Question 1

How do I get pre-approved for a mortgage in Vancouver?

Accepted Answer

Getting pre-approved is simple! Contact me with your basic information (income, down payment, credit score), and I'll work with multiple lenders to find the best pre-approval for you. Pre-approval typically takes 24-48 hours and is valid for 90-120 days.

Question 2

What documents do I need for mortgage approval?

Accepted Answer

You'll need: proof of income (pay stubs, T4s, NOA for last 2 years), down payment source verification (bank statements showing 90-day history), government-issued photo ID, and recent credit report.

Question 3

What's the minimum down payment in British Columbia?

Accepted Answer

In BC, minimum down payment depends on home price: 5% for homes under $500,000, 5% on first $500K + 10% on remainder for homes $500K-$1.5M, and 20% minimum for homes over $1.5M.

Question 4

Do you work with self-employed borrowers in Vancouver?

Accepted Answer

Absolutely! I specialize in self-employed mortgages throughout Metro Vancouver, working with lenders who understand self-employed income structures that traditional banks might decline.