The Most Important First Step When Looking To Purchase
We believe the single best thing you can do before shopping for a home is to get a mortgage pre-approval. If there are surprise items on your credit report we need to fix – you’ll have time to do it. You don’t want to shop and fall in love with a property only to learn that lenders won’t play.
We also believe that you shouldn’t have to wait days or weeks for an appointment with a mortgage specialist or for an answer to what you will qualify for.
Mortgage decisions on based on your credit history, credit report, gross income and debt payments.
Therefore, you have a few different ways to move forward with a pre-approval request:
- You can complete an online application through our secure server
- You can complete a fillable-pdf application form and email to us
- You can print, complete and scan the application form to us
- You can simply call us at 519-396-6800 – we are typically available until 9pm
We can typically pre-approve your application within 1 hour of talking – certainly within 24 hours.
PS – some branch-based lenders are still providing pre-approvals without looking at your credit report – don’t be fooled or get caught – insist that any pre-qualifications include a full credit report check!