Get Pre-Approved and See What's Possible
Understanding your borrowing capacity helps you search with confidence. Our pre-approval process is straightforward and transparent, giving you a clear picture of what you can afford before you fall in love with a home.
Take Control of Your Home Search
Pre-approval gives you real insight into your financial position. Rather than guessing what you might qualify for, we work with you to understand your complete picture—your income, debts, assets, and credit profile. This clarity empowers you to search in the right price range and move quickly when you find the right property. Real estate agents take pre-approval seriously, and sellers are more likely to consider offers from pre-approved buyers. The process typically takes a few business days, and we'll guide you through every step. Our goal is to make this feel straightforward, not overwhelming.
What Our Customers Tell Us
- Clear answers to every question
- Fast turnaround on approval
- Real people, not automated responses
A Personal Approach
You're Not Just a File Number
Every financial situation is different, and we treat yours that way. We ask questions to understand your goals, your timeline, and any concerns you might have. Maybe you're a first-time buyer wondering what to expect. Maybe you're self-employed and concerned about documentation. Maybe you've had credit challenges in the past. Whatever your circumstances, we listen and explore what options might work for you. This personal attention extends throughout your entire mortgage journey—you'll have a dedicated contact person who knows your file and can answer your questions directly.
Pre-Approval Questions Answered
Find answers to common questions about the pre-approval process and what to expect.
What documents do I need for pre-approval?
We'll typically ask for recent pay stubs, tax returns from the past two years, bank statements, and details about any existing debts. If you're self-employed, we may need additional documentation. Our team will give you a complete list upfront so you can gather everything at once.
How long does pre-approval take?
Most pre-approvals are completed within two to three business days. We review your information, verify your employment and assets, and check your credit. If we need clarification on anything, we'll reach out promptly. Once approved, your pre-approval letter is typically valid for a set period while you search for homes.
Does pre-approval affect my credit score?
A pre-approval does involve a credit inquiry, which is a normal part of the lending process. Our inquiry is a soft pull for your benefit and won't significantly impact your score. Multiple mortgage inquiries within a short timeframe are typically counted as a single inquiry, so feel free to shop around if you want to compare options.