A proper pre-approval allows you to understand your true borrowing capacity, identify potential issues early, and move forward with clarity instead of guesswork. It gives you time to address credit concerns, confirm income, and ensure your down payment is structured correctly before  you’re emotionally invested in a specific property. When I pre-approve a client, I complete a full underwriting review up front. Income, credit, debts, and down payment are assessed in detail so

If you’ve ever applied for a mortgage and thought, “Why does my mortgage broker need all  of this?” —you’re not alone. Pay stubs, tax returns, bank statements, down payment proof, letters of employment… sometimes it can feel like we’re asking for your life story and  your first-born child just to get a mortgage pre-approval. But here’s the truth, mortgage brokers aren’t being nosy. We’re being regulated, thorough, and protective—of you . In this post, I’ll explain: why mortga

Are you dreaming of owning your first home in Canada? If so, you’re not alone! Many Canadians aspire to buy their own homes, but saving for a down payment can be tough. Fortunately, the Canadian government has introduced a game-changing tool to help you save: the First Home Savings Account (FHSA). In this blog post, we’ll explore everything you need to know about the FHSA, including how it works, who qualifies, and how to set it up. Let’s jump right in! Use the First Home Sav