The Mortgage Group Atlantic Inc. understands that everyone has different needs when it comes to getting a mortgage. If this is your first time, we know you'll need a little extra help to understand the process of getting a mortgage. That's why we offer our First Time Home Buyer's Seminar that explains everything you need to know about financing your first home. There is no obligation and the course is provided FREE as a community service.

If you are purchasing an investment property or renewing an existing mortgage, you probably know what you want and need someone to deliver. In today's competitive marketplace, our professionals can save you time and money by arranging you a convenient mortgage with Canada' leading financial institutions. We make flexible appointments around your schedule, return all calls promptly and keep you informed every step of the way.

There are options if you are self-employed or have had credit problems in the past. Waiving traditional income requirements or making an exception to verification documents are items that are negotiable with lenders. Speak to one of our mortgage specialists for further details.

Whether you are buying for the first time, renewing your mortgage or simply weighing all your options, you've come to the right place. The Mortgage Group is committed to getting you the mortgage you want, when you want it.

First time home buyers start with a pre-approval prior to house hunting. This provides a clearer picture of what you can afford. A pre-approved mortgage guarantees your interest rate for up to 120 days even if the rates increase. If they decrease, we'll make sure you get the new lower rate. Our pre-approvals put you under no obligation and are available to you at NO COST.

For your FIRST HOME purchase, most lending institutions require the following documentation. To process your application as quickly as possible, please provide the following:

Income verification which will include:

• Last pay stub, with year to date earnings if possible.
• Last years Revenue Canada Notice of Assessment - Form T451E(01).
• Letter from Employer

Down Payment verification which should include:

• Savings - 3 months of bank statements.
• RRSPs - statement ( if applicable )
• Gift Letter ( if applicable )

Remember, our lenders require the above information as quickly as possible. This is to ensure that we obtain the best mortgage rates and terms for you.