Local to Norfolk County
Home purchase
and pre-approval
Know what you can afford before you start your search, and make a stronger offer when you find the right home. I’ll get you pre-approved, compare options across lenders and support you through to closing.
How buying a home works
Here’s how the process works and where I’ll help along the way.
Get pre-approved
I’ll review your income, credit and goals to work out what you can afford.
Start your home search
Shop with a budget you know you can manage.
Make an offer
I’ll help you understand the terms and conditions before you commit.
Get final approval
The lender reviews your application and the home you’ve chosen. Once it approves your mortgage, you can complete your purchase.
Know what your
pre-approval means
A pre-approval gives you a clear picture of your budget, based on your income, credit and current rates. It shows sellers you’re a serious buyer and helps you move quickly when you find the right home.
Know your budget
See what you can comfortably afford.
Make stronger offers
Show sellers you’re ready and qualified.
Catch issues early
I’ll flag anything that could affect your approval before you make an offer.
Compare your mortgage options
I’ll look at your whole situation and find options that fit your goals, now and in the future.
A payment you can plan around
See how your payment fits your budget after your down payment and closing costs.
A choice of lenders
Compare options from banks, credit unions and other lenders I work with.
Terms that support your plans
Choose terms that work now and still give you room if your plans change.
Help at every step
Know what happens next, with clear guidance from start to finish.
Found a home?
I’ll help with what comes next.
Once you’ve found a home, I’ll take care of the mortgage side so you can focus on the move.
I’ll:
- Review the purchase agreement.
- Work with the lender on your full application.
- Explain conditions such as the inspection or appraisal.
- Keep you updated until closing.
Questions about buying a home
What documents do I need for a mortgage pre-approval?
You’ll usually need identification, recent pay stubs, an employment letter, bank statements showing your down payment and details of your debts. Self-employed applicants may need tax returns and business records. I’ll give you a document checklist based on your situation.
Will getting pre-approved affect my credit score?
A mortgage application usually involves a hard credit check, which can affect your score. Checking your own credit report doesn’t. We can start by talking through your plans. I’ll explain when the lender needs a credit check and ask for your consent first.
How long does a mortgage pre-approval last?
It depends on the lender. A pre-approval may include a rate hold of 60 to 130 days. I’ll confirm your expiry date, what the rate hold covers and what you’ll need to update if you haven’t found a home by then.
Do I still need a financing condition if I’m pre-approved?
A pre-approval doesn’t guarantee financing for a particular home. The lender still needs to review the property and your application. Before you waive a financing condition, talk to me about any outstanding mortgage requirements, and talk to your real estate agent or lawyer about the risks.
Could changing jobs or buying a car affect my approval?
Yes. Changes to your income or debt can affect how much you qualify to borrow. Talk to me before you change jobs, finance a vehicle or take on new credit during your purchase. I’ll tell you whether the lender needs to reassess your application.
Can I take my current mortgage with me when I move?
Possibly. If your mortgage is portable, you may be able to transfer it to your next home if your lender approves and its restrictions allow it. I’ll compare that option with a new mortgage, including any penalties, extra borrowing and timing requirements.
Let’s talk about your next home
You don’t need a pre-approval or a property in mind to get in touch. Tell me about the home you’re hoping to buy, and we can start there.
A first conversation costs nothing and commits you to nothing.