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.

Awesome experience, answered all questions & made the mortgage process smooth! Used a second time, and same thing! Responsive & easy to deal with.

Bayley Doerr

2 years ago

Tonya was amazing. I honestly wasn’t sure that there was a lot of value in using a broker, as the rate did not seem better than I would have got if I walked into my bank. It turns out that I was very wrong. Tonya supported me through some very tricky issues with the application and I was very thankful that she was there to support me. My only concern is that my payments and frequency of payment turned out to be incorrect, despite bringing this up on a number of occasions. This may have been the fault of the lender, but it was frustrating, none-the-less. Overall, I was thrilled with how Tonya went to bat for me and was able to convince the lender to waive the requirement for an appraisal, which saved me money and hassle. I highly recommend Tonya and Valko Financial.

Angela Lehmann

9 days ago

Cindy did a great job explaining the home buying process to a first time home buyer and helped us navigate financial approval and a quick closing. We are so thankful she was referred to us!

Jo Reason

20 days ago

Meghan V

20 days ago

Amazing service and Knowledge. They were able to find what best suited our needs with constant communication. Couldn't asked for more. I would recommend Cindy White and the Valko team to anyone.

Mark Hainer

2 years ago

Very happy that we chose them for our mortgage. Made the whole experience easy and as stress-free as possible.

Meagan Rowe

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.

Book A Free Consultation Start Your Pre-Approval