When it comes to buying a home, applying for your mortgage is the very first step. Obtaining your mortgage involves several preliminary actions including:
The very first step is ordering a copy of your credit score. Your bank will be able to send you this for free upon request. A potential lender will look at your credit report to help indicate your reliability as a mortgage candidate.
A healthy credit score will make lenders more likely to work with you. If you are interested in purchasing a home, it's a good idea to practice excellent credit skills for the months and years leading up to the purchase.
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A pre-approval application includes detailed information, such as:
To ensure that you are getting the very best mortgage rates, our brokers will consider all options offered by each lender, including:
To qualify for a mortgage, our brokers will take into consideration your income and expenses to ensure you can afford the amount you are asking for and pay it back.
