Please tell me what city do you live in? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What Province are you in? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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We will assign a HOS Approved Realtor...Is that OK? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Now that we have the Type Of Income...set the Expectation for the Documents we will need:

Salary - Job Letter - 2 Pay Stubs + Arin Analyzer

Commission - Job Letter - 2 Pay Stubs and last Year's NOA - Arin Analyzer

Self-Employed - 2 Years NOA - Business Registration - Arin Analyzer

CCB Income - Arin Analyzer

Pension Income - Arin Analyzer

 

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Are You Currently Renting? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Do you own a car? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Do you Own it or Finance it? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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If the client mentions they have had a CP-BK or Debt Management Program we will need the paperwork to show # 1 - The List of Creditors included # 2 - If it has been Discharged - The Discharge papers # 3 - If they have not been dissharged ensure they provide us the monthly payments due to the Trustee.

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Can you please tell me your First and Last name? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Are you working with a Mortgage Agent or Another Rent to Own Company Now? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Link for the RTO Calendar: https://bit.ly/31qcN52

Affordability Check

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Now, how do we reach you?

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Is there a Co-Borrower applying with you? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Payment Calc

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NOTE: WE WILL ASSIGN A REALTOR TO HELP YOU AND THE ASSIGNED INVESTOR IDENTIFY SUITABLE PROPERTIES. CONFIRM THIS WITH THE TENANT.

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TheI DP is NOT a Fee...This is to show the tenant is serious about their commitment to our Rent to Own Program and also to become a future Home Owner.

When the IDP is paid, the Tenant is registered into our PTHO program. (Explain the high level Benefits here) 

Upon successful completion of the RTO Program the IDP is returned to the Tenant as our way of saying Thank You for successfully exiting and the IDP will be credited towards the costs associated with buying the home in the future.

IT ONLY BECOMES A FEE WHEN THEY DEFAULT.

 

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Credit Consent:

If the client has an EQUIFAX or TU account ask the client to provide a "expanded view" credit report from either.

WE DO NOT ACCEPT CREDIT KARMA OR BORROWELL REPORTS.

If the client does not have an EQ or TU account, advise them that we can pull their Crediot Internally and when they complete the Rent to Own Program Agreement, they will provide us the consent inside of that form which will allow us pull Credit. 

If they refuse to allow us to pull Credit direct them to the Link below and they can get their own.

 

https://my.equifax.ca/consumer-registration/?lang=en

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Investor Mortgage Calculation

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Process Checklist

New Flow Process - August 17-21 {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Admin Messaging

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The email has been sent.

Your progress has been saved.

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Please tell me what city do you live in? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What Province are you in? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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How soon would you like to move? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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We will assign a HOS Approved Realtor...Is that OK? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Name of Realtor Assigned? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What's your total family income per year? Does this include other Applicants or CCB? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What is your Primary source of income? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Now that we have the Type Of Income...set the Expectation for the Documents we will need:

Salary - Job Letter - 2 Pay Stubs + Arin Analyzer

Commission - Job Letter - 2 Pay Stubs and last Year's NOA - Arin Analyzer

Self-Employed - 2 Years NOA - Business Registration - Arin Analyzer

CCB Income - Arin Analyzer

Pension Income - Arin Analyzer

 

What's your target purchase price?* {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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About how much will you have for a down payment? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Are You Currently Renting? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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About how much rent are you paying now? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Do you own a car? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Do you Own it or Finance it? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What's Your Credit Score - Best Guess {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Tell Us about your Credit... {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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If the client mentions they have had a CP-BK or Debt Management Program we will need the paperwork to show # 1 - The List of Creditors included # 2 - If it has been Discharged - The Discharge papers # 3 - If they have not been dissharged ensure they provide us the monthly payments due to the Trustee.

