Looking to improve your client’s mortgage experience?

By covering costs for transfers, refinancing or a new mortgage you can give your client’s a great experience in this competitive mortgage environment

ESM Title and Mortgage Services

  • ESM Title and Mortgage Services include:

    • Conducting a review of the mortgage transaction & performing a title search

    • Ordering a payout statement from the existing lender to confirm the exact balance of the current mortgage, and any penalties applied to the transaction

    • Providing documentation to the Funding team at the client’s financial institution to fulfill standard legal conditions associated with the transaction

    • Coordinating a document signing session with a Notary or Lawyer and the mortgage client

    • Registering the appropriate document(s) with Provincial Land Titles

    • As required, collecting and disbursing funds (including current mortgage amount and any applied penalties)

  • ESM Title and Mortgage Services include:

    • Conducting a review of the mortgage transaction, performing a title search and collecting any other required information (e.g. Municipal Property Tax Statement, Real Property Report, Estoppel Certificate, Dower Act-Affidavit, Provincial fees for additional mortgage amounts)

    • Ordering a payout statement from the existing lender to confirm the exact balance of the current mortgage, and any penalties applied to the transaction

    • Providing documentation to the Funding team at the client’s financial institution to fulfill standard legal conditions associated with the transaction

    • Coordinating a document signing session with a Lawyer and the mortgage client

    • As required, collecting and disbursing funds (including current mortgage amount, applicable provincial fees and any applied penalties)

    • Registering the appropriate document(s) with Provincial Land Titles (including new mortgage amount/provider with Provincial Land Titles)

  • ESM Title and Mortgage Services include:

    • Conducting a review of the mortgage transaction, performing a title search and collecting any other required information (e.g. Municipal Property Tax Statement, Real Property Report, Estoppel Certificate, Dower Act-Affidavit, Provincial fees for additional mortgage amounts)

    • Collect required information from agents in the property transaction (Real Estate Company, Lawyer and/or Title Agent including purchase agreement document(s), transfer of land, confirmation of conditions of purchase and/or other documents as required)

    • Providing documentation to the Funding team at the client’s financial institution to fulfill standard legal conditions associated with the transaction

    • Coordinating a document signing session with a Lawyer and the mortgage client

    • As required, collecting and disbursing funds (including new mortgage amount, applicable provincial fees and any applied penalties)

    • Registering the appropriate document(s) with Provincial Land Titles (including Transfer of Land title, and new mortgage amount/provider)

Intrested in taking the next step?

We would love to hear from you. Please provide your contact information and we will have a Senior Team memeber reach out to you.

ESM Mortgage and Title Service Advantage

  • Cost

    If your company is covering legal fees for transfers, refinancing or new mortgages this typically can cost $1,000 - $5,000/transaction. By using ESM Title and mortgage services you can save your company 100’s - 1,000s of dollars per transaction.

    ESM Mortgage and Title service is guaranteed to be competitively priced with other Title Service companies and we provide outstanding service!

  • Service

    One of the areas that other Title Service companies typically experience problems with is obtaining Mortgage Statements in a timely manner. ESM Title and Mortgage Services has designed it’s process to optimize processing time with it’s standard Care + Program. This includes:

    • Embedding Mortgage Statement Request Approval into the original intake process (this typically saves 2-3 days)

    • Mortgage Statement Request Forms that are clear and are aligned with Bank process (this avoids contact for clarification and improves processing time)

    • Standard follow up if a statement is not received in 5 days, 7 days and 10 days as well as escalation to a Bank officers/client mortgage agent if this is required (banks typically do a great job of processing mortgage statements if the request is clear. However, in the circumstances where there are barriers or unexpected delays, we are on it.)

    • Informing you every step of the way. We let you know when we have requested and if any delays are occurring in a timely manner so there is no surprises and your Mortgage administration team can focus on their tasks (We got it!)

    • On average, we receive mortgage statements from banks in 4-5 days

    We also provide a broader service offering than other title service companies typically offer. In addition to Mortgage transfers, we also handle Mortgage Refinancing and New Mortgages (our team includes both notaries and lawyers).

  • Administrative Team Experience

    We know how hard your Mortgage Administrative team works and the demands they face. With our secure website for new mortgage client intake, we make it easy for your administrative team to provide the required information to process mortgage transfers, refinancing or new mortgages.

    We are also able to align to your processes and interface with your Customer Relations Management tools like SAP to provide us with file information directly.

    We keep your team informed, provide information in a timely manner, and if there are any unexpected findings we make sure your team is informed so they can handle and keep closing on track. We are committed to your team!

  • Client Experience

    By covering processing cost for transfers, refinancing or a new mortgage you can give your client’s a great experience in this competitive mortgage environment. Not only are you saving your client 100’s to 1,000’s of dollars, you are also dramatically increasing the ease of doing business with you. Clients provided with ESM Mortgage and Title Service do not have to search for a lawyer or agent to witness document signing, perform title searches and registration with land titles.

    By saving your clients on closing costs and making it easy to do business, you are dramatically increasing the chance of your mortgage product being selected as well as being referred.

  • We Are Canadian Owned

    It is surprising who is not actually Canadian owned! Both FTC (First Canadian Title) and FNF-Canada are owned by American parent companies. We don’t just wrap ourselves in the Canadian flag, ESM Title and Mortgage is 100% Canadian owned and operated. We are a Canadian company that is designed to meet Canadian needs.

    Using ESM Title and Mortgage services is not only good for the Canadian economy, with our outstanding service, it just makes good business sense!