Mortgage services
Mortgage pre approval
Know your price range before you tour homes, so you can shop with confidence.
Before you start house hunting, we help you get a pre approval. A pre approval is a conditional commitment from a lender to lend up to a certain amount based on the information reviewed. It gives you a realistic price range so you can avoid surprises and focus on homes that fit.
Use the calculator for a quick starting point, then let me confirm the best strategy and exact numbers for your purchase, renewal, or refinance.
Compare scenarios with the mortgage calculatorYou will get a quick range on your own, and then we will validate the right rate, term, and structure together.
Service snapshot
5
Steps
3
Documents
5
FAQs
We confirm timelines, documents, and exact numbers after a quick review.
What you will learn
Confidence starts with clarity
We break down the options, trade-offs, and numbers so you can make the right move without guessing.
What a pre approval means and what it does not mean
What lenders review when they set your limit
How to strengthen your file before you buy
How it works
A clear plan from first call to closing
We keep the process organized and transparent at every step, so you always know what happens next.
Gather income, down payment, and basic credit details
Clarify goals, timing, and budget.
Estimate affordability based on today's rates and guidelines
Gather details that shape the plan.
Choose the best lender match for your situation
Compare structures, rates, and lenders.
Submit and confirm conditions to satisfy
Submit the application with clean documentation.
Give you a clear budget and a next steps checklist
Clear conditions and confirm the approval.
Swipe to view the full workflow.
Documents you may need
Get organized early
We confirm the exact list based on your situation.
Secure collection
We guide you on what to send and why it matters, so nothing is missing or unclear.
Request a free consultation- Income verification
- Down payment confirmation
- Identification
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Pre Approval questions, answered
How long does a pre approval last
Most pre approvals are valid for about 90 to 120 days, depending on the lender.
Full answer
Most lenders issue pre approvals for 90 to 120 days. We confirm the exact expiry, watch for rate changes, and refresh the pre approval if your timeline shifts.
Does a pre approval guarantee my mortgage
No. Final approval depends on verifying documents, the property, and lender conditions.
Full answer
A pre approval is conditional. Final approval depends on verified documents, the property, and any lender conditions that must be satisfied before closing.
Can I still shop if rates change
Yes. We monitor rates and adjust your budget or strategy if needed.
Full answer
We monitor rates and can refresh the pre approval or adjust your purchase plan if affordability changes. You will always know where you stand.
What if I am paid hourly or on commission
We can use averaged income and collect the right documents to support it.
Full answer
Lenders typically use averaged income and require specific documents like T4s, pay stubs, or letters of employment. We gather the right proof so your income is counted correctly.
What happens after I find a home
We move from pre approval to full approval and guide conditions through to closing.
Full answer
Once you have an accepted offer, we submit the property details, satisfy lender conditions, and keep the timeline on track through to closing.
Ready when you are
Let's build a mortgage plan that fits you
Use the calculator for a quick starting point, then let me confirm the best strategy and exact numbers for your purchase, renewal, or refinance.
Compare scenarios with the mortgage calculator