Buying a home in Canada is an exciting step, but starting your search without a clear budget can lead to major disappointment.
Many buyers search for homes before knowing what a lender will actually approve.
Getting a mortgage pre-approval sets a clear boundary for your house hunt and protects you from market surprises. First, it gives you a realistic price range based on your actual income and debts. Second, it holds your rate options for up to one hundred and twenty days while you shop. Third, it shows sellers that you are a serious buyer when you make an offer.
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