Tell me about your plans
Let me know when you hope to buy, how much you have saved, and the monthly payment you would feel comfortable with.
MORTGAGE SERVICES
Mortgage pre-approval.
A pre-approval gives you an estimate of how much a lender may lend you. I’ll help you understand the documents needed, your possible payments, and what still needs to be approved.
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How I can help.
Review your finances
The lender looks at your income, debts, savings, and documents to decide how much you may qualify to borrow.
Understand your budget
I’ll explain your estimated price range and any conditions. The lender still needs to approve the home you choose and confirm your finances.
Does a pre-approval guarantee a mortgage?
No. A lender must still approve the property and confirm that you meet its requirements. A pre-approval helps you plan, but it is not a final approval.
What information will I need?
Start with your income, employment, debts, and down-payment savings. I’ll explain which documents are needed and how to send them safely.
Should I spend the full amount I qualify for?
You do not have to. Choose a payment that leaves room for bills, home repairs, savings, and other expenses. You also need money for the costs of completing the purchase.
Read more: FCAC: Getting preapproved for a mortgage
Have a mortgage question?
Tell me what you need help with. I’ll explain your options and the next steps.