Mortgages, Pre-Approvals & Numbers—Simplified.

Understand your budget before you fall in love with a home.

Financing First, Shopping Second

Before you start scrolling through listings, you need clarity on your financing. I work closely with trusted mortgage professionals who can help you get pre-approved, compare products and secure a rate—so you know exactly what you can afford.

A pre-approval isn't just a piece of paper; it's your "shopping license" that tells sellers you're serious and qualified.

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Why You Need a Pre-Approval

A mortgage pre-approval is a preliminary assessment from a lender that estimates how much you can borrow. It gives you:

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Rate Hold

Lock in an interest rate for 90-120 days, protecting you from increases while you shop.

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Budget Clarity

Know your maximum purchase price and monthly payment comfort zone.

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Offer Strength

Sellers prefer buyers with financing sorted. It can be the tie-breaker in multiple offers.

Mortgage Dos & Don'ts

Protect your credit score and approval status during the buying process.

Dos

  • Pay all bills on time, every time.
  • Keep your credit card balances low (below 30% limit).
  • Save paper trails for any large deposits.
  • Stay at your current job until closing is complete.
  • Review your credit report for errors early on.

Don'ts

  • Don't apply for new credit cards or loans.
  • Don't co-sign a loan for anyone else.
  • Don't make large cash deposits without documentation.
  • Don't close old credit accounts (it shortens credit history).
  • Don't spend your closing cost savings.

The 5 Factors Lenders Check

Understanding what banks look for can help you prepare your application.

  • Income: Stability and consistency of employment.
  • Credit Score: Your history of repaying debts.
  • Debts: Existing loans, car payments, and credit cards.
  • Down Payment: The amount you're putting in upfront.
  • Property: The value and condition of the home you're buying.
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How I Help

I'm not a mortgage broker, but I work with the best in the business. I'll introduce you to vetted specialists, coordinate paperwork timelines with your home search, and help you align your financing conditions with your offer strategy.

Connect with a Mortgage Partner

This is for information only, not financial advice. Always consult with a qualified mortgage professional.