Our Process

First, search rates and determine the best loan for your needs, then apply, and lock in the interest rate.

Second, forward the most recent copy of your mortgage statement to Certafund. If a copy of your mortgage statement can not be found we ask you to complete a letter of direction that will be sent to your lender.

Third, sign and complete the following.

• TMG Client Agreement - Authorizes, Certafund to obtain credit information and share with the various lenders.
• Form 10 - Conflict of Interest Disclosure Statement (BC Registrar of Mortgage Broker's form) - Discloses that TMG and Certafund are paid by the lender
• Salary Letter - Certification provided by your employer which confirms your salary and status with the company.
• Open / Fixed Disclosure Form of Credit. States the APR of the loan, and all costs associated with arranging the loan.
• Bank Statements - If required by lender, you may be asked to provide 3 -12 months worth of bank statements.
• Notice of Assessment - If required by lender, you may be asked to provide a copy of your last 2 years of NOA to verify either your income, or that you have no taxes owing.

Forth, we will order an appraisal of your new property and arrange for you to close your loan in an attorney or notary office - convenient to you and the seller.