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The Mortgage Process with Auxilium
Meeting & Pre-Approval
Tell us what you want to do. We let you know what you can do.
You give us the green light for the solution we’ve found. We submit your file to a lender and secure a formal approval.
Lawyer Instruction & Closing Review
We send all the details to your lawyer.
Meet your lawyer to review and sign all documents.
Get your keys and move in to your new home!
Victoria Mortgage Broker’s Tips
Frequently Asked Questions
How long does the pre-approval process take?
At Auxilium our team prides itself on our professionalism and turnaround times, which is why we strive to have turnaround times between 24 hours to 48 hours of receiving full documentation packages. Based on the initial conversation, our team will provide you a checklist of the documentation needed to fully assess your file, our team will work with you to answer any/all questions about the documentation required. Bottom line the sooner you can provide all the necessary paperwork required the quicker we can have an answer for you!
Is your pre-approval process different than others?
At Auxilium we do “hard pre-approvals” what this means is that we fully underwrite your file by doing full applications as well as rounding up all the necessary supporting documentation. This requires more time and effort on our part; however, we’ve found that this effort is worth it as it gives borrowers certainty as to exactly what they “can and can’t do” in terms of borrowing.
What do I need to do or provide?
All you need to do is provide the requested documentation, based on the initial conversation, in a timely manner. The speed at which we’re able to obtain a pre-approval will be dependent upon you.
Will you need to “pull my credit report?”
Typically, we don’t pull your credit until, first off, we know we can provide you a solution based on the documentation supplied and second, we know that you’re satisfied with the solutions that we’ve come up with. If we’re good to go on both of those, then we can pull your credit and re-confirm things 100%
Does Auxilium charge any fees for doing a pre-approval for me?
No, we do not charge any fees to provide you a pre-approval.
Am I obligated to deal with Auxilium if they provide me with a pre-approval?
Absolutely not, while we would certainly hope based on your experience during the pre-approval process that you would want to work with Auxilium, you’re not obligated to do so. We don’t believe in forcing anyone to work with us that by their accord doesn’t want to!
How long is the pre-approval good for?
Our hard pre-approvals are basically good for upwards of 6 months, provided of course nothing fundamentally has changed with your circumstances (credit, income and or debt) or lending guidelines in general.
Once pre-approved can I begin to look at homes right away?
Absolutely, once we’ve provided you a hard pre-approval, you’re welcome to go house shopping and move forward with an offer on any/all properties that meet the approval criteria outlined.
If my circumstances change and I need to do update my hard pre-approval is there a cost to doing so?
Absolutely not, we understand that given our current real estate market it can take some time to find or obtain an accepted offer on a property, which may be well outside of 6 months from the original hard pre-approval, so we’re always happy to assist our ongoing clients.
Do you offer competitive rates?
Absolutely, we have full access to a variety of lenders and lending solutions, that fit virtually every need and situation and we’ll find one that’s right for you.
If I begin the process and then decide to pause it, can I do so?
Yes, if you decide to begin and for whatever reason you need to put it “on-hold” until a future time, that’s fine we can restart it again when you’re ready!
Supporting Our Local Victoria & Westshore Communities since 2011
When you buy a home, you get more than a place to live. You also become a part of the community – our community.
Welcome home neighbour! Let’s build our community together.
We actively support these local organizations in Victoria and the Westshore. Why: Because we live and play here, too!