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.
What you will learn
- 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
01.
We gather income, down payment, and basic credit details
02.
We estimate affordability based on today's rates and guidelines
03.
We choose the best lender match for your situation
04.
We submit and confirm conditions to satisfy
05.
We give you a clear budget and a next steps checklist
Documents you may need
Get organized early
We will confirm the exact list based on your situation.
- Income verification
- Down payment confirmation
- List of monthly debts and payments
- Identification
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Bruised Credit
A temporary setback does not have to stop your home plans.
Frequently asked questions
Answers to common questions
How long does a pre approval last
Most pre approvals are valid for about 90 to 120 days, but it varies by lender. We confirm the expiry and plan around it.
Does a pre approval guarantee my mortgage
No. It is conditional. Final approval depends on verifying documents, the property, and any lender conditions.
Can I still shop if rates change
Yes. We monitor rates and update the strategy. If rates move, we can reassess your budget and options.
What if I am paid hourly or on commission
We can use averaged income and supporting documents. We will collect the right proof so lenders can evaluate it fairly.
What happens after I find a home
We move from pre approval to full approval, submit the property details, and guide conditions through to closing.
Ready when you are
Let's build a mortgage plan that fits you
Tell us what you are working toward and we will map out the next best step with clear numbers and a simple plan.