Get Your Pre Approval in 1 Hour

Get your pre approval within an hour for a seamless and expedited homebuying process

How Our Mortgage Plan Works?

Pre Approval

Prospective homebuyers provide basic financial information to assess their eligibility for a mortgage, helping them understand the purchase price & loan amount they may qualify for.

Loan Application​

Complete the formal mortgage application, submitting detailed financial documentation. This step initiates the credit evaluation process based on loan guidelines, where the Loan Officer evaluates creditworthiness and verifies information.​

DU/LP Underwriting Approval​

Lenders review the application, assessing credit history, income, employment, and property details. The underwriting process determines the risk and approves the mortgage if the borrower meets the criteria.​

Closing

Finalize the mortgage by signing closing documents. This involves the transfer of funds, completing paperwork, and officially securing the loan, allowing the homebuyer to take ownership of the property.

We offer 3 types of mortgages

BUYING A HOME

Embark on your homeownership journey with confidence. Our buying a home mortgage solutions offer competitive rates and personalized options, ensuring a seamless and stress-free experience as you step into your new home.

REFINANCING

Unlock the potential of your existing home with our refinancing solutions. Whether you aim to reduce monthly payments, shorten your loan term, or tap into home equity, our refinancing options are tailored to meet your financial goals and provide greater flexibility.

RENOVATIONS
Transform your current space into your dream home with our renovation/construction mortgages. We understand that your vision may require more than a standard mortgage, so our flexible financing options empower you to renovate/new build your property with ease, making it uniquely yours

We got 5 STAR Review

Don’t just take our word for it

With over 30 years of expertise in the mortgage industry, we bring a wealth of experience to guide you through your home financing journey. Our numerous positive reviews from satisfied clients reflect our commitment to delivering exceptional service and building lasting relationships.

Our Testimonials

Apply Online

Avoid home buying delays by getting approved with a lender you can trust before you start your home search. Already found your dream home? Take the next step and find the right mortgage for you.

We Got You

Need guidance that only a mortgage expert can give you? We've got your back. Connect with one of our experienced loan officers to start your mortgage process off on the right foot.
Kal Duwage Mortgage Inc.

Get Started With A Great Mortgage Plan

A one stop shop for your mortgage and home loan situation