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Mortgage Preapproval Hamilton

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Mortgage Preapproval For Hamilton Residents

Are you planning to buy a home in Hamilton and you need to take a mortgage to finance the purchase? Well, have you ever considered a mortgage pre-approval? A mortgage pre-approval in Hamilton can help you secure the best rates from lenders when you are ready to take the mortgage.

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What Is A Mortgage Preapproval?

A mortgage preapproval is an assessment that looks at your financial details to determine the amount you can afford to spend on buying a home. A mortgage pre-approval is done by a mortgage provider. The provider will check your financial status concerning your income, credit score, debts, and down payment. The lender will also estimate how much you can afford to spend on purchasing a home and the mortgage rate that suits your financial status. With a mortgage pre-approval, you can have the best mortgage rates, and you might be shielded from fluctuations in the mortgage rates before purchasing your property.

Do I Need To Compare Rates Before Getting A Mortgage Preapproval?

Before getting a mortgage pre-approval, ensure you compare the rates of different providers, then choose the best rate.

Requirements for a mortgage pre-approval
After comparing different banks for the best rates, apply for a pre-approval at the bank with the best rates. The application process doesn’t take more than 20 minutes online. The provider will request for information about your income, debts, type of property you want to buy and the reason for buying it. The provider might also ask for the following documents:

  • Photo ID
  • Bank statements to verify your down payment
  • Recent pay lips or evidence of income
  • Proof of other assets such as an automobile
  • To get preapproved, search for the best rates in your locality, and then apply for pre-approval.


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Afton Jaskolski

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Tracy Wilhoite

I was renting an apartment for a long time and finally decided to take a big step - get a mortgage instead. Team at certified Mortgage Brokers laid out various options for me. The actual process went smooth and quick, happy with my new home.

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My wife and I decided to refinance our mortgage and started looking for a mortgage broker in Toronto. There were so many options, so you can imagine how overwhelmed we got! After talking to Leon we decided to proceed with Certified, didn't regret that decision once. They always gave useful recommendations, were attentive, and constantly in touch. And most importantly (for us) they helped us to save some money!!

Lucy Zimmerman

Vita was great. Helped my son with all the paperwork and got him very good interest rate. On the closing date called to follow up if everything went fine. Quite a pleasant experience. I would recommend this firm for anyone who is looking a mortgage broker.

Hamilton Mortgage Frequently Asked Questions

What is a Mortgage Term?

The loan that you make to buy a house or some other property is called a mortgage. The principal refers to the amount borrowed. Each mortgage payment pays off part of the principal plus the interest.

You have custody over the property. However, if you fail to pay the loan and interest according to the terms of the contract, the lender may repossess the property.

What is a Down Payment?

A down payment refers to the money you pay for real estate property. This money is paid upfront and the rest of the cost of your new home is covered by your mortgage. For properties that cost up to $500,000, the minimum down payment in Canada is 5% – however, do take note that your lender may sometimes require a higher down payment.

But what if the cost of the property is more than $500,000? If that is the case then the interest is 5% for the first $500,000 and then 10% for the remainder of the cost.

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