Mortgage Approval

Get help choosing the best home loan…

Whether you are looking to buy your first home, move home, refinance, renew your current loan, or invest in property, it is essential that you have the best home loan for your needs.

Complete the form below and we’ll get a home loan expert to call you and discuss your requirements.

  • Get access to hundreds of loans from all the major lenders
  • Help you choose the best home loan for your needs
  • Free expert no obligation advice

It is extremely important to have a mortgage pre-approval in hand once you begin shopping for a property. This will allow you to know exactly how much money the bank will lend you (so you don’t waste all of your time shopping for a home you can’t afford) and will set you apart from other buyers in a hot market. It is always extremely attractive from the point of view of a seller to receive an offer from a buyer who you know will be approved, and in the case of multiple offers, this is sometimes all it takes to beat out the other buyers!

As well, your pre-approved mortgage rate can be guaranteed for as long as 90 days. If rates go up during this period, you’re protected. If they go down, you will automatically get the lowest rate for the term selected.

After several years in the real estate business, I have worked with many mortgage specialists at all of the major banks and would be happy to share with you some of the best I’ve come across.

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Mortgages and getting prequalified

When you are buying a  home, receiving the right financing terms  may ultimately be the most  integral part of the process. I can help you  through the mortgage  process and refer you to many good mortgage  institutions that will be  sympathetic to your needs. As an Agent for Londono Immobilier, we even  have a dedicated team of mortgage brokers  who will get you the most  favorable terms on the market, and will be  able to scan institutions  across Canada for the best rates. Since I have resourses, I will be  able to help you and  advise you through every step of the process.

Pre-qualification; A very important step in the home buying  process is getting  pre-qualified for a mortgage on a home. This is  important because if  you will be financing your purchase you will want  to know exactly how  much “Home” you can afford. I can Pre Qualify you  for a mortgage, or I  can refer you to an independent mortgage broker who  will take care of  all your needs. Banks are also reliable places to get  pre-qualified for  mortgages, however in the end, it might be better to  see a separate  and impartial mortgage broker who will consider each  client request  starting as a “clean slate.” Meaning that your past  history will not be  any hindrance. Down Payment As part of your offer, you will need to  disclose the size of your down  payment. Once again, this allows the  seller to evaluate your likelihood  of obtaining a home loan. It is  easier to get approved for a mortgage  when you make a larger down  payment. The underwriting guidelines are  less strict.

Interest Rates; Another reason for including financing  information in your offer is to  protect yourself. If interest rates  suddenly become volatile and rise  quickly, as sometimes happens, you may  looking at a mortgage payment  much higher than you anticipated. By  putting a maximum acceptable  interest rate in the offer, you are  protecting yourself from such an  occurrence.

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