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Are You Prepared for a Bidding War?

Here's a way to increase your success in getting the home of your dreams!

In the past couple of years the Winnipeg housing marketing has taken on a new twist.  Gone are the days when you could barter on a purchase price of a new home.  In today's market purchasers are faced with multiple offers in a "bidding war", bidding up the price of the home beyond it's asking price.

There are ways to increase your success. 

If you are placing a bid subject to financing, get PRE-APPROVED with a VERICO One Link Mortgage Professional before you write an offer. 

A mortgage pre-approval is different than a simple pre-qualification. Sometimes even real estate agents are confused by the terms, so it’s no wonder that home buyers are too. Although related, the two terms each signify a different level of approval from a lender.  
 
You can be “pre-qualified” by a lender, an agent or by yourself. The term simply means that someone has taken a general look at your income and expenses and plugged them into a debt-to-income ratio formula. Loan pre-qualification does not include an analysis of your credit report or an in-depth look at your potential to buy a home. It does not require you to provide proof of income, proof of down payment or closing costs; or provide you with any commitment for financing. Bottom line: Pre-qualifying yourself before you start looking for a home will give you a general idea of the price range you can afford. It will not nail-down an interest rate for you, and that factor and others will affect the monthly payments a lender will allow you to carry. 
 
A Mortgage Broker will take the steps necessary to obtain a mortgage pre-approval that will allow you to shop for your new home with confidence.
 
 When you are pre-approved, it means a lender has looked closely at both your credit report and your income and has provided a written confirmation of your mortgage pre-approval, an interest rate hold (up to 120 days), subject to CMHC approval or a satisfactory appraisal of the property. Bottom line: You can go shopping for a home with confidence about your buying power.  
Once you are pre-approved with a VERICO One Link Mortgage Professional, we'll supply you wish a "Pre-Approval" certificate.  This means that the vendor of the property will be more likely to accept a financing condition knowing that you have already passed scrutiny regarding your credit and employment.  The only condition on your financing will now be subject to satisfactory appraiser or CMHC financing, if applicable.
Another advantage of getting Pre-approved with a VERICO Mortgage Professional is that you will know exactly how much you can bid for the home (your maximum purchase price).  This will give you the confidence to submit an offer in a highly competitive environment.