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Buying a home is the largest purchase most people make during their lifetime. At Dominion Lending Centres Mortgage Force, we want to educate each and every client with the mortgage process. We strive to provide info not only about getting a mortgage but also about buying a home. The home buying process is typically split into a few steps outlined below:
1. Initial PlanningAt the planning stage, you must decide if owning a home is right for you. You must gauge your financial fitness, and readiness to take on the responsibility of homeownership. At this stage, you must decide where you want to live, establish a personal budget, build your dream team of sales, and mortgage professionals, and prepare yourself for homeownership. We can recommend our proven network of realtors, lawyers, inspectors, etc. to you.
2. Mortgage Planning/ Pre-approvalAt the Mortgage planning/ Pre-approval stage, it’s important to contact us so that we can start talking about how you’re going to finance your dream of homeownership. Set aside 1- 1.5 hours so that we can properly educate you on the steps of homeownership. We will also run calculations to check what your maximum mortgage approval amount will be based on your income, existing debts, and down payment. We will also have a discussion in regards to rate, and specific products that we recommend based on your personal situation and goals. If you’re ready for a pre-approval, we will gather all the relevant information for that. If you just want to come in to just have a conversation, we’re fine with that too! Our services are completely free to use, so contact us today to set up a time to meet at your convenience.
3. House HuntingThe house hunting stage is probably the funnest part of the whole process. Once you’ve spoken to us, and know your budget, and financial health, it’s time to go house hunting! You will view many houses with your sales professional until you find one you love. Your licensed realtor will note your likes/dislikes and show you homes that match your criteria.
4. Preparing an Offer and AcceptanceOnce you’ve found a home you love, you will negotiate and prepare a written offer with your realtor based on many factors. This offer will accompany conditions (financing, inspection, condo doc. review, etc), a condition removal date, and possession date. This offer will accompany a deposit that will go towards your down payment. The seller then has the option to accept, decline, or counter-offer. Once a price and terms/conditions agreement has been reached, it’s considered a “pending” deal. Don’t worry, you can back out at any time before your condition removal date.
5. Mortgage FinancingEven though you might have been pre-approved for your mortgage, we will need to submit a “live application” with the property details. Once we submit a “live application”, we will usually get approval back in 24 hours. We will go over your approval and explain the rate, and your mortgage terms and conditions/ You will then work with us to tick off all the document requirements of the approval (income confirmation documents, down payment confirmation, etc. ) We will tell you with the file is complete on our end, and when all the lender conditions are removed. The lender will send the final documents for signing to a lawyer of your choice. Once all of the lender requirements have been met, you are all set to move on to the next steps!
6. Condition RemovalOnce you’re all approved for your mortgage it’s time to order the inspection (if applicable) and remove final conditions. Your realtor will guide you through this process. Once you have removed the conditions, the deal is now binding.
7. Meeting with the LawyerCanadian institutions fund mortgages through lawyers. You will also sign the final legal documents associated with your home purchase transaction. Lawyers ensure that Buyers are protected against title issues and other potential problems with the legal aspects of the purchase. Lawyers also ensure the smooth transition of funds from one party to the other.
8. Possession DayThe final step is taking possession of your new home! You will typically receive the keys between 12 and 2 pm but can arrange to pick them up later if you prefer. Congratulations on your new home! Whether you are a first-time or experienced buyer with excellent credit, the Edmonton’s Mortgage Force Team has access to the best products and rates available across Canada. Give us a call; you’ll be surprised how much of a difference we can make for you.
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We worked with Jody Vig, and she was absolutely amazing. She helped us find the right mortgage solution to make the dream of owning our new home a reality. I would 100% recommend The Mortgage Force Team! My husband and I will definitely be calling Jody for our next home purchase and all our other mortgage needs! Thank you so much!
With the first purchase of a home, we contacted Jody and were extremely pleased with the dedication she showed during the entire process. Not only was she friendly, and kind, but she welcomed us into the process of getting set up for a mortgage so there was no room for confusion. When we did hit an obstacle, she worked extra hard to ensure it didn’t negatively affect the mortgage rate we could get. Highly recommend working with her and cannot say thank you enough!
Positive: Professionalism, Quality, Responsiveness, Value
Prior to deciding on a Mortgage Company, I did my research, but more importantly, I read the reviews. One review stood out. The review praised their professionalism, dedication and eagerness, but most of all the personal connection and positive experience of these clients.
That individual that clients spoke of was Jody at the Mortgage Force Team. It wasn’t just about the professionalism. It was her dedication and care, and in knowing that we weren’t just another client.
In spite of where our world is, there are still kind people. Thank you Jody for giving 110% of yourself.
It has been a pleasure travelling this road with you. Jody at The Mortgage Force Team, highly recommended!
Positive: Professionalism, Quality, Responsiveness, Value
Would highly recommend working with Jody Vig and her team.
My husband and I were able to get in contact with Jody whenever we needed and she keep us in constant communication at all points of the home buying process. We felt our needs were a priority to her throughout the entire process.
