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01
Purchase
Step 1: Partner with Wilson Mortgage. Wilson Mortgage, in collaboration with Dominion Lending Centres, offers unparalleled expertise, access to 90+ lenders, and decades of trusted advice. Count on us for unbiased, expert guidance tailored to your needs.
Step 2: Buy What You Can Afford Comfortably with Wilson Mortgage. Your budget, not just bank pre-approvals, dictates your comfort level. Wilson Mortgage considers all factors: home age, renovation plans, retirement, education, and savings goals to tailor the perfect mortgage for you.
Step 3: Understand the Changing Rules with Wilson Mortgage. Wilson Mortgage navigates the complexities of new regulations, ensuring a smooth application process amidst changing rules and regulations.
Step 4: Prove Your Down Payment with Wilson Mortgage. Stricter anti-fraud rules require verifiable sources for down payments. Wilson Mortgage guides you through the necessary documentation to secure your mortgage efficiently.
Step 5: Prepare for Tomorrow's Unknowns with Wilson Mortgage. Wilson Mortgage ensures your mortgage terms are flexible to accommodate life's uncertainties, safeguarding your financial well-being.
Step 6: Grasp Mortgage Terms and Conditions with Wilson Mortgage. Beware of hidden costs behind enticingly low rates. Wilson Mortgage deciphers the fine print, ensuring you're fully informed before signing on the dotted line.
Step 7: Consider Your Risk Tolerance with Wilson Mortgage. Wilson Mortgage helps you determine the best fit for your comfort level, whether it's low initial payments with variable rates or stability with fixed rates.
Step 8: Gather Your Paperwork Efficiently with Wilson Mortgage. Wilson Mortgage provides a comprehensive checklist tailored to your situation, streamlining the application process for a hassle-free experience.
Step 9: Renewal Preparation with Wilson Mortgage. Don't settle for subpar rates at renewal. Start early with Wilson Mortgage to explore your options and secure the best deal for optimal savings.
Step 10: Welcome Home with Wilson Mortgage! Congratulations! You've successfully navigated the mortgage journey with Wilson Mortgage's expertise. Enjoy the security of low rates and sound advice. Ready to take the next step? Contact us today!
02
Our Process
The Wilson Way
At Wilson Mortgage, we strive to make the mortgage process as seamless and stress-free as possible. Here’s a step-by-step guide to how we help you secure the best mortgage for your needs:
Initial Consultation
Get to Know You: We start with a thorough consultation to understand your financial goals and needs.
Assess Your Situation: Review your current financial situation, including income, debts, and credit history.
Set Objectives: Define your mortgage objectives and preferences.
Pre-Approval
Gather Documentation: Collect necessary documents such as proof of income, employment verification, and credit reports.
Credit Check: Conduct a credit check to determine your eligibility.
Pre-Approval Decision: Provide a pre-approval letter indicating how much you can borrow and at what rate.
Mortgage Options
Research Lenders: Explore a wide range of lenders to find the best rates and terms.
Present Options: Offer you a selection of mortgage options tailored to your needs.
Expert Advice: Provide insights and recommendations based on your financial situation and market conditions.
Application Submission
Complete Application: Help you fill out and submit the mortgage application.
Submit Documentation: Ensure all required documents are submitted to the lender.
Follow-Up: Track the application process and keep you informed of its status.
Approval & Closing
Conditional Approval: Receive conditional approval from the lender, subject to certain conditions being met.
Fulfill Conditions: Assist you in meeting any additional requirements or conditions set by the lender.
Final Approval: Obtain final approval from the lender.
Closing Process: Coordinate with all parties involved to ensure a smooth closing process.
Post-Closing Support
Ongoing Support: Continue to support you after the mortgage closes, answering any questions you may have.
Rate Monitoring: Monitor interest rates and market conditions to help you take advantage of potential refinancing opportunities.
Annual Review: Conduct an annual review of your mortgage to ensure it still meets your needs and objectives.
03
A note
From Cam Wilson:
Wilson Mortgage is proud to partner with Dominion Lending Centres, one of Canada’s most trusted mortgage networks. This partnership allows us to offer our clients a wide variety of mortgage solutions tailored to their unique needs. Whether you're looking for competitive rates, flexible terms, or specialized financing options, our access to Dominion Lending's extensive resources ensures that you receive the best possible service. Serving the Niagara Falls and St. Catharines area, we combine local expertise with the strength of a national network to help you achieve your home financing goals with confidence and ease.
A mortgage is a Canadian’s biggest debt. Make the right arrangements from someone you trust.
Cam Wilson
Mortgage Agent Level 2
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