Obtaining a mortgage pre-approval is a crucial step in the home buying process. A pre-approval allows you to know your borrowing capacity and show sellers that you are a serious buyer that is ready to act quickly. This step is especially important in a competitive real estate market where sellers are looking for reliable and qualified buyers.

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One of the main benefits of pre-approvals is the ability to reserve your interest rate for up to 120 days. This protection protects you from interest rate fluctuations. If rates increase during this period, you keep the rate initially offered, which can represent substantial savings in the long term. In addition, if rates drop, you will have the option to benefit from the lowest rate available when you close your loan. This double protection gives you peace of mind during your property search.

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With a pre-approval in hand, you can shop with confidence. You know exactly how much you can borrow, helping you target properties within your budget and avoid disappointment. Plus, this pre-approval speeds up the buying process when you find your dream home. You can make an offer knowing that your financing is virtually assured, subject to the usual final checks.

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As a mortgage broker at Alliance Hypothécaire, I work with a wide range of lenders to offer you competitive and personalized options and I am here to guide you through every step of this process. My role is to help you find the best solution for your financial situation and your goals.

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Using a mortgage broker has many advantages. In addition to helping you secure a pre-authorization I will also be available to answer all your questions and concerns throughout your purchasing journey. My goal is to make this experience as smooth and enjoyable as possible, providing you with consistent guidance and support.

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Whether you are a first-time buyer or an experienced investor, obtaining pre-approval is an essential step in bringing your real estate project to life..

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Contact me today to begin this process and make your project a reality.