Secure a Mortgage Facility
Your Step-by-Step Guide to Securing a Mortgage
Securing a mortgage requires careful preparation, documentation, and due diligence. Bill Cotey Realty supports clients throughout the entire process—from property selection to final approval.
Step 1: Mortgage Readiness Assessment
We help you assess:
- Income and repayment capacity
- Employment or business stability
- Age and loan tenor suitability
- Residency or diaspora status
This ensures you pursue a mortgage that aligns with your financial profile.
Step 2: Property Selection & Verification
Before mortgage application:
- Property documents are reviewed
- Land title searches are conducted
- Zoning and ownership compliance is confirmed
This protects you from rejected applications or future disputes.
Step 3: Documentation Preparation
Common requirements include:
- Valid identification
- Proof of income or business records
- Bank statements
- Property documents and site plans
- Offer letter from seller or developer
We guide clients on documentation completeness to avoid delays
Step 4: Mortgage Application & Processing
Once documents are ready:
- Application is submitted
- Property valuation is conducted
- Legal and credit checks are completed
Processing timelines vary depending on property type and applicant profile.
Step 5: Approval & Completion
Upon approval:
- Loan terms are finalized
- Agreements are executed
- Funds are released for property acquisition
Bill Cotey Realty continues to provide support through completion and handover.
Why Work with Bill Cotey Realty
- Expert guidance through complex mortgage processes
- Property and document verification before commitment
- Support for both resident and diaspora clients
- Integration of legal, land, and financial considerations
Mortgage Calculator
30
Years Fixed
3.5%
Interest
- Principal and Interest
EXPLORE MORTGAGE PROPERTIES
3-Bedroom En-Suite Home for Sale – Katamanso (New Bridge)
Kantanmanso
Added: January 19, 2026
$120,000
