Options available to you for buying or refinancing


If you’re going to buy

This is the perfect time to purchase a property.

You can choose from options to fit your particular needs—for example, mortgages that require little or no down payment, depending on how you’re going to use the property. You can purchase a property as your principal residence, a second home, or an investment property. Our mortgage experts can give you information, answer questions, and help choose the option that’s right for you.

If you prefer to refinance

If you already own a property, this could be the ideal time to refinance.

If you want to lower your monthly payment, pay off the mortgage in fewer years, and in some cases, even access your equity, the attractive interest rates in the market right now might be just what you’re looking for. If you need extra money, and the terms of your first mortgage are favorable, a second mortgage could be an option. Our mortgage experts can give you information, answer your questions, and help you choose the option that’s right for you.

What you’ll need when applying for a mortgage

The documents you’ll be asked to submit will depend on the type of loan you apply for. Some of them are: deeds, the registry number with CRIM, evidence of income, sale/purchase contract, etc.

For your convenience, consult our guide to necessary documents for a mortgage loan.

We’ll show you the alternatives

Our mortgage experts will prequalify you for your purchase or refinancing and explain the best options. If you’re thinking about applying but do not want to provide all the information required to get a Loan Estimate, and want to know what’s available, you can receive a quote of your loan so you’ll have an idea of what your new mortgage will be. Receiving a Loan Estimate does not constitute an application. To apply, you must express an intention to proceed with the transaction.

After completing the application:

Go to PASOS for your home for information about what you can expect during the process of applying for a mortgage loan.