Residential Purchase

• Offer of Purchase & Sale
• MLS Listing (if available)
• Residential Financing Application (must be signed by all applicants)
• Income verification, Job Letter, Pay-stub, Notice of Assessment (NOA) – two years
• If self-employed: business bank statement, GST/HST registration, Business License

Residential Refinance

• Our Residential Financing Application (Must be signed by all applicants)
• Income verification, Job Letter, Pay-stub, Notice of Assessment (NOA) – two years
• If self-employed: business bank statement, GST/HST registration, Business License
• Current property tax bill
• MPAC statement
• Property deed

Commercial Building Purchase

• Offer of Purchase & Sale
• Articles of incorporation for the company borrowing
• Notice of Assessment (NOA) of the principals (current)
• Year-end Financial Statements of company on the offer
• Interim Statements (Balance Sheet & Income Statement) if the year-end was more than 6 months ago
• Rent roll
• Property tax bill of the building
• Receipts of major building expenses (if available) for previous year
• Leases (if available) for the building
• Appraisal and environmental assessment phase one
• Current digital pictures of exterior of the building

Commercial Building Refinance

• All of the above items indicated in “Commercial Purchase”
• Current Mortgage Statement
• Property deed

Line of Credit and Loans

• Signed LOC Application
• Income verification, Job Letter, Pay-stub, Notice of Assessment (NOA) – two years
• If self-employed: business bank statement, GST/HST registration, Business License
• Financial statements of the company

*Additional documentation may be required depending on credit history and financing request.