If you’re thinking about buying a home in British Columbia (BC), it’s easy to feel like you need to jump straight into the housing market. Listings generally move quickly, open houses feel competitive, and headlines often suggest that waiting means missing out. Because of that pressure, many buyers start by browsing listings or attending showings before fully understanding their financing. Buying a home works best when financing and real estate strategy are aligned from the s

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