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 just renewed our mortgage with Samantha. She was excellent and made the process very easy. She responded to my questions often within an hour of me emailing and got us a great deal. We felt very taken care of.
Read more
Stacey L
11 days ago
I had the pleasure of using Valko Fianancial for three homes now. I cannot reiterate how smooth and easy the whole process was from start to finish. I worked with Matt S this time around. And he was very calm, easy to chat with and got all the stuff in place making it a super stress free closing. I highly recommend them as they tend to find the best rates at the time of purchase and really talk to you about it. Answer all your questions respectively. 5 ⭐️!
Read more
Natalie Nagy
13 days ago
We absolutely love our new home and we couldn’t have done it without Cindy White! She went over and beyond to make sure we felt comfortable with our purchase. Cindy was transparent and awesome to work with. This is our second time working with Cindy, highly recommended.
Read more
Eston Simon
21 days ago
Nadet Muku
22 days ago
Tracy and her team are very professional and knowledgeable in their field. She explained the process well and was easily accessible for our questions. thank you so much Tracy and team.
Read more
Marilyn Morgan
26 days ago
They were really helpful and explained a lot even when issues arose
Read more
Eric Pintar (Pinn_e)
1 month 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.