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Tips for Homebuyers

Let a Mortgage Professional help you get pre-approved for a
 worry-free purchase!  The service is FREE!
 
Buying a home can be exciting - and frightening all at the same time. There’s so much to know that home buyers are often overwhelmed by the experience. 
 
Seeking the help of a Mortgage Broker takes the mystery - and worry out of purchasing your first home. Mortgage Brokers are experts in working with home buyers, and can provide you with answers to most commonly asked questions:
 
The first and most important decision that a home buyer can make is to get pre-approved to purchase. 
 
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.  
 
The Mortgage Professionals at VERICO One-Link Mortgage & Financial, Manitoba’s largest Mortgage Brokerage firm,  make mortgage shopping simple: one application, one credit bureau and you have access to hundred’s of mortgage products through Canada’s top banks, credit unions, and life and trust companies. The VERICO One-Link Mortgage Brokers also have access to discounted mortgage rates and hundreds of innovative mortgage products. 
 
Best of all, the service is FREE (O.A.C.)