
One person, start to finish.
The same friendly voice from your first question to closing day, and again when it's time to renew.
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