meeting with mortgage agent
Ghummaz Bhatti

Ghummaz Bhatti

What to Bring to Your First Meeting with a Mortgage Agent

Congratulations on deciding to invest in your own home! Before you can start envisioning the interior of your dream house, there is one crucial step to take: meeting with a mortgage agent. They can help you secure the best b-lender mortgage deals for your needs, but their expertise is only as valuable as the information you provide.  

To make the most of your first meeting, you must come fully prepared with all the necessary documents and information. Here is a comprehensive list of the items you need to bring to your initial consultation with a mortgage agent.

Identification Documents 

First and foremost, you need to prove your identity. Bring official identification documents such as a driver’s license, passport, or other government-issued ID. If you have a co-applicant, they must also provide their identification documents.

Proof of Income

Your agent must assess your financial standing to determine the best b-lender mortgage options for you. Bring recent pay stubs, typically from the last 30 days, to show your current income. If you are self-employed or have other sources of income, be prepared to provide documentation such as tax returns, profit and loss statements, or rental income statements.

Employment Verification

In addition to proof of income, you will need to provide employment verification. It can be an employment letter from your employer indicating your position, length of employment, and salary. If you have recently changed jobs, it is also a good idea to bring documentation from your previous employer.

Bank Statements

Your mortgage agent must review your bank statements to get a complete picture of your financial health. Bring copies of your past two to three months’ checking and savings account statements. These will help your agent assess your spending habits and determine your ability to make monthly mortgage payments.

Credit Report

A good credit score is crucial for securing a mortgage with favourable terms. Before your meeting, obtain a copy of your credit report from one of the three major credit bureaus (Equifax, Experian, or TransUnion). Review the information to ensure no errors or discrepancies could negatively impact your mortgage application.

Asset Documentation

Your mortgage agent will want to know about your significant assets, such as stocks, bonds, or retirement accounts. Bring documentation that details the current value of these assets, as they can impact the mortgage terms and interest rates you qualify for.

Debt Information

Your mortgage agent will also need to know about any outstanding debts you have, including student loans, credit card balances, and auto loans. Bring documentation that shows your current debt balances, minimum monthly payments, and interest rates. This information will help your agent determine your debt-to-income ratio, a critical factor in the mortgage approval process.

Purchase Agreement

If you have already found the home you wish to purchase, bring a copy of the signed purchase agreement to your meeting with the mortgage agent. This document will provide essential details about the property, including the purchase price, closing date, and any contingencies.

Budget and Wish List

Lastly, come prepared with a clear idea of your budget and priorities in a mortgage. Knowing your preferred down payment amount, desired loan term, and willingness to pay points can help your mortgage agent find the best product for your needs. Additionally, having a wish list of features you’d like in your home can help your agent understand your preferences and tailor their recommendations accordingly.


Meeting with a mortgage agent is an essential step in the home-buying process. You will be better equipped to secure the best mortgage deal by coming fully prepared with the necessary documents and information. It will set you on the path to homeownership and help make your dream home a reality.

If you are ready to invest in your dream home, consult with Ottawa Mortgage Services. As one of the most reliable mortgage brokers in Ottawa, we can help you with the best b-lender mortgage for your needs. Contact us now for a free consultation and assessment. 

Contact Ottawa Mortgage Services to learn more

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