BrokerDam resources
What the AI Underwriter reads
The useful findings are often between documents. Review what each source establishes, what can disagree and what still needs your judgment.
Notice of assessment
An NOA helps you understand what the CRA assessed. It belongs beside the income documents, not in place of them.
Read the document guideT4
A T4 anchors employment income to a completed tax year. It is a useful starting point, but it does not tell the whole current income story.
Read the document guidePay stub
A recent pay stub shows what is happening in the current job. Read the earnings and deductions together before relying on an annualized number.
Read the document guideBank statements
Bank statements tell you how money moves through the file. Follow the deposits and payments, not just the closing balance.
Read the document guideCredit report
A credit score is only one part of the review. The commitments behind it can change the file even when the application looks clean.
Read the document guideMLS listing
The property costs belong in the ratios as much as the income does. A listing can help you spot a missing tax or strata fee before submission.
Read the document guidePrepare a document request
Choose the income and property categories in the free mortgage document checklist, then print or copy the list for your client.
Start with the whole file
No single document settles a mortgage application. Compare income, debt and property costs, then keep the questions and the evidence together. The AI does not approve or decline, contact lenders or contact credit bureaus. The broker reviews every finding.
See the Emily Carter sample report →Related
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