The Mortgage Process in Calgary

The home buying process starts with figuring out what you can afford to purchase. A 10 minute conversation with our mortgage partner will provide clarity about what you can afford or what you need to work on to be able to reach your home ownership goals!

How to start your mortgage in Calgary

As early as a year prior to purchasing, our mortgage partner starts working with our clients to position them for success in the home buying process. We want this to be an enjoyable experience for our clients. For that reason, we’ve broken the mortgage process down into 3 simple steps.

Check out our Calgary mortgage process guide below, and keep reading to see all the steps to obtaining a mortgage. 

1. Schedule a 10-minute mortgage call to discuss your home ownership goals and timeline. Calls are available on evenings and weekends!

2. Forward your documents to our mortgage partner. Documents are accepted via, Scan & email, photos via text or dropping off directly at our Inglewood office. Documents Required - A letter of Employment and your most recent pay stub A history of down the down payment funds
   

3. Our mortgage partner will review your documents, check your Credit Score and issue a pre-approval letter stating your Maximum Purchase Price and an estimated monthly mortgage payment.

What To Expect - Mortgage Pre-Approval

• You’ll know exactly what you can afford. None of this falling in love with a house and then not being able to afford it business!
• You’ll know what areas of your application need work before you submit an offer.
• Eliminate the stress and make your home purchase more enjoyable.
• You’ll be confident that your financing is in order and gain negotiating power.

Our impact partner Kristen Young makes getting mortgages easy:

• Online application process, no need to drive across the city for meetings!
• Don’t like using a printer? No big deal! Sign your documents electronically!
• Don’t have your Personal Tax documentation? Sign our agreement (electronically) and we will collect for you directly from the Canada Revenue Agency!
• Don’t have your bank statements? No big deal! We’ll send you a link to access your statements and send them securely to us!
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  Kristen Young

  Merge Mortgage Group

  Mortgage Partner

  Mortgage Support That Makes Sense

  We work with trusted mortgage professionals to connect our clients with clear financing options, smart strategy, and pre-approval support at every stage.

  Get Pre-Approved

  Mortgage Matters

  Mortgage strategy plays a key role in any real estate decision. Understanding your options early can help you plan confidently, move faster, and avoid surprises along the way.