First time buyers- Apply for mortgage online

At Hypotec, we're here to help you make the journey to getting your home loan as smooth as possible. If you'd like to get advice on choosing your first mortgage, you can contact us. In case you're open to picking a loan without receiving guidance, you can apply for mortgage online. You can apply for mortgage online with us by filling the form below.  


The following documents are typically needed in order to process your home loans:

  • Clear and visible copy of valid State ID’s: Driver’s License
  • Home Owners Insurance Declaration page. (Document showing the annual premium, coverage and effective dates)
  • All 1099’s for the last 2 years.
  • All W2’s for the last 2 years.
  • Complete and signed Tax Returns for the last 2 years (all pages and schedules).
  • 2 most recent pay stubs
  • Letter of Explanation (included in this package) for credit inquiries to be signed.
  • Executed Purchase Agreement.

The following documents are typically needed in order to process your home loans:

  • Clear and visible copy of valid State ID’s: Driver’s License
  • Builder’s risk insurance
  • All 1099’s for the last 2 years.
  • All W2’s for the last 2 years.
  • Complete and signed Tax Returns for the last 2 years (all pages and schedules).
  • 2 most recent pay stubs
  • HOA statement and payment history showing that your dues are current. (If applicable)
  • Letter of Explanation (included in this package) for credit inquiries to be signed.
  • Building permits (issued by the city)
  • Building plan (issued by your architect)
  • Reserves

The following documents are typically needed in order to process your home loans:

  • Clear and visible copy of valid State ID’s: Driver’s License
  • Home Owners Insurance Declaration page. (Document showing the annual premium, coverage and effective dates)
  • Current Mortgage Statement
  • All 1099’s for the last 2 years.
  • All W2’s for the last 2 years.
  • Complete and signed Tax Returns for the last 2 years (all pages and schedules).
  • 2 most recent pay stubs
  • A copy of the Mortgage Note – (This document can be found in the loan docs you signed on your last refinance) - If you cannot locate it we can call your lender together and have them fax it to us.
  • HOA statement and payment history showing that your dues are current. (If applicable)
  • Letter of Explanation (included in this package) for credit inquiries to be signed.

The following documents are typically needed in order to process your home loans:

  • Clear and visible copy of valid State ID’s: Driver’s License
  • Home Owners Insurance Declaration page. (Document showing the annual premium, coverage and effective dates)
  • Current Mortgage Statement
  • All 1099’s for the last 2 years.
  • All W2’s for the last 2 years.
  • Complete and signed Tax Returns for the last 2 years (all pages and schedules).
  • 2 most recent pay stubs
  • A copy of the Mortgage Note – (This document can be found in the loan docs you signed on your last refinance) - If you cannot locate it we can call your lender together and have them fax it to us.
  • HOA statement and payment history showing that your dues are current. (If applicable)
  • Letter of Explanation (included in this package) for credit inquiries to be signed.

The following documents are typically needed in order to process your home loans:

  • Clear and visible copy of valid State ID’s: Driver’s License
  • Home Owners Insurance Declaration page. (Document showing the annual premium, coverage and effective dates)
  • Current Mortgage Statement
  • A copy of the Mortgage Note – (This document can be found in the loan docs you signed on your last refinance) - If you cannot locate it we can call your lender together and have them fax it to us.
  • Business Cards (with business email address and business website address)
  • Original Letter from Licensed Accountant stating your income for the last 2 years in addition to your Year to Date. Income should be stated separately if it includes personal and business
  • Copy of your Accountant’s License
  • Original Letter from your Banking Institution stating the length of time the account has been opened, and your current standing with the institution
  • All 1099’s for the last 2 years.
  • All W2’s for the last 2 years.
  • Complete and signed Tax Returns for the last 2 years (all pages and schedules).
  • 2 most recent pay stubs
  • HOA statement and payment history showing that your dues are current. (If applicable)
  • Copy of recent credit report (for Canadians Only). This can be requested online very easily.
  • Proof of home address (utility bill, credit card statement or bank statement)
  • Assets and reserves
  • Purchase contract (if applicable)

The following documents are typically needed in order to process your home loans:

  • Clear and visible copy of valid State ID’s: Driver’s License
  • Home Owners Insurance Declaration page. (Document showing the annual premium, coverage and effective dates)
  • Current Mortgage Statement
  • All 1099’s for the last 2 years.
  • All W2’s for the last 2 years.
  • Complete and signed Tax Returns for the last 2 years (all pages and schedules).
  • 2 most recent pay stubs
  • A copy of the Mortgage Note – (This document can be found in the loan docs you signed on your last refinance) - If you cannot locate it we can call your lender together and have them fax it to us.
  • HOA statement and payment history showing that your dues are current. (If applicable)
  • Letter of Explanation (included in this package) for credit inquiries to be signed.

The following documents are typically needed in order to process your home loans:

  • Clear and visible copy of valid State ID’s: Driver’s License
  • Home Owners Insurance Declaration page. (Document showing the annual premium, coverage and effective dates)
  • Current Mortgage Statement
  • All 1099’s for the last 2 years.
  • All W2’s for the last 2 years.
  • Complete and signed Tax Returns for the last 2 years (all pages and schedules).
  • 2 most recent pay stubs
  • A copy of the Mortgage Note – (This document can be found in the loan docs you signed on your last refinance) - If you cannot locate it we can call your lender together and have them fax it to us.
  • HOA statement and payment history showing that your dues are current. (If applicable)
  • Letter of Explanation (included in this package) for credit inquiries to be signed.
  • Reserves

The following documents are typically needed in order to process your home loans:

  • Clear and visible copy of valid State ID’s: Driver’s License
  • Home Owners Insurance Declaration page. (Document showing the annual premium, coverage and effective dates)
  • Current Mortgage Statement
  • All 1099’s for the last 2 years.
  • All W2’s for the last 2 years.
  • Complete and signed Tax Returns for the last 2 years (all pages and schedules).
  • 2 most recent pay stubs
  • A copy of the Mortgage Note – (This document can be found in the loan docs you signed on your last refinance) - If you cannot locate it we can call your lender together and have them fax it to us.
  • HOA statement and payment history showing that your dues are current. (If applicable)
  • Letter of Explanation (included in this package) for credit inquiries to be signed.

The following documents are typically needed in order to process your home loans:

  • Clear and visible copy of valid State ID’s: Driver’s License
  • Home Owners Insurance Declaration page. (Document showing the annual premium, coverage and effective dates)
  • Current Mortgage Statement
  • All 1099’s for the last 2 years.
  • All W2’s for the last 2 years.
  • Complete and signed Tax Returns for the last 2 years (all pages and schedules).
  • 2 most recent pay stubs
  • A copy of the Mortgage Note – (This document can be found in the loan docs you signed on your last refinance) - If you cannot locate it we can call your lender together and have them fax it to us.
  • HOA statement and payment history showing that your dues are current. (If applicable)
  • Letter of Explanation (included in this package) for credit inquiries to be signed.
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