Fanny Samaniego — Holistic Financial Consultant • Fanny Samaniego

Overall progress

Credit focus

Clean 12 months • <30% util.

Pre-approval

Start early

Checklist

0/22 completed

Credit & score

Aim for clean 12-month history, low utilization, and verified score.

Done	Task	Priority	Due date	Notes
	Check current credit score (soft pull within 60 days) High
	No late payments in past 12 months
	Credit utilization under ~30% (pay down high balances) Credit-building guidance
	Dispute/resolve any errors on your report

Check current credit score (soft pull within 60 days) High

Priority

Due

Notes

No late payments in past 12 months

Priority

Due

Notes

Credit utilization under ~30% (pay down high balances)

Credit-building guidance

Priority

Due

Notes

Dispute/resolve any errors on your report

Priority

Due

Notes

Add task

Income & employment

Gather proof of stable income and employment or business activity.

Done	Task	Priority	Due date	Notes
	Two recent pay stubs (employee) High
	T4s for last 2 years (employee)
	Letter of employment (role, start date, salary/hourly) High
	Self-employed: last 2 years T1s & NOAs; T2125 (if applicable) Self-Employed Toolkit

Two recent pay stubs (employee) High

Priority

Due

Notes

T4s for last 2 years (employee)

Priority

Due

Notes

Letter of employment (role, start date, salary/hourly) High

Priority

Due

Notes

Self-employed: last 2 years T1s & NOAs; T2125 (if applicable)

Self-Employed Toolkit

Priority

Due

Notes

Add task

Down payment & closing costs

Document source of funds and maintain 90–120 days history.

Done	Task	Priority	Due date	Notes
	Down payment saved (documented source) High
	90–120 days account history for down payment funds
	Gift letter prepared (if applicable)
	Closing cost buffer set aside (~1.5–4% of purchase price)
	Consider RRSP Home Buyers’ Plan (if eligible)

Down payment saved (documented source) High

Priority

Due

Notes

90–120 days account history for down payment funds

Priority

Due

Notes

Gift letter prepared (if applicable)

Priority

Due

Notes

Closing cost buffer set aside (~1.5–4% of purchase price)

Priority

Due

Notes

Consider RRSP Home Buyers’ Plan (if eligible)

Priority

Due

Notes

Add task

Core documents

ID, banking, housing history, and other basics lenders request.

Done	Task	Priority	Due date	Notes
	Valid photo ID (passport/driver’s licence)
	Proof of address (recent utility bill, etc.)
	Void cheque or PAD form (for mortgage payments)
	Rent history or current mortgage statement
	Separation agreement / support docs (if applicable)

Valid photo ID (passport/driver’s licence)

Priority

Due

Notes

Proof of address (recent utility bill, etc.)

Priority

Due

Notes

Void cheque or PAD form (for mortgage payments)

Priority

Due

Notes

Rent history or current mortgage statement

Priority

Due

Notes

Separation agreement / support docs (if applicable)

Priority

Due

Notes

Add task

Timeline & next steps

Pre-approval, rate hold, and your professional team.

Done	Task	Priority	Due date	Notes
	Complete mortgage pre-approval High
	Rate hold timeline understood (typically 90–120 days)
	Realtor and real-estate lawyer lined up
	Budget monthly comfort level & run a stress-test scenario Affordability & Stress Test

Complete mortgage pre-approval High

Priority

Due

Notes

Rate hold timeline understood (typically 90–120 days)

Priority

Due

Notes

Realtor and real-estate lawyer lined up

Priority

Due

Notes

Budget monthly comfort level & run a stress-test scenario

Affordability & Stress Test

Priority

Due

Notes

Add task

Your custom tasks

Add anything unique to your situation.

Done	Task	Priority	Due date	Notes

Add task

Helpful tools & services

Check affordability & payments: Affordability & Stress Test • Mortgage Payment Calculator
Build credit & improve utilization: Credit-building guidance
Track cash flow & savings: Holistic Budget Calculator • Net Worth Tracker
Upload securely & work with us: Client library • Planning session

This checklist is educational and general. Underwriting policies vary by lender and can change. Confirm specifics with your broker/lender.

Overall progress

Credit focus

Clean 12 months • <30% util.

