Starting your application.
I use a secure online application called Scarlett. It collects everything I need to underwrite your file properly — income, down payment, debt picture, ID. It takes most people about ten minutes. The submission lands directly on my desk, not a call centre.
Before you start, gather:
- Two most recent pay stubs (or T1 Generals + Notice of Assessments if you're self-employed)
- A letter of employment dated within 30 days — if you have one handy
- 90 days of bank-account statements showing your down payment funds
- Government-issued photo ID
- A rough sense of your debts: credit cards, car payments, student loans, lines of credit
Don't worry if you don't have everything. Get the application started, and we can fill in the rest together over a phone call. If your situation is urgent — a closing date, a renewal deadline, a power-of-sale notice — mention it in the notes section and I'll move you up the queue.
Anything I can answer first?
The application is the fastest path. But if you have a question that's stopping you from starting, send it to me. I'll come back to you the same day, usually inside a few hours.