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 support to finalize your transaction at a cost-effective price via our network of law firms who have contracted our services*. We ensure that you are supported!
Transferring my Mortgage
At the direction and supervision of your case lawyer from our network*, 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 the 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)
Arrange for the reciept of funds from your new mortgage provider and disbursment of the funds by courier as instructed (E.g. to your former mortgage provider) via the legal trust of your case lawyer.
Register replacement of mortgage provider on the property’s land titles
Currently serving the Province of Alberta
Refinancing my Mortgage
At the direction and supervision of your case lawyer from our network*, 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 of legal or service fees)
Arrange a signing session with the Notary or Lawyer to witness signing of documents (included in standard service pricing)
As applicable, arrange for the reciept of funds from your new mortgage provider and disbursment of the funds by courier as instructed (note: not applicable for 2nd mortgages)via the legal trust of your case Lawyer
Register the new mortgage with land titles
Property Sale
At the direction and supervision of your case lawyer from our network*, 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 the 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
Arrange for the reciept of funds from the buyer and disbursement of funds by e-transfer via the legal trust of your case lawyer (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
*ESM Title and Mortgage Services does not provide legal services, legal representation, legal judgment, or legal opinions.
When supporting law firms, ESM provides administrative, paralegal, law‑clerk, and intake‑related services under the direction and supervision of the lawyer, solely to assist in the efficient delivery of the lawyer’s services. All legal services are provided exclusively by the licensed lawyer, who retains full responsibility and control over all legal work and professional judgment.
ESM also offers independent non‑legal administrative services as a separate option. These services are strictly administrative in nature and do not involve the interpretation of law or the provision of legal advice. Please contact us if you would like more information about this option.
Home Purchase
At the direction and supervision of your case lawyer from our network*, ESM Mortgage and Title Services will 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 the Notary or Lawyer to witness signing of Documents (included in standard service pricing)
Arrange for the reciept of funds from your new mortgage provider and disbursement of funds by courier as instructed via the legal trust of your case Lawyer
Provide confirmation for property possession
Register the purchase and new mortgage with land titles