Pre-approval

Start early

Checklist

0/22 completed

Credit & score

Aim for clean 12-month history, low utilization, and verified score.

Done	Task	Priority	Due date	Notes
	Check current credit score (soft pull within 60 days) High
	No late payments in past 12 months
	Credit utilization under ~30% (pay down high balances) Credit-building guidance
	Dispute/resolve any errors on your report

Check current credit score (soft pull within 60 days) High

Priority

Due

Notes

No late payments in past 12 months

Priority

Due

Notes

Credit utilization under ~30% (pay down high balances)

Credit-building guidance

Priority

Due

Notes

Dispute/resolve any errors on your report

Priority

Due

Notes

Add task

Income & employment

Gather proof of stable income and employment or business activity.

Done	Task	Priority	Due date	Notes
	Two recent pay stubs (employee) High
	T4s for last 2 years (employee)
	Letter of employment (role, start date, salary/hourly) High
	Self-employed: last 2 years T1s & NOAs; T2125 (if applicable) Self-Employed Toolkit

Two recent pay stubs (employee) High

Priority

Due

Notes

T4s for last 2 years (employee)

Priority

Due

Notes

Letter of employment (role, start date, salary/hourly) High

Priority

Due

Notes

Self-employed: last 2 years T1s & NOAs; T2125 (if applicable)

Self-Employed Toolkit

Priority

Due

Notes

Add task

Down payment & closing costs

Document source of funds and maintain 90–120 days history.

Done	Task	Priority	Due date	Notes
	Down payment saved (documented source) High
	90–120 days account history for down payment funds
	Gift letter prepared (if applicable)
	Closing cost buffer set aside (~1.5–4% of purchase price)
	Consider RRSP Home Buyers’ Plan (if eligible)

Down payment saved (documented source) High

Priority

Due

Notes

90–120 days account history for down payment funds

Priority

Due

Notes

Gift letter prepared (if applicable)

Priority

Due

Notes

Closing cost buffer set aside (~1.5–4% of purchase price)

Priority

Due

Notes

Consider RRSP Home Buyers’ Plan (if eligible)

Priority

Due

Notes

Add task

Core documents

ID, banking, housing history, and other basics lenders request.

Done	Task	Priority	Due date	Notes
	Valid photo ID (passport/driver’s licence)
	Proof of address (recent utility bill, etc.)
	Void cheque or PAD form (for mortgage payments)
	Rent history or current mortgage statement
	Separation agreement / support docs (if applicable)

Valid photo ID (passport/driver’s licence)

Priority

Due

Notes

Proof of address (recent utility bill, etc.)

Priority

Due

Notes

Void cheque or PAD form (for mortgage payments)

Priority

Due

Notes

Rent history or current mortgage statement

Priority

Due

Notes

Separation agreement / support docs (if applicable)

Priority

Due

Notes

Add task

Timeline & next steps

Pre-approval, rate hold, and your professional team.

Done	Task	Priority	Due date	Notes
	Complete mortgage pre-approval High
	Rate hold timeline understood (typically 90–120 days)
	Realtor and real-estate lawyer lined up
	Budget monthly comfort level & run a stress-test scenario Affordability & Stress Test

Complete mortgage pre-approval High

Priority

Due

Notes

Rate hold timeline understood (typically 90–120 days)

Priority

Due

Notes

Realtor and real-estate lawyer lined up

Priority

Due

Notes

Budget monthly comfort level & run a stress-test scenario

Affordability & Stress Test

Priority

Due

Notes

Add task

Your custom tasks

Add anything unique to your situation.

Done	Task	Priority	Due date	Notes

Add task

Helpful tools & services

Check affordability & payments: Affordability & Stress Test • Mortgage Payment Calculator
Build credit & improve utilization: Credit-building guidance
Track cash flow & savings: Holistic Budget Calculator • Net Worth Tracker
Upload securely & work with us: Client library • Planning session

This checklist is educational and general. Underwriting policies vary by lender and can change. Confirm specifics with your broker/lender.

Mortgage Readiness Checklist

Credit & score

Income & employment

Down payment & closing costs

Core documents

Timeline & next steps

Your custom tasks

Helpful tools & services

Mortgage Readiness Checklist

Credit & score

Income & employment

Down payment & closing costs

Core documents

Timeline & next steps

Your custom tasks

Helpful tools & services