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 3 Unique Mortgage BidsChoose 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. The Pinsky Home Buying Process 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. array(4) { [0]=> string(85) “https://pinskymortgages.ca/wp-content/uploads/2022/06/iStock-1322925955-1600×1067.jpg” [1]=> int(1600) [2]=> int(1067) [3]=> bool(true) } [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. array(4) { [0]=> string(78) “https://pinskymortgages.ca/wp-content/uploads/2022/06/Team_Header-1600×900.jpg” [1]=> int(1600) [2]=> int(900) [3]=> bool(true) } [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. array(4) { [0]=> string(74) “https://pinskymortgages.ca/wp-content/uploads/2022/06/Agents-1600×1067.jpg” [1]=> int(1600) [2]=> int(1067) [3]=> bool(true) } [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 array(4) { [0]=> string(82) “https://pinskymortgages.ca/wp-content/uploads/2022/06/Our-Services-1-1600×1067.jpg” [1]=> int(1600) [2]=> int(1067) [3]=> bool(true) } [11] Completion Day On the completion day, your lawyer will handle the money and title transfer on your behalf. Personalized Mortgage {} 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. Book A Free Consultation. You should get the best mortgage possible! Request a free consultation and we’ll handle the rest. First & Last Name Phone Email How can we help? How did you hear about us? Select ItemReferralIndustry eventGoogle searchSocial mediaOther Book Now Our Services Learn More First-Time Buyer? We are here to help you learn more about the mortgage process & how to find the best mortgage solution for you! Button navigation Learn More Renew / Refinance? Congratulations on your maturing mortgage… Now let us help you get a better rate! If your mortgage renewal is fast, now may be a great time to look at the other mortgage options and competitive rates that are available. Button navigation Learn More Advanced? For those looking beyond the more standard mortgage options, we can help you find the right advanced strategy for your home. Button navigation