Why a pre-approval is so important:

  • When you get pre-approved, the amount that you can borrow is defined. This enables you to shop with confidence, knowing your financing is secured.
  • Having a mortgage pre-approved also strengthens your purchasing position when negotiating the price of a home as they know you are a qualified purchaser.
  • There is NO obligation once you are pre-approved. The mortgage rate and amount is held for you for 120 days in case you would like to use it, but there is no penalty if you choose not to.
  • If market rates go up during the holding time, your rate stays low, and if market rates go down, I can renegotiate for a lower rate on your behalf.


preapproved         current rates


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