Get Pre-Approved For Your Mortgage

A mortgage pre-approval tells you exactly how much you can afford, locks in your rate, and shows sellers you’re a serious buyer. Our award-winning, top-producing brokers compare 30+ lenders to find your best rate — at no cost to you.

24 – 48 hr

Typical Turnaround

<1

Business Day Pre-Approval

30+

Lenders compared

$0

Cost to you

– THE PRE-APPROVAL PROCESS

How Pre-Approval Works

Getting pre-approved is straightforward. Here’s what to expect when you work with us:

01

Book a Call

Schedule a free consultation. We’ll discuss your goals, timeline, and answer your initial questions.

02

Submit Documents

Send us your income verification, ID, and down payment proof. We’ll tell you exactly what’s needed.

03

We Shop Lenders

We compare rates and terms across 30+ lenders to find your best options.

04

Get Your Pre-Approval

Receive your pre-approval letter — typically in less than one business day. You’re ready to start house hunting.

– WHY PRE-APPROVAL MATTERS

Shop With Confidence

A pre-approval does more than tell you what you can afford. It gives you a competitive edge in today’s market and protects you from rate increases.

✅ Know your budget: Search for homes in your actual price range

✅ Fast turnaround: Pre-approval in less than one business day

✅ Stronger offers: Sellers take pre-approved buyers more seriously

✅ Faster closing: Much of the paperwork is already done

✅ Avoid surprises: Identify and address any credit issues early

⭐⭐⭐⭐⭐

GOOGLE REVIEW

Julie and the team went above and beyond to help us secure financing before an extremely short possession date and we are grateful for their support. Great team and great service.

Trevor R.

Tight Deadline Purchase · Calgary

💡 Mortgage Tip

Pre-approval vs. pre-qualification — know the difference. A pre-qualification is a quick estimate based on what you tell us. A pre-approval involves verifying your income, credit, and down payment with actual documents. Pre-approval carries much more weight with sellers. We complete most pre-approvals in less than one business day.

– COMMON QUESTIONS

Pre-Approval FAQ

Everything you need to know about the mortgage pre-approval process in Alberta and BC.

What's the difference between pre-approval and pre-qualification?

A pre-qualification is a quick estimate based on information you provide verbally — it’s essentially an educated guess. A pre-approval involves verifying your income, credit, and down payment with actual documents. Pre-approval carries real weight with sellers and identifies any potential issues before you start shopping. We complete most pre-approvals in less than one business day.

How long does a pre-approval take?

Once we have your documents, we can typically get you pre-approved within 24-48 hours. The limiting factor is usually getting your documents together. We’ll send you a clear checklist and guide you through the process to make it as fast as possible.

How long does a mortgage pre-approval last?

Pre-approvals are typically completed in less than one business day. We compare rates from 30+ lenders to find you the best option for your situation.

Does a pre-approval guarantee I'll get the mortgage?

A pre-approval is a strong commitment from a lender based on your financial situation, but final approval depends on the specific property meeting lender requirements. The property must appraise at or above the purchase price and meet standard condition requirements. We’ll guide you through these steps.

Will applying for pre-approval hurt my credit score?

A mortgage inquiry will appear on your credit report, but multiple mortgage inquiries within a 14-45 day window (depending on the scoring model) count as a single inquiry. The impact is typically minimal and temporary — usually 5-10 points at most, and it recovers quickly.

What documents do I need for pre-approval?

For most salaried employees, you’ll need: government ID, recent pay stubs, letter of employment, T4s from the last two years, Notice of Assessment from CRA, and bank statements showing your down payment. Self-employed borrowers need additional documentation — we’ll provide a personalized checklist based on your situation.

Can I get pre-approved with bad credit?

Yes, we work with lenders across the credit spectrum. While prime lenders typically want 620+ credit scores, we have access to alternative lenders and private financing options for those rebuilding credit. The rate may be higher, but we can often find a solution and create a plan to refinance to better rates as your credit improves.

Should I get pre-approved before talking to a realtor?

Absolutely. Knowing your approved amount helps you and your realtor focus on homes in your price range. In competitive markets like Calgary, a pre-approval letter makes your offer stronger. Many realtors prefer working with pre-approved buyers because it means deals are more likely to close.

Pre-Approval Blogs

Can You Get Pre-Approved with Bad Credit?

Pre-Approval

Can You Get Pre-Approved with Bad Credit?If your credit score isn't perfect, you might think homeownership is out of reach. It's not. We work with lenders across the credit spectrum, and there's almost always a path forward — even if it's not the traditional route....

How Long Does Pre-Approval Last?

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How Long Does Pre-Approval Last?Your pre-approval isn't just a piece of paper — it's a rate guarantee. But that protection doesn't last forever. Here's what you need to know about pre-approval timelines and how to maximize your rate hold. The Standard Rate HoldMost...

What Documents Do You Need for Mortgage Pre-Approval?

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What Documents Do You Need for Mortgage Pre-Approval?The document collection stage is where many pre-approvals stall. Having everything ready upfront can cut your approval time from weeks to days. Here's your complete checklist based on your employment type. For...

Pre-Approval vs Pre-Qualification: What’s the Difference?

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Pre-Approval vs Pre-Qualification What's the Difference?These two terms are often used interchangeably, but they mean very different things when you're buying a home. Understanding the difference can save you time, protect your heart, and make your offer stronger in...

Why Get Pre-Approved Before House Hunting

Pre-Approval

Why Get Pre-approved Before House HuntingA mortgage pre-approval tells you exactly how much you can afford, locks in your rate, and shows sellers you're a serious buyer. Our award-winning, top-producing brokers compare 30+ lenders to find your best rate — at no cost...

View All Mortgage Blogs

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