Mortgage Broker Surrey & Langley - Ingram Mortgage Team

The Ingram Mortgage Team

Your Surrey, Langley and Lower Mainland Mortgage Experts

We want to change the way people think about their mortgage. By teaching our clients how to properly shop for a mortgage by knowing the right questions to ask, we will help them find their Mortgage Freedom Day much sooner than expected. Mortgage Broker Surrey

YOUR MORTGAGE

IS THE LARGEST DEBT YOU WILL TAKE ON.
BUT, IF MANAGED PROPERLY,
IT CAN BECOME YOUR GREATEST

ASSET

  • I was a first time home buyer and really didn’t know what to expect.  I wasn’t sure what my price range was or if I could even afford to get into the market.  However, Jeff and the Ingram Mortgage Team showed me it that becoming a home owner was possible and I was approved in no time.  I thought the whole process was going to be nerve racking and uneasy, but Jeff illustrated such optimism and care towards my family and I that it made it impossible to be uneasy.  Thank you Ingram Mortgage Team for being a key component to an important stage in my life.
    Jordan Kremyr
  • Jeff helped us with each of our last two mortgages.  In each case he was proactive and went the extra mile to ensure that we found the mortgage that was right for us.  Jeff’s creativity and ability to see the ‘big picture’ ensured that we got the best rate possible, even in difficult circumstances.  We have been extremely happy with the Ingram Mortgage Team.
    Matthew Kirk
  • Jeff Ingram and his team were great! He was easily accessible and answered every question I had. What I appreciated the most was his ability to take our full needs into consideration and present us with different solutions. He also negotiated the best rate for our circumstance and took the time to explain the process, calming any fears we had. Real-estate is a large investment, whether you are just starting or if you have been in it for a while. Either way, I would have no problems recommending Jeff and his team for his experience, availability, insight and hard work!
    B. Weick
  • My wife and I were struggling with credit card debt.  We were making our payments, but we weren’t making any progress.  We went to the bank we had our mortgage with and they told us they couldn’t do anything for us.  I spoke to Jeff about our problem and he was able to use the equity in our mortgage through a refinance and he got us a rate that was much better than what any of the banks were offering.  Now, we are able to focus our money where we want it and are saving hundreds in interest, all thanks to the IMT.
    Colby & Shannon Smith
  • I have purchased several properties in the last 15 years and have always gone through the bank for my mortgage. For my latest purchase I went through Jeff as my mortgage broker. The difference between Jeff as opposed to the bank is that he actually goes out and finds the best rate for you. He was always available for any questions and made the entire application process effortless from start to finish. I would recommend Jeff and the Ingram Mortgage Team to anyone looking for a mortgage. He will save you thousands over dealing with the bank.
    Tom Getzie
  • We had the pleasure of working with the Ingram Mortgage Team during the recent purchase of our first home. Jeff always went above and beyond to explain the details of what we needed to know for our mortgage needs. He did all the research for us, secured the best rate (better than any bank), and always stayed on top of all the current information. We always felt very confident that Jeff had our best interest at heart and that we could trust him fully. We couldn’t ask for more in a Mortgage broker and we will definitely be recommending him to all of our future home-buying friends and family. A sincere thank you Jeff and the Ingram Mortgage team!
    Trent & Misha
  • I was very appreciative and impressed by how hard Jeff worked for us to find the lowest interest rate and terms available. Jeff went the extra mile, or more, for us by always being available and ready to answer any and all questions that we may have had. Jeff has integrity and is a dedicated and honest mortgage broker. He works hard for his clients. I wouldn’t hesitate to recommend him!
    Trevor Hanson

MORTGAGE DOCUMENTS CHECKLIST

Speed up the approval process and be prepared for the application process. We have put together a list of documents needed from you when applying for financing through the Ingram Mortgage Team.
Proof of Down Payment
  • If your down payment is coming from savings, a lender will want statements proving that the funds have been accumulated over at least three month’s time.
  • If your down payment is a gift, provide a statement showing the funds deposited into your account, and get a signed gift letter.
  • If your down payment is coming from the sale of another property, provide a copy of the final sale agreement for that home, as well as its most recent mortgage statement.
  • If you are borrowing from a secured line of credit (LOC), you need a copy of the LOC statement showing the funds being withdrawn.
  • If you’ve put down a deposit on the property, provide a deposit receipt, plus statement(s) showing the deposit funds being withdrawn from your bank account.

