Pre-Approval | Ralph Prospero

By: Ralph Prospero  09-12-2011

As an experienced mortgage agents I can help you get a home loan pre-approval, and secure the right amount to ensure you have as much buying power as your budget can afford.

Pre-approval means you can go house-hunting with a home loan that’s already approved up to an agreed amount. This gives you the confidence and flexibility to negotiate a sale knowing that the financing is there to get you through the door.

Why Should I Obtain a Pre-Approval?

You should obtain a pre-approval if you plan on buying in the near future in order to secure an interest rate guarantee from a lender. The interest rate can usually be held for 60 to 120 days.  The pre-approval is based on the information you provide to us in your application and is subject to verification of conditions such as employment and down payment verification.

Call Today!  1-877-543-2023

Other products and services from Ralph Prospero


Commercial | Ralph Prospero

The industry is moving towards securitization as an alternative to the traditional balance sheet lending of the big banks and insurance companies. With the addition of these new players, and the move towards increased securitization, the Canadian commercial mortgage market is set to grow. Securitization is leading to a greater availability of funds and greater flexibility in the types of properties that can be mortgaged.


Home Buying | Ralph Prospero

Buying a home is one of the biggest emotional and financial decisions you’ll ever make, so prepare yourself to make a knowledgeable decision today. Although it is nice to think about the positive aspects of owning a home, it is just as important to consider the difficulties as well. It’s the change of your house becoming your home and the spot where all your memories will be built in the future.


Refinance | Ralph Prospero

Our experienced mortgage professionals, who have extensive knowledge of the mortgage industry, will provide the necessary guidance that you need in making the right refinance decision. Consolidating multiple mortgages into onePaying the installments of two or more mortgages at the same time can be quite a burden for most individuals.


Home Equity | Ralph Prospero

Whether you want to refinance your existing mortgage or make use of your Home Equity for any purpose that you desire, the decision to refinance requires proper planning and consideration of several factors. From consolidating several debts into one, to lowering monthly payments and getting ready cash-in-hand, refinancing was never this easy.


Services | Ralph Prospero

Whether you are a first time homebuyer or are looking to refinance an existing mortgage, we provide you with the best, personalized solutions to fulfill your financial requirement. New Home Financing § Refinancing Existing Mortgages § Mortgage Renewals § Home Equity Loans § Mortgages for Self-Employed § 2nd Mortgages § Line of Credit § Debt Consolidation.


Renewals | Ralph Prospero

Your home equity grows over a period of time and by decreasing your principal loan balance, you are in a good position to negotiate. Pay off existing debts, clear high-interest credit card bills, renovate your home and do a lot more after renewing your mortgage. While renewing your mortgage, you are in a stronger financial position as compared to where you were before.