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Why Getting Pre-Approved For Mortgage Financing Is Critical

Being aware of your maximum pre-approved mortgage limit can save you both time and money. You won't look at properties that are too low or high, and you can submit a stronger offer that is more likely to be accepted by the seller. 

Your Realtor will be better able to represent you if you have sorted out your mortgage financing ahead of time. You will have a better chance of finding the perfect house if you narrow down your property search. 

A pre-approval can also be helpful if you are already a homeowner and considering refinancing your existing property. You can also map out a yearly savings plan with a mortgage pre-approval. ​​

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

A mortgage pre-approval is different from a pre-qualification you receive after filling out a generic online application. A pre-approval is a comprehensive process that enables all mortgage criteria required for financing to be assessed up-front, including income, credit, monthly liabilities, and down payment. A major financial institution will also review your application and issue a "rate-hold", which guarantees you a low interest rate for 120 days or 4 months.

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. 

Apply Now