Tips

  • Bank or financial statements must always show your name, account number and dates.
  • Gifted down payments must generally be from a parent, sibling or grandparent. Otherwise the money may be considered borrowed funds, which may affect your ability to qualify.
  • Online statement printouts are fine, as long as all info appears on one page, or if multiple pages, the account number appears on every page.
MLS Listing
  • Either an online or Realtor copy is fine.
  • If you bought your home on a private listing website (like propertyguys.com), provide that listing instead
Signed Purchase Agreement
  • You’ll need to provide the final purchase agreement signed by all parties, with all conditions waived.

Tips

  • Make sure it’s legible, all dates are entered and all witness lines have signatures.
Identification
  • Copy of driver’s license, passport, or other government-issued photo ID (but not a Health card)

Tips

  • All ID text, photos and numbers must be clearly visible
Income Verification
  • If your income is salary or wages, provide: 1. A recent pay stub showing the pay date, pay amount, your name and the employer’s name 2. A job letter. Job letters should be on company letterhead and show your start date, position, guaranteed salary/wages, and a human resources contact with phone number.
  • If any of your income comes from a bonus, commissions, overtime, a contract, gratuities or investments, provide the most recent two year’s Notice of Assessments (NOAs) from Canada Revenue Agency (CRA).
  • If you are self-employed, provide: • The most recent two year’s NOAs • Your business license, articles of incorporation, or GST registration number
  • If you earn rental income, provide a copy of each lease, as well as either: • A Canada Revenue Agency T776 Statement of Real Estate Rentals, or • Two year’s of T1 generals (personal tax returns), or • Two year’s of NOAs
  • If you earn Alimony/Child Support, provide NOAs and the full separation/support agreement.
  • If on maternity/paternity leave, ensure your job letter shows the return date and salary/income upon return.

Tips

  • Self-employed applicants may have to show two years of unaudited accountant-prepared financials, depending on the lender and circumstances.
A Void Cheque
This cheque is used by the lender to deduct payments from.
Income Verification
  • If your income is salary or wages, provide: 1. A recent pay stub showing the pay date, pay amount, your name and the employer’s name 2. A job letter. Job letters should be on company letterhead and show your start date, position, guaranteed salary/wages, and a human resources contact with phone number.
  • If any of your income comes from a bonus, commissions, overtime, a contract, gratuities or investments, provide the most recent two year’s Notice of Assessments (NOAs) from Canada Revenue Agency (CRA).
  • If you are self-employed, provide: • The most recent two year’s NOAs • Your business license, articles of incorporation, or GST registration number
  • If you earn rental income, provide a copy of each lease, as well as either: • A Canada Revenue Agency T776 Statement of Real Estate Rentals, or • Two year’s of T1 generals (personal tax returns), or • Two year’s of NOAs
  • If you earn Alimony/Child Support, provide NOAs and the full separation/support agreement.
  • If on maternity/paternity leave, ensure your job letter shows the return date and salary/income upon return.

Tips

  • Self-employed applicants may have to show two years of unaudited accountant-prepared financials, depending on the lender and circumstances.
Your Most Recent Mortgage Statement
Must show your name, property address, balance or original mortgage amount, and monthly payment.
A Void Cheque
For the lender to deduct payments
Identification
  • Copy of driver’s license, passport, or other government-issued photo ID (but not a Health card)

Tips

  • All ID text, photos and numbers must be clearly visible
Your Most Recent Mortgage Statement
Must show your name, property address, balance or original mortgage amount, and monthly payment.
Identification
  • Copy of driver’s license, passport, or other government-issued photo ID (but not a Health card)

Tips

  • All ID text, photos and numbers must be clearly visible
Income Verification
  • If your income is salary or wages, provide: 1. A recent pay stub showing the pay date, pay amount, your name and the employer’s name 2. A job letter. Job letters should be on company letterhead and show your start date, position, guaranteed salary/wages, and a human resources contact with phone number.
  • If any of your income comes from a bonus, commissions, overtime, a contract, gratuities or investments, provide the most recent two year’s Notice of Assessments (NOAs) from Canada Revenue Agency (CRA).
  • If you are self-employed, provide: • The most recent two year’s NOAs • Your business license, articles of incorporation, or GST registration number
  • If you earn rental income, provide a copy of each lease, as well as either: • A Canada Revenue Agency T776 Statement of Real Estate Rentals, or • Two year’s of T1 generals (personal tax returns), or • Two year’s of NOAs
  • If you earn Alimony/Child Support, provide NOAs and the full separation/support agreement.
  • If on maternity/paternity leave, ensure your job letter shows the return date and salary/income upon return.

Tips

  • Self-employed applicants may have to show two years of unaudited accountant-prepared financials, depending on the lender and circumstances.
Void Cheque
This cheque is used by the lender to deduct payments from.
A Void Cheque
This cheque is used by the lender to deduct payments from.
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YOUR DREAM HOME IS WAITING