How it works
Eight steps. From your first call to your first key.
No mystery, no salesperson tactics. Here’s exactly what happens when you start a mortgage with Maple Crest, in the order it happens.
- 0115 minutes · this week
Discovery call
We listen first. You tell us where you are: still saving, actively shopping, or holding an accepted offer. No documents required for this call — we just want to meet you.
- Free, no commitment
- Same-week availability
- Phone, video, or in-person
- 021–3 days
Document gathering
We send a personalized checklist to your inbox: ID, pay stubs, T4s, NOA if self-employed, down payment trail. You upload from your phone or laptop. We handle the rest.
- Bank-grade encrypted upload
- What we need explained in plain English
- We chase down what's missing
- 0348 hours
Pre-approval
We submit your file to the lenders most likely to approve at the best rate for your situation. You get a written pre-approval with maximum loan amount, rate held for 120 days, and a clear ceiling for house-hunting.
- Rate hold up to 120 days
- Multiple lender comparison
- Plain-English explanation of conditions
- 04as long as you need
House hunting (optional)
We coordinate with your realtor and stay on call for offer-night decisions. Need a quick rate refresh because your offer is going firm in 90 minutes? We're there.
- After-hours availability for offer-night calls
- Bridging finance options if you've already bought
- Honest 'walk away' advice when a deal isn't right
- 055–7 business days
Conditional → firm offer
Once you've accepted an offer, we move fast on the financing condition. Lender packaging, appraisal coordination, condition removal — all without you chasing emails.
- Fastest path to firm financing
- Direct line to underwriter when complications arise
- Clear status update every business day
- 062–4 weeks before closing
Lawyer + lender lock-in
Loan documents drafted, signed, and submitted. We coordinate with your real-estate lawyer so the funding flow on closing morning is boring (in a good way).
- Signing ceremony in-person or e-sign
- Wire instructions for down payment
- Final walkthrough of closing costs
- 07the morning of
Closing day
Funds released to your lawyer, deed registered, keys handed over. We monitor the morning's funding flow and stand by if anything snags.
- Live status checks with the funder
- Backstop plan if a wire delays
- We're a phone call away the whole day
- 0812 months later
Year-one check-in
We come back to you, not the other way around. Rates moved? Fixed term ending? Family situation changed? We re-shop your mortgage if there's room to save.
- Annual rate-vs-penalty review
- Renewal alerts 120 days early
- Lifetime client, not a one-time deal
The questions we hear most.
Have a different one? Ask us directly.
How much does this cost?
Nothing, on standard residential deals. We're paid a finder's fee by the lender on closing — there's no fee billed to you. On private or B-lender deals where the lender doesn't pay, we disclose any fee in writing before any work begins.
Will my credit get pulled multiple times?
Once. We pull your credit report a single time at pre-approval and use that file for every lender we shop. Multiple lender inquiries from a single mortgage application count as one inquiry for credit-score purposes (the bureaus' shopping-window rule).
What happens if I'm denied?
We tell you why, plain-language, and give you a written 12–24 month plan to rebuild credit, pay down specific debts, or restructure income to get to 'yes.' Many of our current clients started here.
Are you actually licensed everywhere you say?
Yes. FSRA #13456 in Ontario and BCFSA #187654 in British Columbia. Licenses verifiable on the regulator websites. We do not operate in other provinces — if you're elsewhere we'll refer you to a trusted partner.
