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Why it’s important to get pre-approved for a mortgage:

So you think you’re ready to start shopping for a home – either your first home or your next home? Not so fast, says Michele Hall of Mortgage Intelligence in Barrie, Ontario. Have you been pre-approved for a mortgage first? While you might think you have your finances in order, there’s nothing more disappointing than finding the home of your dreams only to be turned down by your lender due to credit or debt servicing issues. When Michele Hall does a pre approval for you, she will check your credit history, verify your income. and she can then coach you on what to do next. Her favorite saying is “Surprises are for Birthdays, not for Real Estate.
There are several advantages to having a mortgage pre-approval. A pre approval will give you a much clearer idea of what price range of homes you should be looking at. Things you may need to do in advance so she can get you the best mortgage financing options in the market. If the house of your dreams is just outside your finances, we also have programs that will allow you to include the cost of your renovations in your mortgage. Therefore, you can turn a house that needs TLC into your dream home and stay within your budget.
Many people who have their homes for sale prefer to know in advance that the clients have been pre approved for a mortgage and have their financing in order. In today’s market where there are often several offers on a home at the same time, having your financing ready to go will give you a competitive edge for sure.
Michele Hall