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.

I recently met with Tracy Valko to review my house mortgage as I was about to enter retirement. I left that meeting feeling very at ease and satisfied that my concerns and needs were not only well take care of with a new plan of attack, but also in that emotionally, Tracy left me feeling acknowledged and appreciated for how my income stream was about to change in ways I had never experienced. I would recommend Tracy and her team for any mortgage planning and in fact, any financial planning period.

Craig Dubecki

15 days ago

Switching brokers was the best decision I could have made. Tracy and her team are truly wonderful. They patiently answered all of my questions—and there were many—while guiding me through every step of the process to ensure I was fully informed. A special shout-out to Samantha for her incredible support! I felt valued throughout the entire experience and know I am in excellent hands with Valko.

Amanda G

16 days ago

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.

Chanel Savory

1 month ago

Jim Hergott

1 month ago

C B

1 month ago

Amazing service and Knowledge. They were able to find what best suited my needs with constant communication.

Mark Hainer

2 years 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.

Book A Free Consultation Start Your Pre-Approval