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How It Works

From First Call to Funded

The same clear process, whether your file is a straightforward prime purchase or an emergency Power of Sale defense.

The Process

Five Steps, Every File

The steps stay the same; only the pace and paperwork change depending on which lender type fits your situation.

01

Tell Us What's Going On

A direct conversation (or the form on this site) about your property, timeline, and what you need.

02

File Review & Lender Match

We assess equity, income, and credit against our 300+ lender network to identify realistic options.

03

Commitment

For private and B-Lender files, firm commitments often arrive within 24 hours; prime files follow standard bank timelines.

04

Appraisal & Legal Review

An independent appraisal and legal review confirm the property and paperwork support the loan.

05

Funding

Funds are released at closing — often within 3 to 5 business days for private and emergency files.

Which Path Fits You

Timelines by Lender Type

We'll tell you which lane your file realistically falls into before you commit to anything.

Private Mortgage Timeline

Commitment in ~24 hours, funding in 3–5 business days. Fastest path when equity is strong and time matters.

See Private Mortgages

B-Lender Timeline

Approval typically within 1–2 weeks. A regulated middle ground between speed and rate.

See B-Lender Options

Prime Mortgage Timeline

Standard bank/monoline timelines, typically 2–4 weeks. Best rate when your file qualifies.

See Prime Purchase
Process FAQ

Common Questions

No — that's exactly what the initial file review is for. We'll tell you which lender type (private, B-Lender, or prime) realistically fits your situation.
A recent mortgage statement, a rough property value estimate, and (if applicable) proof of income or business activity speeds things up, but isn't required to start the conversation.
Yes — many clients start with private or B-Lender financing to solve an immediate problem, then transition to prime once their income or credit profile qualifies.

Ready to Start Your File?

Tell us your situation and we'll tell you exactly what happens next.

Get Started
Jessica · iDream Financial
AI Assistant · Ontario mortgages
General information only, not a mortgage commitment. Rates and calculator results shown are illustrative starting points.