Nixon NG
Mortgage Advisor

604-315-5711 (Cell)
Email Nixon

 


Buying a home is one of the biggest investments most of us will ever make, and I'm here to help you make the most of this considerable investment. I look forward to working with you to assess your real estate financing options. Whether you'd like to buy your first home, renovate an existing property, or leverage the equity you've built, I'm here to discuss strategies and products available to you.

As a CIBC Mortgage Advisor, my job doesn’t stop at helping you find the right financing solution for you. I can provide you with advice and information on living with your mortgage, such as pay down strategies that will help you become mortgage free sooner, or options for your next property purchase. If you have any questions along the way or down the road, I encourage you to contact me.

As a CIBC Mortgage Advisor, I work with you to discuss the facts, figures, and information needed to make informed financing decisions. Whether obtaining your first mortgage, transferring your mortgage to CIBC, or renewing your mortgage for another term, it’s important that you make decisions that you're comfortable with.

If you’d like more information about mortgage financing solutions, please don’t hesitate to contact me. I’m here to help you create a plan that works for you.




MORTGAGE APPLICATION INFORMATION REQUIRED

Nixon NG 900 - 400 Burrard Street Vancouver, BC Canada, V6C 2A6

To process your mortgage application, we require the following support documents as soon as possible.

CONFIRMATION OF EMPLOYMENT
  • Job letter, on employer’s letterhead showing: position, length of employment, amount of gross income and future prospects (sample attached).

  • CONFIRMATION OF INCOME
  • Recent 2 years T-4 slips (or page of Tax Returns that shows income) & One current pay stub.
  • Copy of most recent Notice of Assessment confirming any/no tax balances owing.

  • CONFIRMATION OF DOWN PAYMENT
  • Photocopy of Monthly Statement for the bank account the down payment is coming from, showing applicant’s name(s) and account number. Statements should be for recent three months, showing orderly accumulation of funds, if internet printouts are provided, your name and account number must be on the document to confirm ownership.
    or - Recent copy of R.R.S.P. statements.
    or - Gift letter indicating down payment is a gift and non-repayable.

  • NOTE: Most lenders require confirmation that the gifted funds are in the mortgage borrowers’ bank account prior to issuing the final approval.
    Or - Copy of Contract of Purchase and Sale for present home
    and - Copy of Mortgage Statement showing total payout balance as of new completion date.

    If Business for Self
  • Three year Income Statements & Balance Sheets.
  • Three year Canada Revenue Agency Assessments.
  • Three year Tax Filings (income and expense pages only - T1 general).

  • Immediately upon acceptance of your offer we will need
  • Copy of Contract of Purchase and Sale for new home.
  • if MLS listed - copy of MLS Listing for your new home.
  • if a Detached Home - copy of the Land Survey Certificate for new home (if applicable).
  • if Condo or Townhouse – Lender may request Strata Document.
  • if Low Loan to Value ratio - copy of Property Tax Assessment Notice for new home.
  • Selection of Legal Representative (sometimes from lender approved list).


  • CONSENT & AUTHORIZATION FORM

    I/we warrant and confirm that the information given in the mortgage application form is true and correct and I/we understand that it is being used to determine my/our credit responsibility and to evaluate and respond to my/ our request for mortgage financing. CIBC is authorized to obtain any information you may require for these purposes from other sources (including, for example, a credit bureau) and each source is hereby authorized to provide CIBC with such information. I/we also understand, acknowledge and agree that the information given in the mortgage application form as well as other information you obtain in relation to my credit history may be disclosed to potential mortgage lenders, mortgage insurers, other service providers, organizations providing technological or other support services required in relation to this application and any other parties with whom I/we propose to have a financial relationship.

    I/we further acknowledge and agree that each potential mortgage lender, mortgage insurer or service provider to whom CIBC provides the mortgage application and/or my/our personal information is permitted to receive such application and information and maintain records relating to me/us and my/our mortgage application and to hold, use, communicate and disclose personal information about me/us, including my/our Social Insurance Number (SIN) if I/we provide it, and collect personal information from me/us, you and from third persons, including credit bureau, credit reporting and collection agencies, financial institutions, my/our past and present employers, creditors and tenants, my/our spouse or any other person who has information about me/us for the purposes of recording, evaluating and responding to my/our application for mortgage financing or related activities and I/we specifically consent to the release and disclosure of personal information by such persons to and among you and each potential mortgage lender, mortgage insurer or other service provider.

    Furthermore, I/we hereby release CIBC from all claims in damages or otherwise that we may have in connection with or arising from any use, disclosure or release of any of our personal information, and that I/we will indemnify CIBC against and save you harmless from any and all claims in damages or otherwise which may be made by any third party in connection with or arising from any personal or other information that we have provided to you; that I/we will pay all legal, property appraisal, registration fee and other costs or expenses incurred by CIBC in connection with a transaction, as well as any application costs incurred by CIBC should I/we withdraw this application after it is submitted. Finally, that CIBC may retain our application and other personal information whether or not any transaction is ultimately completed; and that I/we acknowledge and agree that you may be entitled to receive financial compensation with respect to a transaction from a lender or other person.


    Best time to call:
    Upload Filled Application Form (PDF):