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.
My partner and I were first time homebuyers, and frankly, were very intimidated and relatively uneducated in the world of mortgages and home buying. Tonya Origlieri was our mortgage agent, and was not only a pleasure to work with, but made our experience as stress free as possible. She was very knowledgeable and went above and beyond to make sure we had the best lender fit for our needs, and helped guide us through the entire process. She played a pivotal role in our first home buying journey, and we are grateful for the quality of service that was provided to us. Thank you!
Read moreGraeme Woodall
5 days ago
Awesome experience, answered all questions & made the mortgage process smooth! Used a second time, and same thing! Responsive & easy to deal with.
Read moreBayley 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.
Read moreAngela Lehmann
29 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!
Read moreJo Reason
1 month ago
Meghan V
1 month 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.
Read moreMark 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.
