Services

Mortgage Pre-approval

The first step when deciding to purchase a home (even before you start shopping with a REALTOR® or builder) is to get a mortgage pre-approval by an experienced mortgage advisor.

Here's why:

By getting a mortgage pre-approval, you’ll have a better idea of how much you can borrow, what your monthly mortgage payments will be and the mortgage options available to you.

If you choose a fixed interest rate mortgage, you are guaranteed a rate during the pre-approval period, so you are protected if interest rates rise while shopping for a home. If interest rates lower in that period, you will receive the lowest rate available.

Once you’ve found the perfect home, you’ll be able to act quickly because you’ve obtained a mortgage pre-approval. Your offer will be stronger, and there will be little to no surprises during the approval process. In most cases, you will receive your mortgage approval much sooner.

Find out how much you can afford before you start shopping for a home.

A mortgage pre-approval will keep you focused on looking for homes in your price range. If you qualify for a pre-approved mortgage, you’ll know the maximum mortgage amount you can afford, and secure an interest rate during the mortgage pre-approval.

If you don’t qualify for a pre-approved mortgage, we will guide you in the right direction. The proper advice and an estimated time frame will put you on the path to homeownership.