Pre-Approval

Securing a Pre-Approval

Are you and your family wanting to buy a new home but aren’t quite sure if you would qualify to do so? Let the Premiere team help you!

In the pre-approval process, our team will sit down with you and go over your budget and your credit history while we educate you on all of the factors that lenders are looking at when reviewing your application. Additionally, our team will review the costs that come with closing a home, such as legal fees, down-payment amount, cost of transferring land, appraisal fees and any other fees that could potentially affect you when purchasing a home.

Working with one of our qualified professionals, you will be better equipped to begin searching for that dream home. Once you’re approved, you’ll also be eligible to get an interest rate for a time period of up to four months! The rate that you secure will give you protection over any rash interest rate increase. You will also receive the lowest mortgage rate right until your house and mortgage closes if mortgage rates were to decrease during your hold period.

Another major benefit for you is that it’s the same process whether you’re working with a Halifax mortgage broker or a St. John’s mortgage broker – our service is free because it is the lender who pays us! Before you make the commitment to buying a home, we highly recommend that you take the time to search and explore our website to help educate yourself on some of the things you need to know. We offer informational articles such as “10 Steps to Buying a Home”, “Closing Costs That You Need To Know”, and “Can You Afford To Buy A Home?” to help you become as prepared as you possibly can before, during and after the process!

What's Next?

Buying a home is one of the biggest investments of your life. When financing a purchase you need an advisor that you can trust. We can help you secure the house where you will build your future. First, contact us to be pre-approved, and to discuss traditional and alternative financing options.

Learn Before You Leap

Owning your own home is an exciting proposition, but it’s important to understand what is involved before you know whether home ownership is for you.Learn More

To Rent Or Buy

Ultimately, it is a personal choice; however, it helps to look at the pros and cons of buying to determine whether home ownership is right for you.Learn More

Can You Afford To Buy A Home

The first thing any prospective home buyer needs to do is find out whether they can afford to buy the home they want.  Premiere Mortgage Agents can help with this important step.Learn More

Closing Costs That You Need To Know

Having a firm understanding of these potential costs is incredibly important and often overlooked.Learn More

10 Reasons To Use A Mortgage Broker

Working with a direct lender like a bank might feel more “conventional”, but the reality is that an independent third party can offer impartial advice. Plus, brokers have access to a much wider array of products.Learn More

10 Steps To Buying A Home

Buying your first home is exciting; nevertheless, if you are not familiar with the process, it can also be overwhelming. Our experts can walk you through your journey to owning your own home.Learn More