Our online mortgage pre-approval is simple and easy. You just need to fill out the essential information, anything omitted can be obtained through consultation and/or preferred communication.

Through a secure email, we receive your submitted form and provided information. We prepare and provide your file to one of our qualified mortgage professionals. One of our mortgage brokers will be in contact with you as soon as possible.

Using the submitted information you provide, we analyze your financial situation and assess an appropriate mortgage and lender for your financial needs.

We pull one credit report, which can be used for multiple lenders. This saves you from negatively impacting your credit score by pulling many credit reports when shopping around for a lender without a mortgage broker.

We calculate your GDS (Gross Domestic Service) and TDS (Total Debt Service) ratios using the financial information you provide.  

Using the calculated GDS, TDS ratios we figure out which lenders and mortgages you qualify for.

Upon determining what you qualify for, we shop for your best lending rate and the most appropriate product for your financial needs and future goals. We save you the hassle and effort of shopping around for a lender. 

Our mortgage professionals navigate the mortgage market for a living, shopping for the best mortgage and rate is second nature.

Because we deal in millions of dollars of mortgages, lenders provide us benefits that we pass unto you to get a competitive rate, better terms on your mortgage and more savings.

We prepare and send an email with a variety of suitable lenders and the rates that you qualify for. One of our mortgage professionals will contact you to discuss and advise upon a mortgage and lender for your financial needs.

Before submitting your pre-approval application to a chosen lender we will determine your future financial goals. Considering both your finances and future goals our mortgage professional will customize your mortgage with a variety of prepayment, repayment and borrowing options.

There are a variety of required documents to properly submit your pre-approval application to a lender. At this point we collect any outstanding information to proficiently compile and file your pre-approval application to a lender for approval.

We prepare and optimize your pre-approval application. We submit the completed application with all your information and documents to a lender and standby for a response from the lender.

You get pre-approved by the lender for your desired mortgage. This pre-approval confirms and determines what you can borrow. It is also essential for locking in a mortgage rate for 90 days, which is an essential feature for shopping for new home.

After getting you pre-approved for a mortgage we standby ready to process your mortgage. Once you've found a home, we will help you with getting your mortgage financing.