Jody has very flexible hours and made purchasing an easy journey, even through the holiday season.
We will be dealing with Jody for all of our future home purchases!
Positive: Professionalism, Quality, Responsiveness, Value
We were trying to buy an investment property. But due to my wife’s low credit score, it is difficult to secure a loan. Jody from the Mortgage Force helped on this matter. She worked very hard. She contacted different vendors. Finally she was able to get a mortgage with satisfied rate. She is responsive, professional and friendly. I would highly recommend her if you want to get a mortgage.
I would like to thank Jody for helping me and my partner get approved for our first home. Jody is an amazing broker and she was always readily available to answer any questions that we had (as a new home buyer I had A LOT). Jody was very patient throughout the entire process and made the experience of getting a home very comfortable. I’m very happy with the rate that we got. Thank you so much. 🙂
p.s this company came at the recommendation of my friend Dima Perelman and I’m very happy that I went with his suggestion.
Positive: Professionalism, Quality, Responsiveness, Value
The mortgage force team was great, especially Jody. We worked with her on a very rushed deal and she worked day and night for us. They were very responsive and helpful. The mortgage force team also had great recommendations for other services. Highly recommend.
Jody was wonderful to work with. As a first time home buyer she made sure to explain all aspects of the process in detail. She answered all questions I had, and even called me on the weekend to discuss a time sensitive manner. I would definitely recommend her to anyone looking to purchase a home.
Jody was fantastic to work with. She reigned calls, texts and emails promptly. Helped explained certain aspects of the process in a way that was very understandable. I would recommend her to anyone!
Positive: Professionalism, Quality, Responsiveness, Value
We cannot thank Jody enough for all the hard work put in to get us approved for our Mortgage. She was there to answer questions at any time of day & to help us out with whatever we needed. We will 100% recommend her to our family & friends! Thank you so much Jody!!
Jody was great to work with she helped us through every step, helped us whenever we needed. She’s awesome thanks again.
Jody was so amazing, she explained every detail so that what could have been a stressful experience was anything but stressful. She was so supportive and helpful. She made you feel like family and that you were important. I am so grateful to be a home owner and I have Jody to thank for it!
If you are looking for a mortgage place this is the place to be ! U have arrived ! Jodi was honestly God-sent ! Absolutely no way we would have our home if it wasn’t for her! I can’t thank you enough Jodi . From the first day we met with her she took the time to just educate us on things and then laid out what was actually financially and realistically possible for us and I am forever grateful . As first time home buyers I felt like she held our hand all the way to the finish line making sure everything worked out . She is professional ,kind, very responsive to any questions ! Jodi you are absolutely AMAZING! I honestly don’t think there is enough space here to express how awesome she is !
Jody is the person to see if you’re looking for a mortgage. It’s like getting advice from an old, trusted, and caring friend or family member. She determines your needs, provides you with (and explains) the most viable options, and then quickly implements action. After our first experience with her years ago, retaining her services again was a no-brainer.
Jody Vig was amazing, she was very clear, detailed and easy to work with. Always kept us in the loop when we needed to do something. I highly recommend her and the Mortgage Force Team. Thanks to her we have a new beautiful home.
JODY IS THE BEST !!!
For my first mortgage, i went so many other institutions and i wasn’t satisfied ,was being stressful and also wasting my time.
Fortunately, I googled Mortgage Force Team and dealt with Jody. As a first time home buyer, she explained me very professionally and its important for me to be understood those questions.She went above and beyond and explained every bit of it.She was available every time for every sort of help.She made sure she explained the process very clearly also kept me informed throughtout the process. She gave me the best deal ever and saved my money.
I would highly recommend Mortgage Force Team and they also guide you very well.They will give you best rates and will save your money.
Once again,Thanks a lot Jody .
We were helped for our mortgage needs by Jody, she was a great professional to work with. Being a first time home buyer had some many questions, she understood and was readily available to answer. She made sure to explain all aspects of the process in detail and ensured things got done in a timely manner. She had great experience and was able to offer us with the right mortgage solution to our situation. Our thanks to Jody and all best wishes to the mortgage force team!
My husband and I had the most wonderful experience with Jody, she was so helpful, understanding and supportive. She answered the million questions I had, walked us through each process, was a great fit for us. I would recommend this group 100%
Jody is a remarkably thorough professional who shares every minute detail of the process. She makes sure to have everything ready and cross check multiple times before putting in formal application maximizing the chances of approval from lender.
Jody was phenomenal to work with and got us into our home quickly, working under tight time restraints. As first time home owners we had endless questions that she answered extremely quickly, even answering our calls, texts and emails over the weekend. We are so happy to have her on our side through the stressful process of buying a house and highly recommend her to anyone looking to purchase a home!
We got our mortgage through Jody, and she was great to work with, and cannot recommend her enough! She was easy to get in touch with and was super responsive to our questions, letting us know if/when we needed to submit more documents. It was a pretty quick process, and we felt we got a great rate. Thanks again!
