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Pre-approvals Are Powerful – Save Time, Money, And Heartache

Pre-approvals are Powerful – Save Time, Money, and Heartache

Home buying season is here, and most people will dive right in with a loose budget. A loose budget can be dangerous if your heart gets set on a home that is out of reach financially. The first thing that any potential buyer should do is get a mortgage pre-approval. Once approved, buyers can shop within a clear budget and focus the search on properties within a specific price range. This not only saves time and money but also a little heartache, and who couldn’t use more money and time and less heartache!

Know Your Budget

Real estate agents love hearing the words “pre-approved”. They are the experts when it comes to finding the perfect home for their clients. When consulting with a potential buyer they will want to know the budget, the number of bedrooms, property type, and the desired neighbourhood to help narrow the search. The budget should be the number one guiding principle of house hunting. Pre-approval will reveal the price range that buyers should be searching within.

Be Ready to Jump

With the housing market so hot, and the mortgage application process exhaustive, it’s important to be ready to jump on the perfect home when you find it. Having the necessary documents ready, coupled with pre-approval will speed up the journey to purchase. Don’t get delayed with finding financing or having to submit an offer subject to financing.

Questions about a Pre-approval? We Have Answers!

When working with Centum Home Lenders to get pre-approved, ask as many questions as possible! There can be a lot of additional costs that come up when purchasing a home, including appraisals, closing fees, down payments and monthly payments. Having a full picture is always key to avoid any unexpected surprises.

Faster Financing

Get a pre-approval to make the process of purchasing a home go smoothly.  Financing is much quicker if a lender has pre-approved the client, which is especially important if there’s a tight deadline. A little pre-planning will help alleviate some stress, and in the end, allows you to better understand what is financially realistic.

If you have any questions about mortgage pre-approval or the home buying experience in general, don’t hesitate to contact us. Our job is to help you get into a house that suits your needs, your financial picture, and of course one you’ll be proud to call home.

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