Do you charge any fees?+
No — my services are completely free to you. I'm compensated by the lender when your mortgage funds. You get expert advice and 50+ lender access at zero cost.
How quickly can I get pre-approved?+
In most cases within 24–48 hours of receiving your documents. Urgent situations can be expedited. Your rate is then locked for 90–120 days while you shop.
What documents do I need?+
Typically: 2 years of T4s or tax returns, recent pay stubs, 3 months of bank statements, and government-issued ID. I'll give you a personalized checklist after our first conversation.
Can you help if I have bad credit?+
Yes. I have access to B-lenders and private lenders who work with bruised or limited credit. These are stepping stones to rebuild credit and qualify for conventional financing in the future.