Welcome to the Mortgage section!

Applying for a mortgage can be time consuming and lengthy without the proper tools and understanding. These tools and resources will help educate you on the mortgage process and simplify the math in determining how much you can afford.

Financing Your Purchase

The Top 5 Reasons to Be Pre-Approved

1. Determine your "Buying-Power" in Today’s Credit Market

2. A Detailed Pre-Approval Letter from your lender = BEST chance to get the property at the Lowest Price!

3. "Lock-in" Your Best Interest Rate and Terms

4. A Much Smoother Sale

5. Less risk of Losing Your Deposit


Frequently Ask Questions

Q. What is the Differnce between Pre-Approval vs. Pre-Qualification?

A. A Pre-qualification is based on a telephone conversation with no actual verification of the buyer's credit worthiness. A Pre-Qualification has far less impact than a Pre-Approval.

Pre-Approval indicates that the lender has actually verified a borrower’s credit information. This is the "gold standard" which positions a buyer's offer to be far stronger so that the buyer has the best chance to get the right property at the right price.

Q. What is the cost of Obtaining a "Pre-Approval" from a lender?

A. There should be no upfront costs.

A Word to the Wise Buyer: The Sub-Prime problem in the credit / mortgage markets has resulted in tighter guidelines and fewer choices for most borrowers. Start your Pre-Approval process BEFORE you begin your search for a property.

Q. Can you provide me with a Pre-Approval letter?

A. Yes! Please fill-in the request form here.

Note: Your situation is unique and, therefore, you need to seek the counsel of tax and legal experts prior to taking any action.


Mortgage Calculators

This easy to use mortgage calculator will help you better understand what your monthly payments will be. Quick and easy, this tool takes care of the complicated calculations, while at the same time, giving you peace of mind on your decision to purchase a home.

Try it now!