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!