Mortgage Pre-Approval

The first step in the home buying process is to obtain a pre-approval from a bank or lender. A pre-approval is simply a rate hold, typically for 120 days. This allows you to shop for a home without the risk of interest rate changes. The pre-approval also provides you with a purchase price for which you can shop. One of our mortgage brokers will help you acquire the pre-approval so you are confident you have the best product.

Three Ways to Get Pre-Approved

Our team of professional mortgage brokers will have you pre-approved within 24 hours!

Online Application

Complete the full online mortgage application to get a full pre-approval.

Online Mortgage Application

Contact a Broker

Contact a mortgage broker to discuss questions or to arrange an appointment.

Contact a Mortgage Broker

Quick Application

Use our quick app to have one of our local mortgage brokers contact you.

Quick Mortgage Application

Mortgage Rate Guarantee

A mortgage pre-approval will guarantee today's best rates for 120 days.

lowest mortgage rate guarantee

A mortgage pre-approval provides you a letter confirming your maximum spending limit and an interest rate guarantee for up to 120 days, even if rates rise in the meantime. This protects you while you shop for a home. If rates should drop before your mortgage funds are advanced, you will automatically receive the lowest rate during the 120 day period or we can reset the pre-approval for a new 120 rate hold at the new lowest rate.

Before you begin shopping for your next home, be sure to acquire a pre-approval certificate from your broker. This will outline all the details of your mortgage including the rate guarantee and what you can afford. Always remember the mortgage pre-approval is not an official approval! You always need to make any offer on a home conditional to financing as the lender must complete the necessary underwriting to confirm your employment, down payment, and property before financing is officially approved.

Why You Should Get Pre-Approved

There are a number of reasons you should get pre-approved for a mortgage.

mortgage preapproval

Many real estate agents may require you to acquire a mortgage pre-approval before they will begin working with you. The pre-approval certificate is a great way to show your agent that you are a qualified buyer. The fact that you already have your mortgage financing arrangements in place indicates to prospective vendors that you are a serious buyer.

A pre-approval gives you the confidence and security to negotiate a house price that falls comfortably within your budget. You want to be certain you can comfortably afford the home before you make an offer.

Did you know acquiring a mortgage pre-approval is absolutely free with no cost or obligation. We will setup your pre-approval within 24 hours so that you can start shopping for a new home with no delays!