Your estimated monthly credit card and/or Loan payments? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Can you please tell me your First and Last name? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Are you working with a Mortgage Agent or Another Rent to Own Company Now? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Last Question, how did you hear about us? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Rate your client {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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RTOC ID {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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RTOC Notes {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Affordability Check

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Value {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Property taxes {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Condo Fees  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Current Rent Payment {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Heating Costs {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Estimated Monthly Income  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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GDS Ratio Must Be Less than 39% {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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TDS Ratio Must Be Less than 44% {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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New RTO TDS Ratio Must Be Less than 48% {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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RTO Savings Component  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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New RTO Base Rent {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Now, how do we reach you?

What's your best Email? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What's your phone number? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Is there a Co-Borrower applying with you? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Is there anything you would like to share which will help us better evaluate your application? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Payment Calc

Your PTHO Program Session Date (First Monday of Each Month) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Your PTHO Program Deadline For the Next Session is (Last Thursday of Each Month) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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NOTE: WE WILL ASSIGN A REALTOR TO HELP YOU AND THE ASSIGNED INVESTOR IDENTIFY SUITABLE PROPERTIES. CONFIRM THIS WITH THE TENANT.

Value of the Home You Can Afford in Our Program {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Down Payment Required {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Down Payment Factor Based on Credit Score {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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ADMIN Down Payment Required {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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ADMIN Down Payment Factor {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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TheI DP is NOT a Fee...This is to show the tenant is serious about their commitment to our Rent to Own Program and also to become a future Home Owner.

When the IDP is paid, the Tenant is registered into our PTHO program. (Explain the high level Benefits here) 

Upon successful completion of the RTO Program the IDP is returned to the Tenant as our way of saying Thank You for successfully exiting and the IDP will be credited towards the costs associated with buying the home in the future.

IT ONLY BECOMES A FEE WHEN THEY DEFAULT.

 

Estimated Total Monthly Rental Payment + Savings {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Estimated Total Monthly Rental Payment Factor {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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So the base rent wll be (Insurance & Taxes) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Base Rent Factor {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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With a savings component of  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Savings Component Factor {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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New RTO Payment Rent Payment  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Currently Rental Payment {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Rent Affordability = Payment Estimate - Rent Paying Now {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Percent Rent Increase  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Current Value of the Home You Can Afford In Our Program {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Program Appreciation Interest Rate {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Program Term in Years {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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FutureValueOfTheHomeBasedProgramAffordability {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Your Earned Equity Based on Program Appreciation {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Current Value of the Home You Can Afford In Our Program {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Market Appreciation Interest Rate {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Market Program Term in Years {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Future Value of the Home Based on Market  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Your Earned Equity Based on Market Appreciation {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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The Difference With Our Program vs. The Market  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Credit Consent:

If the client has an EQUIFAX or TU account ask the client to provide a "expanded view" credit report from either.

WE DO NOT ACCEPT CREDIT KARMA OR BORROWELL REPORTS.

If the client does not have an EQ or TU account, advise them that we can pull their Crediot Internally and when they complete the Rent to Own Program Agreement, they will provide us the consent inside of that form which will allow us pull Credit. 

If they refuse to allow us to pull Credit direct them to the Link below and they can get their own.

 

https://my.equifax.ca/consumer-registration/?lang=en

Upload Full Credit Report - Under 60 Days Old  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Investor Mortgage Calculation

Mortgage Amount - % Deposit {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Percent Deposit {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Principal  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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R - Annual interest rate (decimal) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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N - number of times interest is compounded per time period {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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T - number of time periods {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Payments Per Year {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Amortization {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Payments {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Mortgage Amount {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Monthly Mortgage Payment {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Land Transafer Tax Estimate 1.8% {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Process Checklist

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Admin Messaging

Admin Notes {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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HOS Program Status {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Processed By {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Partner Referral {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Submitted By {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Down Payment Assistance Qualified {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Send Program Benefits {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Send Initial Program Deposit Link {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Send Loan Infor Link to Client  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Looks Like You Are Mortgage Ready {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Do Not Qualify Based on Affodability  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Program Session Closing Soon {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Send Mortgage Candidate Terry {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Send Full RTO Program Application {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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