SARAH COLUCCI, MORTGAGE BROKER
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Prequalify before you try to buy a home​, and increase your chances of home-buying success. 

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Pre-Approvals Are Fast & Easy But Not The Same As Pre-Qualifications

A mortgage pre-approval is not the same as a pre-qualification you would receive after filling out a generic application on the internet. A pre-approval is a comprehensive process that enables all mortgage criteria required for financing to be reviewed upfront such as income, credit, monthly liabilities, down payment, etc. An underwriter from a major financial institution will also review your application, and issue a "rate-hold", which guarantees you a low interest rate for up to 120 days or 4 months.
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Why Getting Pre-Approved For Mortgage Financing Is Critical

It usually saves time and money when you are aware of your maximum pre-approved mortgage limit. You won't look at properties that are priced too low or high, and you can submit a stronger offer to purchase that is more likely to get accepted by the seller. 

Realtors are better equipped to represent you when you have taken the time to sort out your mortgage financing beforehand. They can narrow down your property search, which equals better success in finding the perfect home. 

If you are already a homeowner and are exploring refinancing your existing property, a pre-approval can also assist in determining monthly savings. A mortgage pre-approval can help you map out a yearly savings plan, too. ​

Steps to Getting A Pre-Approval

1. Fill out the application by clicking on "Apply Now."
2. We will contact you to go over the particulars of the application within 24 hours.
3. If pre-approved, we will issue you a pre-approval certificate. 

If you have specific questions about the application, please call (647) 773-4849. 

GET IN TOUCH WITH US

Let's get started today.



Address

411 Queen St. 
Newmarket, ON
​L3Y 2G9

Sarah A. Colucci, Mortgage Agent Lic. M14000929
I Direct Mortgages Inc. 

Licence # 10584

Telephone

Direct: 647-773-4849
​
Email: sarah.colucci@coluccimortgage.com
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  • Home
  • Why Use A Mortgage Broker
  • APPLY ONLINE
  • PRODUCTS
    • Free House Value Tracker Report
    • CASH-BACK MORTGAGE
    • BRIDGE FUNDS
    • REVERSE MORTGAGES
    • SELF-EMPLOYED MORTGAGES
    • FIRST-TIME HOME BUYER PRE-APPROVALS >
      • FIRST-TIME HOME BUYER TAX CREDIT
    • MORTGAGE REFINANCE >
      • Prepayment penalties
    • SPOUSAL BUYOUTS
    • INVESTMENT PROPERTIES AND RENTALS
    • BRUISED CREDIT
    • PRE-APPROVALS
    • NEWCOMERS
    • DEBT CONSOLIDATION
    • HOME EQUITY LINE OF CREDIT
    • PURCHASE PLUS IMPROVEMENT PROGRAM
    • WHY INVEST IN REAL ESTATE
    • MORTGAGE RENEWALS >
      • New Mortgage Rules and Mortgage Renewals
    • SECOND MORTGAGE LOANS
    • LESS THAN 20% PROPERTIES
    • DOWN PAYMENT
  • CONTACT ME
  • PRIME RATE CANADA
  • CLOSING COSTS
  • DOCUMENTS REQUIRED FOR MORTGAGE FINANCING
  • MORTGAGE DICTIONARY
  • MORTGAGE NEWS
  • GOVERNMENT MORTGAGE RULES
  • MORTGAGE TIPS
  • HOUSE HUNTING CHECKLIST
  • APPRAISALS
  • Home
  • Why Use A Mortgage Broker
  • APPLY ONLINE
  • PRODUCTS
    • Free House Value Tracker Report
    • CASH-BACK MORTGAGE
    • BRIDGE FUNDS
    • REVERSE MORTGAGES
    • SELF-EMPLOYED MORTGAGES
    • FIRST-TIME HOME BUYER PRE-APPROVALS >
      • FIRST-TIME HOME BUYER TAX CREDIT
    • MORTGAGE REFINANCE >
      • Prepayment penalties
    • SPOUSAL BUYOUTS
    • INVESTMENT PROPERTIES AND RENTALS
    • BRUISED CREDIT
    • PRE-APPROVALS
    • NEWCOMERS
    • DEBT CONSOLIDATION
    • HOME EQUITY LINE OF CREDIT
    • PURCHASE PLUS IMPROVEMENT PROGRAM
    • WHY INVEST IN REAL ESTATE
    • MORTGAGE RENEWALS >
      • New Mortgage Rules and Mortgage Renewals
    • SECOND MORTGAGE LOANS
    • LESS THAN 20% PROPERTIES
    • DOWN PAYMENT
  • CONTACT ME
  • PRIME RATE CANADA
  • CLOSING COSTS
  • DOCUMENTS REQUIRED FOR MORTGAGE FINANCING
  • MORTGAGE DICTIONARY
  • MORTGAGE NEWS
  • GOVERNMENT MORTGAGE RULES
  • MORTGAGE TIPS
  • HOUSE HUNTING CHECKLIST
  • APPRAISALS