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 the pleasure of working with Samantha Ratz from Dominion lenders. She was truly amazing from start to finish. Samantha helped us get the best rate possible and kept us informed as the market changed. If we needed anything from her she was always just a phone call away anytime of the day. We would highly recommend the team of Tracey Valko at dominion lenders they will go that extra mile to get the job done and get your and family in your forever home.
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Chanel Savory
16 days ago
Jim Hergott
19 days ago
C B
20 days ago
Amazing service and Knowledge. They were able to find what best suited my needs with constant communication.
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Mark Hainer
2 years ago
My wife and I have always had a good e experience with Tracy and her team ... our son has always dealt with Tracy and have the same experience. They are so helpful, no matter the situation .... everyone should contact them and see what advice or solutions they have .... very compassionate ... can't say enough about them. Thanks for all your help over the years and all the best of next year.
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Derek Haladay
22 days ago
My partner and I worked with Cindy, she was fabulous! She walked us through the entire process and was there to answer our questions whenever we had any. I would highly recommend, especially as a first time home buyer! Definitely the team you want on your side for this. Thanks again for everything Cindy!
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Hannah Thomas
22 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.