Express For Best Mortgage Rates and Lowest Mortgage Rates Promotion

Express Service is only for those people whose family incomes are affordable to their mortgage amount (TDS < 40% ~ 44%). If your family total income is strong enough, you may enjoy this express service with maximum buying down rate from the CBMR Mortgage. Your rate will be definitely one of the lowest rates in Canada.

Save Our Time = Save Your Money

NO Any Fee (Appraisal, Admin… Fee) In Front

 

0.02% below our lowest rates for all Express products

 

Method Of Mortgage Application:

For Express Service with the best rates, you must:

  1. Submit your mortgage application to us first: Mortgage Application Form Online   (No Pre-approval)
  2. Our mortgage planner will quote the lowest rate (based on your mortgage amount) to you within 24 hours
  3. If you satisfy our rate and select the CBMR as your mortgage agent, then we will schedule an appointment at the same time. Our rate is only valid for 1 day and might change any time by the lender. So we suggest you to select the CBMR as the LAST STOP for comparison and make the decision instantly. If you can’t make the decision at the same day, your rate will be increased at least 0.01%.
  4. The CBMR only arrange max. 2 appointments as the standard service for all local applicants. One is for handling all support documents, another is for signing the commitment. Any extra appointment will cause final rate increasing.
  5. We guarantee your rate we offer is one of the lowest mortgage rate in Ontario. If you receive any lower rate from different liccensed mortgage agents or banks for the same lender and offer us the recent written commitment before we submit your application to the lender, we will beat them until zero commission we own.

 

Documents Needed For Express Service

For Employed & New Purchase Case:

  • Online Mortgage Application
  • Job Letter(s)
  • Most Recent 3 Pay Stubs
  • 3 Month Bank Statements showing you have enough down payment
  • MLS Feature Sheet
  • Purchasing Agreement
  • Lawyer’s Contact Information

For Employed & Switch/Refinance Case:

For Self-Employed (less 3 years but more than 2 years) :

  • Online Mortgage Application
  • Stated Income Declaration Form
  • Business License
  • Some Invoices For Purchassing & Sales
  • Lease Agreement for business if it’s available
  • 3 Month Bank Statements for new purchase case
  • MLS Feature Sheet for new purchase case
  • Purchasing Agreement for new purchase case
  • Lawyer’s Contact Information for new purchase case
  • Property Tax Bill (Statement) for new switch/refinance case
  • Mortgage Balance Statement for new switch/refinance case

For Self-Employed (more than 3 years) :

  • Online Mortgage Application
  • Notice Of Assessment of last 2 years
  • T1 General of last 2 years
  • Business License
  • Some Invoices For Purchasing & Sales
  • Lease Agreement for business if it’s available
  • 3 Month Bank Statements for new purchase case
  • MLS Feature Sheet for new purchase case
  • Purchasing Agreement for new purchase case
  • Lawyer’s Contact Information for new purchase case
  • Property Tax Bill (Statement) for new switch/refinance case
  • Mortgage Balance Statement for new switch/refinance case