Below, you will find a detailed explanation of each document possibly required to fund your mortgage. Please forward what you can when you can – there is no need to save it all for one big fax or email. The sooner we receive each document, the better prepared we are to address any questions that arise.

All documents must be scanned or photographed into PDF format and emailed to antonio@mortgage4less.ca. PLEASE TRY TO SCAN AT NO GREATER RESOLUTION THAN 300 DPI. Check out CamScanner app it allows you to scan and send docs in a PDF format right from your smart phone or tablet. Awesome application!

Trouble with PDFs? Download cute pdf writer for FREE – a fantastic program that installs on a PC like a printer driver. It allows one to “print” just about anything into a PDF document.

For MAC & newer PC users, select “Print” and then choose the printer driver “Save as PDF” from the menu.

Employment Documentation

 Employment/ Job Letter
This letter must be dated within 30 days of: The offer written to purchase or the application for renewal or refinance.

IT MUST STATE YOUR START DATE, ANNUAL BASE SALARY (ALONG WITH BONUS INFO IF APPLICABLE) AND JOB TITLE. ONE SIMPLE SENTENCE.

It must also have a signature from the author along with his/her title and phone number. It is important that the author be accessible by telephone.
THE LENDER WILL CALL TO CONFIRM EMPLOYMENT DETAILS IN 100
PERCENT OF CASES.

Your most recent pay-stub

The last two years T4s and/or Notice of Assessment (NOA)

 

BUSINESS OWNERS

  The two-page document from the corporate binder titled “NOTICE OF ARTICLES.”
This demonstrates who the share-holders of the company are.

Copy of business license.

  Two most recent fiscal years’ business financial statements.
These must be accountant prepared.

Notice of Assessment (NOA)
For the last two tax years (Note the tax year date, not the mailing date.)

 

Other possible required documents

 T1 Generals
Used to see the break down of income.

 Last six months bank statements

 Separation Agreement – If applicable

 Bankruptcy Discharge – If applicable