Ranjit Dhaliwal

Ranjit Dhaliwal - 905-789-1166

Mortgage Process

What we need from you...

Providing all of the required documentation ensures that we can efficiently process your mortgage application. We will advise which of the following you will need to provide:

• Agreement of Purchase and Sale
• MLS Listing
• Contact information for your lawyer: name, address, phone and fax numbers
• 2 pieces of personal identification for all parties involved
• Income and employment verification
• Recent pay stub(s)
• Letter of employment
• T4(s)
• Notice of Assessment(s) if self employed (NOAs)
• Proof of Down Payment: 3-month history of savings/investments
• Gift letter with bank statement
• Void cheque
• Copy of home insurance policy

An appraisal of the property may also be ordered. 

What you can expect from our team!

We like to roll up our sleeves so we get to know each other better. We like to completely clear on your needs today and your goals for the future. We will send your application to the lender (or lenders) that can best meet your needs. We deal with over 50 lending institutions, including major banks, credit unions, trusts and other national and regional lenders, which means we can put significant negotiating power to work for you. This wealth of product choice helps us find the best mortgage to fit your specific financial situation.

After your mortgage closes, we will continue to stay in touch with ongoing communications and an annual review, because life doesn’t stand still and your mortgage needs can change over time. As your needs and situation shift, we will tailor your mortgage plan so that it always fits your current goals.

Please refer us to your family, friends and colleagues!

 

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Ranjit Dhaliwal
Mortgage Broker / President Clarity Financial Inc
Contact

70 Delta Park Blvd, Unit 13
Brampton, ON
L6T 5E9

Ph: 905-789-1166
Cell: 416-992-7265
Fax: 905-789-7666

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Clarity Financial

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Clarity Financial Inc.
70 Delta Park Blvd, Unit 13
Brampton, ON L6T 5E9
FSCO Lic. #12597