Start by reviewing your budget, saving for your down payment and closing costs, and speaking with Rita about financing before you begin making offers. A mortgage review can help you understand your options and identify documents or credit issues to address early. Call Rita Cousins at 604-230-9206 or email mortgages@cousinsmortgageteam.com.

No. A pre-approval helps you plan your home search, but final approval depends on the lender reviewing your documents, the property and any outstanding conditions. Changes to your income, debts or credit can also affect your application. Speak with Rita before making major financial changes or removing a financing condition.

The documents depend on your income, down payment and the property. Common requests include identification, employment and income records, down payment statements and purchase documents. Self-employed applicants may need additional business and tax records. Rita will explain what your lender needs and how to provide it securely.

Rita Cousins with Mortgage Architects helps clients explore financing for home purchases, mortgage renewals and refinancing. She can also review options for self-employed borrowers and people whose circumstances do not fit a standard application. With over 45 years of mortgage industry experience, Rita focuses on finding a mortgage that fits your situation. All financing is subject to lender approval.

Yes. Rita helps clients in Nanaimo, Parksville, Qualicum Beach, the Comox Valley, including Courtenay, Comox and Cumberland, and Duncan and the Cowichan Valley. You can discuss your mortgage by phone or email without travelling to an office. Contact Rita at 604-230-9206 or mortgages@cousinsmortgageteam.com to discuss your property and financing needs.

Call Rita Cousins directly at 604-230-9206 or email mortgages@cousinsmortgageteam.com. Let her know whether you are buying, renewing or considering refinancing, along with your approximate timeline. Rita will discuss your goals and explain the next steps. Please use the secure document process provided to you for financial records and identification.

Advertised rates may apply only to certain purchases, insured mortgages, amortization periods or closing dates. Your available rate depends on the lender, property, application and mortgage features. Rita will compare eligible options and explain the rate, restrictions and applicable costs before you decide. Contact her for a review based on your situation.

Yes. You can begin by calling Rita at 604-230-9206 or emailing mortgages@cousinsmortgageteam.com. If she is unavailable, leave your name, contact details and a convenient time to reach you. Rita handles mortgage advice, while Rachel assists with paperwork and administration.

Self-employed borrowers may have mortgage options, but the documents and income assessment vary by lender and program. Rita can review your business history, tax documents, income and down payment to identify options worth exploring. Contact her early so you have time to gather the right records. Approval depends on the lender’s review.

A bank’s decision does not necessarily mean every lender will reach the same conclusion. Rita can review the reason for the decline and explain whether other options or steps to strengthen your application may be available. Alternative financing can involve higher rates, fees and different conditions. Approval is never guaranteed.

The rate matters, but so do prepayment privileges, penalties, restrictions, fees and flexibility if you move or refinance. A lower rate can come with conditions that make a mortgage less suitable for your plans. Rita will help you compare the overall fit and cost of eligible options.