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 have been working with Cindy at Valko Financial for several years and just purchased our forever home using her guidance and advice. We are so happy with our services we have sent our son to her too. She is kind, patient and gets the best rates for what we need. I highly recommend Valko Financial and will continue to be a customer for my mortgage needs!
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Melissa L
2 days ago
Tracy's team really made the process of finding the right mortgage for me smooth and easy. I highly recommend them!
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ray whit
5 days ago
Tracy and her team were so helpful, kind and supportive! As the proud owners of a small Canadian manufacturing business, we honestly didn’t think we would qualify for a mortgage and had just expected to rent. But when we were introduced to Tracy, a whole new world of possibilities opened up. Tracy and her team helped us purchase both a new home, and space for our business! It’s game changing. Work with them. You won’t be disappointed.
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Rob Bourbeau
7 days ago
Tracy and her team are exceptional! They've got passion, integrity, and are determined to make things work. As owners of a proud Canadian manufacturing business, they worked magic to help us purchase both our new home and business studio! We could not have done it without them, and we are so grateful they're on our team! -Rob+Sarah
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do and dare undie co.
7 days ago
Very helpful through the entire purchase process. Quick to answer any and every question. 100% recommend
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James Copeland
11 days ago
Tracy and her team provide exceptional insight and education to the community on mortgage strategies, always going the extra mile to help people navigate the market with confidence. I have loved her webinars—they offer so many practical tools and easy-to-understand ways to help anyone grasp the complexities of mortgage financing. Tracy’s passion for empowering others truly shines through in every event and interaction, and her team makes the process simple, supportive, and stress-free. Highly recommended for anyone seeking knowledgeable guidance and real education in the mortgage world!
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Heather Bridges
11 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.