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Mortgage With Nicki

Online Mortgage Pre-Approval &Application

Wondering how to get pre-approved on your mortgage? My online application makes it easy to discover what you are pre-approved for and to get the mortgage process started. Click the link below to get started in our Secure & Safe Mortgage Portal.

Red Deer Mortgage Broker Nicki Pike texting on her phone while sitting on a black couch

What is Mortgage Pre-Approval?

A mortgage pre approval, also sometimes called prequalification, is the process for when you’re deciding to being shopping for a home and want to check how much you qualify for. 

The pre-approval process helps determine what you actually qualify for, the estimated monthly payments, and to lock in an interest rate. The interest rate can be locked in for 60 to 130 days in Canada, depending on the lender you choose.

During this process, lenders and your mortgage broker look at your finances to find out the maximum amount they are able to lend you and at what interest rate. we will ask for your personal information, various documents and normally run a credit check.

This process does not guarantee your approval for a mortgage, but lets you know exactly what to expect, which allows you to shop for your home and to make offers with certainty. 

You can learn more on the mortgage pre-approval process on the Government of Canada Website. 

 

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