Realtor does not offer mortgage loans. The approval process depends on the lender. REALTOR.ca can assist you in your home buying or selling journey. There is a direct dependency between high lending criteria and the affordability of the loan. Reputable lenders have high standards and stress test borrowers to ensure they have good credit, are able to service and repay the loan, and that the loan will not become a toxic asset. If you meet the lender's criteria, the process is usually simple and friendly.