Set Up Your CRA My Account Before Your Mortgage

Here's a five-minute job that saves days later: set up your CRA My Account now - even if you're not buying for a while.

When you apply for a mortgage, your lender almost always needs documents that live in your CRA account: your Notices of Assessment, your T4s, sometimes proof of income. If you're self-employed, it's even more important. And if you're pulling from your RRSP or FHSA for your down payment, that ties into CRA too.

The catch: CRA My Account isn't instant. When you first register, they mail you a security code to finish setting it up - and that can take a week or more.

So the worst time to start is the week you've found a house and the clock is ticking. The best time is today, when there's no pressure.

Do it now and everything downstream gets easier - I can get you documents faster, your approval moves quicker, and you're not tearing the house apart looking for a paper NOA from three years ago.

Not sure what you'll need? Reach out and I'll send you a simple checklist so you're ready before you even start looking. Getting your ducks in a row early is half the battle.

Getting Ready to Buy? Let's Talk →

Have a question about this? Let's talk - no pressure, no sales pitch.

📞 403-703-6847 (call or text) | ✉️ Shawn@ShawnSelanders.ca

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Shawn Selanders | RECA-Licensed Mortgage Broker | Mortgage Architects | Serving Calgary, Okotoks, High River & Southern Alberta. Rates and programs change - confirm current details with me. O.A.C. E.&O.E.