All I can say is, WOW!!! The patience, the care, the coaching. this journey started with a lot of coaching from Mortgage specialist with Dominion Lending, Jody. As an inexperience buyer, coaching is what you need coupled with someone who will have the patience for all your silly questions. And that is exactly what I found with Dominion. Thank you, guys, so much, great teamwork. And special thanks to Jody for her incredible work and efforts!!! She went above and beyond, great service!
Sunny and Jody Vig are absolutely a pleasure to work with. They are professional, courteous and prompt. They handled the most stressful part about buying a home and made it very easy for us! They were there every step of the way, evenings and weekends as well. Highly recommend the Mortgage Force Team.
Thanks again!
Highly recommend! Jody answered every question we had! Answering all calls and emails promptly! Making the process smooth in getting our new mortgage. Thank you Jody!
Jody has been such an amazing asset when we were building our team for our first home buying process. She was so knowledgeable and experienced and guided us every step of the way. She worked efficiently and was so effective in getting us through this process and any questions we had, she was right there to answer. Definitely recommend her and her team, you won’t regret it!
GREAT COMPANY TO WORK WITH !
We worked with Jody on a mortgage and she was amazing. Answered all of our questions and put our mind (especially mine) at ease for any concerns we had. She made meetings work even though she had a busy schedule. We got a great mortgage and could buy our first own home with this fantastic service! This was a year ago and she still emails back on any questions that come up. I totally recommend this company for mortgages. THANK YOU, JODY ! Way to go !
Jody assisted me with my mortgage and it was a seamless experience from beginning to end. She was easy to get in touch with, kept good communication throughout and was very helpful. Would definitely recommend Jody and team!
Very easy to work with. Quick results.
Jody is a great person to work with. She helped me from A to Z to get my financing in place in very little time
Jody helped me secure a lender over the course of a few weeks. She was patient, hard working, and always kept me in the loop. Would be happy to take my business to her again, 10/10
This team of Sunny and Jody were amazing to deal with for getting us a mortgage.
Communication was excellent and always friendly.
I recommend them highly for anyone needing a mortgage.
Jody and her team are the best. Jody went out of her way to explain all the steps needed for us to get approved and is there for each step. She made herself available for times that worked for us and was able to work with us no matter what happened. If you are in need of their services go see Jody. She will the process so easy, you will be happy you went with her team.
Our realtor referred us to Jody and we are so happy she did! We did not expect our financing to go so seemlessly and be as stress free as it was! Jody is so pleasant to work with. She is very responsive to calls and emails, is an amazing communicator, and overall, ran our financing needs so smoothly and quickly! When we explained we are first time home buyers and not clear about some of the details, she suggested to meet with us and went through all the papers and details which was incredibly helpful and made us much more comfortable and confident in making our decision. Other than her profound knowledge, amazing communication, and topnotch responsiveness, she also got us a good rate in an unstable market! Very positive experience and absolutely no complaints!
Excellent experience, very professional and knowledgeable. Jody takes her time to explain everything very well. I had a great experience working with Jody, I would continue to use Jody as my mortgage agent for my future homes. Thank-you for all your help ! You made the process very easy.
Working with Jody was wonderful. I was in a time crunch and she worked really hard to get me a mortgage deal in a very short time. The best part is she treated me like a person rather than a number. She answered all my questions and kept me informed. I am so grateful for everything and will easily recommend the Mortgage Force Team to everyone I know.
I was lucky enough to get Jody’s contact information randomly on Google. I have never received such an excellent service before. She was always responsive to my calls/messages. She always explained everything clearly to me and did everything so I was able to secure my mortgage.
I definitely recommend Jody if anyone needs to get a mortgage or any services that they provide. She is the best 👍🏻 I am really thankful for her help.
If I could give more than 5 stars, I would definitely without hesitation!
Jody is the best person to help you get a mortgage. She is very friendly and I cannot emphasize enough how responsive she is. She went out of her way to explain everything so that we were able to get approved and always answered my questions with explanations. I am very grateful for everything that she did to help!
I will 100% use her services again in the future and would recommend anyone to go to her!
I have worked with Jody & Sunny over the last 4 years on various residential real estate files.They are a great team of professionals who believe in educating their clients throughout the entire home buying process from start to finish. I highly recommend the Mortgage Force Team for anyone looking for their next mortgage.
I love dealing with the mortgage force team! They are informative, answer any questions I have and guide myself and my clients through the process. They make things so easy!
Being a single mom with rent, groceries, and all the living expenses to cover, I was not able to save up any down payment. Jody was actually able to put me in a program which allowed me to borrow my down payment from the line of credit I had. Thanks to her, I took possession my new condo on Nov 11, 2015
I wanted to thank them for getting us in the home of our dreams. Its rare these days to experience such quality of genuine care and service. Thank you
Jody and her team were a great help in finding the best mortgage for us. really appreciate the work they do for the client
