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The Biggest Mistake You Can Make Is ...
Not Getting a Real Pre-Approval Before You Start Shopping!
The biggest mistake people make is not getting a real pre-approval as soon as they can.
A pre-approval application - even before you start looking at houses - makes sure you know what you will qualify for in a mortgage, what the payments and costs will be, guarantees you an interest rate for 90-120 days and ensures that there are no surprises in your credit history.
We strongly recommend this be done by a mortgage agent or broker, since not all branches actually look at your credit bureau - and if something comes up that no one knew about - it could kill your deal!
Unfortunately, several times a year, we either hear about or get a call from a realtor asking if we can save a deal. The story is almost always the same - the purchasers thought they had thier financing because they had a pre-approval done at their branch but when the time came, there was something on the credit bureau that prevented the bank from moving forward.
It's always a sad event ... it is often embarrassing to the purchasers ... everyone has invested time and energy in finding a suitable house and negotiating a deal ... people are now emotionally committed ... and there is no reason for it to happen.
Get a pre-approval - it will help you understand the process - you will establish a relationship
- and you will know exactly where you stand.
The biggest mistake people make is not getting a real pre-approval as soon as they can.
A pre-approval application - even before you start looking at houses - makes sure you know what you will qualify for in a mortgage, what the payments and costs will be, guarantees you an interest rate for 90-120 days and ensures that there are no surprises in your credit history.
We strongly recommend this be done by a mortgage agent or broker, since not all branches actually look at your credit bureau - and if something comes up that no one knew about - it could kill your deal!
Unfortunately, several times a year, we either hear about or get a call from a realtor asking if we can save a deal. The story is almost always the same - the purchasers thought they had thier financing because they had a pre-approval done at their branch but when the time came, there was something on the credit bureau that prevented the bank from moving forward.
It's always a sad event ... it is often embarrassing to the purchasers ... everyone has invested time and energy in finding a suitable house and negotiating a deal ... people are now emotionally committed ... and there is no reason for it to happen.
Get a pre-approval - it will help you understand the process - you will establish a relationship
- and you will know exactly where you stand.
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Tony Antaya
AMP
Mortgage Agent
905.689.3213
tony.antaya@migroup.ca
138 Brian Boulevard, Waterdown
AMP
Mortgage Agent
905.689.3213
tony.antaya@migroup.ca
138 Brian Boulevard, Waterdown
Jim Cook
MBA, CMA, AMP
Mortgage Broker
519.396.6800
1-877-587-6800
james.cook@migroup.ca
819 Queen St., Kincardine
MBA, CMA, AMP
Mortgage Broker
519.396.6800
1-877-587-6800
james.cook@migroup.ca
819 Queen St., Kincardine
Registered trademark of Mortgage Intelligence Inc. 2009, Mortgage Intelligence Central Office 5770 Hurontario Street, Suite 600, Mississauga, ON L5R 3G5 FSCO 10428
Jim Cook Broker Lic. M08001302 Tony Antaya Agent Lic. M08001243
Jim Cook Broker Lic. M08001302 Tony Antaya Agent Lic. M08001243
The MyMortgagePlace team has locations in Kincardine and Waterdown serving all of Ontario.
