You have your dream home. You found a great mortgage. Now what?
Whether you are transferring your mortgage for a new great rate, refinancing your mortgage, purchasing a new home or selling a home we provide you the mortgage and title services you need to finalize your transaction at a cost-effective price
Transferring my Mortgage
ESM Mortgage and Title Services will:
Receive mortgage documents from your new provider
Request a Payout Statement for current mortgage associated with the property
Request and receive a Land Title Search and Municipal Property Tax Certificate on the Property
Prepare a summary of Adjustments/ Disbursements and a document package
Arrange a signing session with a Notary or Lawyer to witness signing of documents (included in standard service pricing)
Collect any additional funds required to complete the transaction (e.g. bank processing fees or penalties and payment for ESM Morgage and Title Services)
Receive funds from your new mortgage provider and disburse the funds by courier as instructed (E.g. to your former mortgage provider)
Register replacement of mortgage provider on the property’s land titles
Currently serving the Province of Alberta
Refinancing my Mortgage
ESM Mortgage and Title Services will:
Receive mortgage documents from your mortgage provider
Request a Payout Statement for mortgage associated with the property (note: not applicable for 2nd mortgages)
Request and receive a Land Title Search and Municipal Property Tax Certificate on the property
Prepare a summary of Adjustments/ Disbursements and a document package
Collect any additional funds required to complete the transaction (e.g. Provincial fees for additional amounts, bank processing fees or penalties and payment for ESM Mortgage and Title Services)
Arrange a signing session with a Notary or Lawyer to witness signing of documents (included in standard service pricing)
As applicable, receive funds from your new mortgage provider and disburse the funds by courier as instructed (note: not applicable for 2nd mortgages)
Register the new mortgage with land titles
Property Sale
ESM Mortgage and Title Services will:
Receive property sale documents from your Realtor
Request a Payout Statement for mortgage associated with the property
Request and receive a Land Title Search and Municipal Property Tax Certificate on the property
As appropriate, request (from the seller) and receive an Estoppel certificate from the Condo Board or HOA (seller is responsible for this cost)
Prepare a summary of Adjustments/ Disbursements and a document package
Arrange a signing session with a Notary or Lawyer to witness signing of documents (included in standard service pricing)
Provide a Transfer of Land and other required documents to the Buyer’s Agent (Lawyer or Title Service Agent)
Receive or direct funds from the buyer and ensure disbursement of funds by e-transfer (Included in standard service pricing)
Provide confirmation for property possession
Request your mortgage provider, upon receipt of funds, discharge the mortgage from the property’s land title
Home Purchase
ESM Mortgage and Title Services will:
Receive property purchase documents from your Realtor
Request and receive a Land Title Search and Municipal Property Tax Certificate on the property
As appropriate, receive from the seller’s agent an Estoppel certificate from the Condo Board or HOA (Seller is responsible for this cost)
Receive from the sellers agent the Transfer of Land
Prepare a summary of Adjustments/ Disbursements and a document package
Collect any additional funds required to complete the transaction (e.g. Provincial fees for additional amounts, bank processing fees or penalties and payment for ESM Mortgage and Title Services)
Arrange a signing session with a Notary or Lawyer to witness signing of Documents (included in standard service pricing)
Receive funds from your new mortgage provider and disburse funds by courier as instructed
Provide confirmation for property possession
Register the purchase and new mortgage with land titles