Mortgage Pre-Approval

Obtain the Best Rates & Lowest Closing Costs

BEFORE you are ready to purchase a home, it makes sense to start a plan. When you are ready you can then negotiate from the strongest position possible.

In a strong real estate market, sellers can be more selective in the final buyer they choose to negotiate with. With that said; there are certain things you can do to make certain that your offer is the one Seller goes with.

The vast majority of Purchaser's today go about the process entirely wrong, putting themselves at an overwhelming disadvantage!

Let's look at this from the Sellers perspective for a moment.
If you were the Seller and had multiple offers on your property, all things being equal; would you accept the one with Certificate of Financing Approval or the one that was still conditional on Financing?

The answer is obvious. Why then, do so many buyers wait to start the financing until after they have found the home?

What I have found is that those buyers are usually very good, qualified buyers and are not worried about getting approved. Even though they usually are correct and will ultimately be Approved, the Seller in most cases has no guarantees.

On the other hand; in an alarming number of cases some Buyers cant afford the home they are looking at and wanting to buy.

Lastly, from a cost savings perspective...

As a prospective purchaser, it makes all the more sense to start the financing early on so you can get a firm handle on your interest rate (get it gauranteed for 90 days) and estimate of closing costs.

If you do this before finding a home, you are not under any time constraints and are less likely to over pay like a buyer who has found a home and is under strict time constraints and just moves forward in a hurry t make sure they get the home. That is an "emotional decision" in a business transaction and we do not recommend this. We can save you time, hassle and money!

Should you decide that you wish to take advantage of Pre-Approval, simply complete the form below. We will forward your information to one of our preferred mortgage professionals who can assist you in locating the absolute best mortgage rate and lowest closing costs possible.

By the way; this may seem harsh but we do not tour homes with Buyers that have not been qualified first. Thats only fair to the Seller and to our staff. You need to know what you can afford and we will coach you along the way on how not to be house poor! (Dont spend it all!)

Borrower Information:

Borrower First Name:
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Home Phone #:
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Present Address:
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E-mail Address
Years at Present Address:


Previous Address:
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Co-Borrower Information:

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E-mail Address
Years at Present Address:


If same as borrowers address
Previous Address:
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State/Province:
Zip Code/Postal Code:

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Real Estate Associates - Certified Condominium Specialist's - CIR Realty - Calgary, Bearspaw & Cochrane areas. Alberta, Canada

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