Mortgage Preapproval

Start Smart. Buy with Confidence.

Getting pre-approved is more than just a first step—it’s a strategic move that sets you up for success on your homeownership journey. It gives you a clear picture of your budget, signals to sellers that you're serious, and makes the entire buying process smoother from start to finish.

Whether you’re a first-time buyer, planning a move in the next few months, or just want to know what you can comfortably afford, a pre-approval puts you in the driver’s seat—ready to shop with confidence and negotiate with power.

What We Review During Your Pre-Approval:

Your income and employment details
Your credit score and history
Your down payment and available savings
Your debt-to-income ratio

Does a pre-approval hurt my credit?

A pre-approval has little effect on your credit and is a smart step toward homeownership.

How long is a pre-approval valid for?

Most mortgage pre-approvals are valid for up to 120 days (about 4 months), depending on the lender. This gives you time to shop for a home while locking in a rate and understanding your budget.

Even if you’re not 100% sure you’ll be buying within that timeframe, it’s still a smart move to get pre-approved early. It prepares you for when the right opportunity comes along and gives you a clear financial picture so you can make confident decisions—whether that’s next month or a little further down the road.

Can I get pre-approved if I’m self-employed or new to Canada?

Yes! We work with many lenders who offer flexible options for unique situations. To learn more about our new to canada services, click here.

UPDATE: We just renewed and Tracy and her team were able to get us even better rates than we thought possible! So grateful! Well done, and thank you! *** Tracy and her team are exceptional! They've got passion, integrity, and are determined to make things work. As owners of a proud Canadian manufacturing business, they worked magic to help us purchase both our new home and business studio! We could not have done it without them, and we are so grateful they're on our team! -Rob+Sarah

do and dare undie co.

11 months ago

Thank you so much to Samantha for all her help in getting me my mortgage! Her professionalism, knowledge, and most importantly, her dedication, were unparalleled throughout the process. Tracy runs a great brokerage with staff who are truly there for you, and I would highly recommend them to anyone.

Brendan Reid

6 days ago

Thanks to the Valko team for a smooth trouble free refinance! A+ service would greatly recommend this team !

Rick Kane

12 days ago

We have been in a transition of buying a home for 4 years due to personal circumstances. Cindy has been there for us, answering questions and helpful during the entire process. We were recently able to actually move ahead with pursuing buying a home, and Cindy made the mortgage process smooth, easy and calm. She went above and beyond and service and we will recommend her to anyone looking for a mortgage broker.

Rob Dunham

12 days ago

Excellent to work with, quick and efficient. Do everything they can to help you achieve your goal!

Clara

19 days ago

Josh Kuepfer

27 days ago

Ready to take the first step?

Let’s get you pre-approved today. We’ll shop the best rates, simplify the paperwork, and set you up for success.

Book A Free Consultation Start Your Pre-Approval