Mortgage Preapproval
Start Smart. Buy with Confidence.
Getting pre-approved is more than just a first step—it’s a strategic move that sets you up for success on your homeownership journey. It gives you a clear picture of your budget, signals to sellers that you're serious, and makes the entire buying process smoother from start to finish.
Whether you’re a first-time buyer, planning a move in the next few months, or just want to know what you can comfortably afford, a pre-approval puts you in the driver’s seat—ready to shop with confidence and negotiate with power.
What We Review During Your Pre-Approval:
- Your income and employment details
- Your credit score and history
- Your down payment and available savings
- Your debt-to-income ratio
Does a pre-approval hurt my credit?
A pre-approval has little effect on your credit and is a smart step toward homeownership.
How long is a pre-approval valid for?
Most mortgage pre-approvals are valid for up to 120 days (about 4 months), depending on the lender. This gives you time to shop for a home while locking in a rate and understanding your budget.
Even if you’re not 100% sure you’ll be buying within that timeframe, it’s still a smart move to get pre-approved early. It prepares you for when the right opportunity comes along and gives you a clear financial picture so you can make confident decisions—whether that’s next month or a little further down the road.
Can I get pre-approved if I’m self-employed or new to Canada?
Yes! We work with many lenders who offer flexible options for unique situations. To learn more about our new to canada services, click here.
We had such a great experience working with Cindy throughout the home buying process. She took the time to explain everything clearly, answered all of our questions, and made what could have been a stressful process feel easy and manageable. Communication was always prompt and professional, and we always felt informed every step of the way. We really appreciated all of Cindy’s support and guidance and would highly recommend her to anyone looking for a knowledgeable and reliable mortgage broker!
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Stephanie Black
5 days ago
We had the pleasure of working with Tonya, and we cannot say enough great things about her! Definitely recommend this Brokerage!
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Kristina A
11 days ago
Cristina Nicoli
6 years ago
cameron Bell
14 days ago
Moma K
15 days ago
Both Tracy and Samantha were professional and friendly to deal with. Tracy is very knowledgeable on all things related to the political climate and rates and offered assurances to me with respect to the variable rate I chose. There were a couple of hurdles along the way but Samantha was quick to respond and satisfy my concerns. I would highly recommend Valko Financial.
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Kimberley Murray
21 days ago
Ready to take the first step?
Let’s get you pre-approved today. We’ll shop the best rates, simplify the paperwork, and set you up for success.