Renewing, Refinancing or Need Some Extra Mortgage Advice?

We work for you to deliver unbiased mortgage advice while offering you choice of mortgage options for each and every one of your mortgage needs.

In the mortgage industry, great service begins with assessing affordability and ends with truly satisfied clients that want to refer us to their friends and family.

Learn More

Choose from at least 3 different mortgage bids from lenders who are competing for your mortgage business.

For many clients, rate is the most important driving factor for their mortgage. However, in many cases, the mortgage options and flexibility that comes with each lender’s mortgage are more important.

In most cases, the penalties and inflexibility of a mortgage should make it a deal breaker. It’s up to you…

We provide each of our clients with at least three choices for their BC mortgage. Each choice is a different product, generally from different mortgage lenders. Your choice will be influenced by things like rates, pre-payment privileges and penalties, and mortgage flexibility.

We’re looking forward to providing you with the mortgage advice and service all of our clients and referrals have come to expect.

[01]

Review lenders, mortgage options, and mortgage types

Not all mortgages or lenders are created equal. We will go over available mortgage options and highlight the features you may want based on your future financial goals.

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[02]

Determine a timeline for your purchase

Your purchase timeline dictates whether a pre-approval should be started or, if you have a home under contract, a firm approval should be processed right away.

[03]

Submit required documentation

Your pre-approval is contingent upon lenders having your income documentation, down payment confirmation, and your credit bureau.

[04]

You and your Realtor will analyze your needs, wants and priorities for your new home

Determine the type of home you are interested in purchasing. Your Realtor will help you find and rate properties based on criteria you create together.

[05]

Tour properties with your Realtor

After looking at properties, you will find a home that fits your needs.

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[06]

You and your Realtor decide on a desired purchase price

The sellers will either accept, reject, or counter your offer. This process will go on until a mutual agreement is met.

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[07]

Provide property information to Pinsky Mortgages

Submit your closing contract, MLS listing, Property Disclosure Statement and Form B with its attachments.

[08]

Mortgage submission and your 3 Unique Mortgage Bids

With a closing date in mind, we will be able to provide you with 3 competitive mortgage bids for your mortgage. Your initial pre-approval will be included in your options.

[09]

Property due diligence

Have the home inspected by a qualified home inspector, read the strata minutes (if applicable), and become acquainted with any other relevant property information. At this time, an appraisal may be required by the lender.

[10]

Make arrangements

Make arrangements with your:

Conveyancing lawyer or notary
Home insurance specialist
Personal insurance specialist
Movers or book your moving truck

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[11]

Completion Day

On the completion day, your lawyer will handle the money and title transfer on your behalf.

Together we develop mortgage strategies with pre-payment scenarios tailored just for you. This important step allows you to pay down your mortgage faster while paying less interest overall. Most importantly, we go over “Payment Shock” and how to avoid it.

You should get the best mortgage possible! Request a free consultation and we’ll handle the rest.

Learn More

Renewing, Refinancing or Need Some Extra Mortgage Advice?

We work for you to deliver unbiased mortgage advice while offering you choice of mortgage options for each and every one of your mortgage needs.

3 Unique Mortgage Bids

Choose from at least 3 different mortgage bids from lenders who are competing for your mortgage business.

The Pinsky Home Buying Process