How the Mortgage Process Works | Sydney Young
Start to finish

How We Work Together, From Application to Funding

Four stages, whether it's your first home, a renewal, a refinance, or a rental. Every file moves a little differently, so once you apply, your welcome email lays out the roadmap for yours.

01≈ 10 min

Application

One secure online application covers every lender I work with. Everything flows into your client portal, and I review it within one business day.

021–3 days

Review & Chat

We talk through your goals, then I shop your file across 50+ lenders and walk you through the options that fit. Ask me anything.

033–10 days

Approval

Your lender approves the file with a few conditions, often an appraisal and final confirmations. We clear them together, right in the portal.

04Completion day

Funding

You sign with your lawyer or notary, the funds release, and it's done. I stay your broker for the life of the mortgage.

Start Your Application →

Questions before you begin? The FAQ covers the big ones, or just ask me.

Whenever You're Ready

Let's Get You Started

The full application is step one, and it's the moment we start working together. About 10 minutes, and your portal is live the same day.

Start Your Application →