How can homeowners reduce the risk of title and mortgage fraud?
Title fraud can involve forged documents and an unauthorized transfer or mortgage, making identity protection and title monitoring important.
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How can a non-resident seller affect an Ontario home closing?
Canadian tax rules can create purchaser liability and withholding when a non-resident sells taxable Canadian property without the required certificate.
Can someone be on title without being a mortgage borrower?
Ownership and mortgage responsibility are related but not identical, and lender policy, tax and legal consequences must be reviewed before closing.
What should I know before buying or refinancing an estate property?
Estate authority, probate, title and closing timing can be uncertain even when the buyer’s mortgage qualification is strong.
Can a power of attorney sign my mortgage or home purchase documents?
A power of attorney may authorize property decisions, but the document, capacity, lender policy and lawyer’s verification all matter.
Can a name mismatch on identification and title delay mortgage closing?
Differences between legal names on identification, credit, purchase documents and title can require corrections or supporting evidence.
Why might my spouse need to consent to a mortgage when only I am on title?
Ontario matrimonial-home rights can affect a sale or mortgage even when one spouse alone is the registered owner.
How can property-tax arrears affect my mortgage or refinance?
Unpaid property taxes can change lender approval, legal payouts and net proceeds, and serious arrears can create enforcement risk.
Can a lien, judgment or writ stop my refinance or purchase closing?
Registered claims and executions can interfere with title, mortgage priority and the amount available from closing proceeds.
What does the lawyer’s title search check before my mortgage closes?
A title search can reveal ownership, mortgages and registered interests that must be understood or cleared before mortgage funds are released.