Mortgage Pre-Approvals in the GTA
A pre-approval tells you how much you can borrow before you start looking at homes. I review your finances, find a competitive rate and hold it, so you shop with a real number.
Why get pre-approved first
A pre-approval is based on your actual documents, not a rough guess. You learn your price range, you can shop with confidence, and any credit or income questions come up early, while there is still time to fix them.
What I look at
- Your income, employment history and how lenders will count it
- Your credit report and any items worth tidying up first
- Your down payment and where the funds are coming from
- Which lenders fit your file, and how long each will hold a rate
How it works
- Start with your goalWe talk about what you're looking to buy, your timeline and what matters most to you.
- Send your documentsYou send the items on the checklist and I review your file.
- Rate and amount confirmedI take your file to lenders and confirm what you qualify for.
I want you to know what I know, so we make an informed decision together. My aim is a relationship that lasts longer than your mortgage.
Pre-Approval Document Checklist
A one-page list of what to have ready for a pre-approval, so your file moves quickly.
Common questions
How is a pre-approval different from a pre-qualification?
A pre-approval verifies your finances and holds a rate, giving you a firm number to shop with. A pre-qualification is a rougher, unverified estimate.
How long does a pre-approval last?
Rate holds typically run 90 to 120 days, depending on the lender. I'll confirm the details for your file.