How it Works
How does it work at Saintlo Hypothèques? Our process for guiding you toward obtaining your mortgage.
1. Discovery call – Overview of your real estate project
We begin with a personalized call to fully understand your overall financial situation. Whether you are considering refinancing, a loan restructuring, optimizing your current mortgage, or obtaining a mortgage prequalification, this first meeting allows us to identify your needs, your objectives, and your borrower profile. This is an essential step to build a clear strategy and guide you toward the most advantageous home financing solution for your home purchase project. To get started, book an appointment here!
2. Document Management – Preparing Your File Analysis
Once your situation is clearly defined, we assist you in preparing all the documents required for your mortgage: financial statements, identification, proof of employment, and purchase-related documents. With our simple and effective tools, we guide you step by step to gather all the information and ensure a clear and accurate file. We help you open an account on our simple and secure portal and also collect the required authorizations to ensure your application is managed rigorously and quickly.
3. Strategic Analysis – Toward a Solid Mortgage Pre-Approval
We then carry out a complete analysis of your financial situation: commitments, income, assets, and objectives. This in-depth assessment enables us to define the best strategy and negotiate advantageous mortgage terms on your behalf.
At this stage, we can provide a mortgage prequalification letter. This is an essential first step before you begin your home search. This mortgage pre-approval reassures sellers when you submit purchase offers!
4. Strategy Call – Choosing the Right Home Loan for You
We then schedule a call to present your personalized strategy. This includes presenting the available options: refinancing, transfer, or optimization of your mortgage. We help you choose the best solution to obtain advantageous home financing tailored to your situation, while taking into account the current and anticipated economic environment. We ensure that we explain everything in a simple, human way, while respecting your risk management approach and your perceptions.
5. File Submission – Securing Your Mortgage
Finally, we submit your complete file to the financial institution we select together. Every detail is considered to ensure a fast and favorable approval. You can rely on our diligent follow-up to support you through to final approval.
6. Follow-up with the notary and beyond – Finalize the purchase of your home
Our work does not stop there: we support you all the way to the notary, where you will sign the deed of sale for your future home and the mortgage deed, thereby formalizing your home mortgage. The notary carries out the final verifications and registers your property. Afterward, we remain by your side to ensure diligent follow-up, address your future needs, and ensure that your loan remains up to date throughout your term.
