FIRST TIME BUYERS

First-time buyers are coming back into the market, and the smartest move isn’t scrolling listings, it’s getting your financing sorted properly. A mortgage pre-approval in Canada can range from a quick estimate to a fully documented review, but it’s not a final approval. In this video, I explain how pre-approvals actually work, what lenders verify, and why final underwriting only happens once there’s an accepted offer on a property. Even if you’re buying next year, speaking with a strong mortgage broker today lets us build a clear, realistic plan so you’re ready when the right home shows up.

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