Know what’s possible before you start looking
Mortgage Pre-Approval
Mortgage pre-approval is the first step in understanding what you may qualify for before you start seriously shopping for a home. It gives you a clearer picture of your budget, your monthly payments, what lenders are looking for, and what price range actually feels comfortable for your life.
MARY GETS YOU HOME
MARY GETS YOU HOME
MARY GETS YOU HOME
MARY GETS YOU HOME
MARY GETS YOU HOME
The Bigger Picture
Mortgage advice built around you
When we begin, I’ll walk you through exactly what documents and information are needed. From there, I review your full financial picture, income, credit, down payment, debts, monthly comfort level, and future goals. The goal is to understand where you stand so we can build the right strategy around it.
Once everything is reviewed, I’ll walk you through what you may qualify for, what your payments could look like, and what steps could help strengthen your application before you buy. You’ll have a clear understanding of your buying power and what to do next.
Key Benefits
What I handle For You
Review your full financial picture
I look at income, debts, down payment, lifestyle, and long-term comfort to understand your full situation.
Explain Your Numbers
You’ll understand what you may qualify for, what your monthly payments could look like, and what costs to plan for beyond the purchase price.
Help You Avoid Surprises
We identify anything lenders may question early so you have time to prepare before you’re under pressure or committed to a purchase.
Compare Lender Options For You
Instead of relying on a single bank, I explore options across multiple lenders to find a solution that fits your situation.
Help You Avoid Surprises
We identify anything lenders may question early so you have time to prepare before you’re under pressure or committed to a purchase.
Mary Gets You Home
Frequently Asked Questions
Does getting pre-approved affect my credit score?
A credit check may have a small, temporary impact on your credit score, but it’s usually minimal. The benefit is that it gives us a much clearer and more accurate picture of what lenders may offer, so you can shop with confidence instead of guessing.
How long does pre-approval take?
It depends on how quickly your documents are provided and how straightforward your file is. In many cases, we can get a clear picture fairly quickly once I have your income documents, down payment details, debt information, and credit history.
Does pre-approval guarantee I’ll get a mortgage?
No, a pre-approval is not a final mortgage approval. Final approval happens once you have a signed purchase agreement and the lender reviews both your updated financial details and the property itself. A strong pre-approval does, however, give you a clear understanding of your position and reduces surprises later.
How long is my pre-approval valid?
Most pre-approvals are valid for a set period, often around 90–120 days depending on the lender. If your timeline changes, we can update your file so your plan stays accurate.
Move Forward With Confidence
Ready to Understand Your Buying Power?
Let’s build your plan before you start shopping.