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.
Cindy did a great job explaining the home buying process to a first time home buyer and helped us navigate financial approval and a quick closing. We are so thankful she was referred to us!
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Jo Reason
5 days ago
Meghan V
5 days ago
Amazing service and Knowledge. They were able to find what best suited our needs with constant communication. Couldn't asked for more. I would recommend Cindy White and the Valko team to anyone.
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Mark Hainer
2 years ago
Very happy that we chose them for our mortgage. Made the whole experience easy and as stress-free as possible.
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Meagan Rowe
6 days ago
It was an absolute pleasure to work with Cindy White. She was always available to answer questions and got our mortgage package together very quickly. I would highly recommend her.
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Shannon Avery
6 days ago
Tracey and her team were very professional and diligent in getting my mortgage done on time. Everything went very smoothly and I was grateful for that.
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Sean
12 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.