Many wonder why we recommend starting the pre-approval process so early. Here’s why it can be a game-changer:

1️⃣ It’s Free!
Pre-approvals with a mortgage broker cost nothing, giving you invaluable insights into your financial readiness without any expense.

2️⃣ Ready Sooner Than You Thought?
Often, clients aiming to buy in a year or two find they qualify now after a pre-approval. With this knowledge, they’re able to make informed decisions with confidence, even accelerating their timeline if it suits them.

3️⃣ Plans Change
Life happens—family grows, dream homes pop up, or financial situations improve unexpectedly. A pre-approval done well in advance means you’re prepared, avoiding rushed deadlines if your timeline shifts.

4️⃣ Time to Improve
Starting early lets us identify any steps to strengthen your financial profile—whether it’s boosting your credit, saving a bit more, or opening a First-Time Buyer’s Savings account. We guide you on exactly how to be “purchase-ready” when the time is right.

Don’t be caught off guard when you’re ready to buy. Pre-approval is simple, free, and could save you both time and money.

Questions? Ready to start your pre-approval? Reach out by email anytime at Zachary@BayTeamMB.com — I’m here to help!

Today, I’m sharing a common yet hopeful client story. Life can be unpredictable, and sometimes, debt builds up—not from unwise decisions, but from unforeseen events like health crises. This was the case for a couple who faced simultaneous health challenges, which led to mounting debt over two years as they focused on recovery.

Once they were back at work and regaining stability, their credit card debt had become unmanageable. They were at risk of bankruptcy and potentially losing their home.
That’s when we stepped in. We: ✅ Consolidated their high-interest debts into a single mortgage payment ✅ Amortized the mortgage over 30 years to give them breathing room ✅ Enabled them to regain financial control, so they could now save, breathe, and move forward

Refinancing a mortgage to consolidate high-interest debt is often a game-changer. While it may not be the right fit for everyone, consulting with a mortgage broker is worth it 100% of the time —it could lead to life-changing savings. Often, people consider second mortgages when refinancing into one single, lower-cost mortgage is a better option.

Before debt takes a toll on your peace of mind, reach out to an experienced mortgage professional. There are solutions available, and the impact on your financial well-being can be profound.

If you have mortgage questions or want to explore debt consolidation, feel free to reach out at Zachary@BayTeamMB.com. Don’t wait—this conversation could save you thousands of dollars.