Let’s Chat

Contact Joel Arndt – Mortgage Agent Level 2, a North Bay mortgage expert.

Are you:

• Wondering if you qualify for a mortgage?
• Renewing your current mortgage?
• Refinancing your home (or another property) to pay off debt or fund renovations?
• Looking for houses for sale and need a mortgage pre-approval?
• Self-employed and frustrated with banks telling your “no”?
• A first time home-buyer and confused about the whole process?

Let’s chat. Use this Calendly link to pick the date and time that work for you.

Each Step In Qualifying For Your First Mortgage

Step 1: Let’s Connect

The first step in qualifying for a mortgage is for us to chat, no strings attached. We’ll get to know each other and you can tell me about your goals and concerns. This is the perfect time for me to answer all of your initial questions about buying a home and qualifying for a mortgage. You can pick a date and time that works best for you here.

Step 2: Complete your application

I want the application process to be as easy as possible. Once we’ve spoken, you can complete a secure mortgage application right here. This provides me with the initial information I need to begin our work together.

Step 3: Gather your documents

After reviewing your application, I’ll provide you with a clear, concise list of documents that lenders will need to qualify you for a new mortgage. This may include things like proof of income, ID, tax forms, etc.

Step 4: Credit report & analysis

With your permission, I’ll pull a full credit report. Don’t worry—as a licensed mortgage agent, this doesn’t hurt your credit score, not like applying for a new credit card. It simply gives us a comprehensive view of your financial health, which is really important for getting the best rates.

Step 5: Debt-to-income ratio

With your credit and income documents, I will calculate your debt-to-income ratio and find out how much mortgage you could qualify for. With that mortgage qualification amount, you can go shopping for your first home.

Step 6: Submit to lender

Once you have an accepted offer in hand, I’ll submit your application to your preferred lender. From there it’s just a matter of working with the lender to satisfy all conditions and make sure everything goes smoothly right through closing. Then you get the keys and move in!