As the very first step in your homebuying journey, we’ll help you obtain a pre-approval before you even begin house hunting. This will prevent you from falling in love with a home you simply can’t afford. A pre-approval is a conditional commitment from a lender to grant you a mortgage. Your Mortgage Broker will conduct a thorough analysis of your finances and creditworthiness, and further assess whether you meet the requirements to successfully secure the loan you’re seeking. Affordability is determined by looking at a number of factors including your income, interest rates, down payment amount, housing costs and other ongoing financial obligations such as credit card debt and car payments.