LOCAL ORGANIZATIONS SUPPORTED
MILLION IN MORTGAGE FUNDING
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Credit stopping you from qualifying for a mortgage? We can help.Learn more
Ready to own your first home? We can help!Learn more
Get the solution that’s right for you!Learn more
Stay in your home and make no monthly payments.Learn more
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.
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!
We love helping our Ladysmith mortgage clients! 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!
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.
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.
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%
No, we do not charge any fees to provide you 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!
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.
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.
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.
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.
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!
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 Ladysmith and the Westshore. Why: Because we live and play here, too!