Mortgage
Get ready for your home loan
Who it's for
- First-time home buyers
- Homeowners thinking about refinancing
- Self-employed buyers whose tax returns affect what they can borrow
- Investors buying rental property
What we provide
Readiness review
We look at your income, tax returns and documents before you apply.
Options explained
Purchase, refinance and investment loans, in plain language.
Tax & insurance together
Homeowner's insurance and the tax side of owning, handled by the same team.
Document help
We help you gather what a lender will ask for.
How it works
- 1Book a mortgage consultation.
- 2Upload your income and bank documents securely.
- 3We review your situation and explain your options.
- 4Any loan is applied for with, and approved by, a licensed lender.
What to prepare
- Last two years of W-2s or tax returns (self-employed: two years of returns)
- Your two most recent pay stubs
- Two months of bank statements
- Photo ID
- Purchase contract or current mortgage statement, if you have one
Send documents only through our secure upload portal.
Common questions
Can you tell me what rate I'll get?
No one can promise a rate before you apply. Rates depend on your credit, the loan and the market on the day it's locked.
I'm self-employed. Can I still qualify?
Often yes, but lenders look closely at your tax returns. We can review them with you before you apply.
Who makes the loan?
Loans are made by licensed mortgage lenders. We'll tell you who the lender is before you apply.
Mortgage loans are made by licensed lenders, subject to their approval. Ghion Financial does not guarantee approval or rates.