Simply put, we make less so you save more. We run a lean operation with low overhead which allows us to set our margins with the banks well below the market average. In return, we are able to provide lower interest rates than you will typically see when getting quotes from larger organizations. Larger teams and organizations have layers of management making healthy salaries, large office spaces, and a ton of overhead expenses. They have no choice but to set their margins higher in order to keep their operation running in the green. 

A pre qualification is something you will typically find at a very large retail bank, they will take an application, run your credit, and if it looks strong they will issue you a pre qualification letter. However, this is highly un professional. Credit is only one factor in becoming pre approved. A thorough pre approval should take into account all of the necessary items that a real underwriter will look at – Credit, income, assets, and the mortgage application. We look at your file just like a real underwriter will, to ensure you are truly pre approved. I call it a pre underwrite. We do the heavy lifting upfront, so you can have a smooth transaction in the future. Lets face it, buying a home can be stressful and then very last thing you want to have happen to you when your in the middle of planning a move is to find out is that the lender you are working with didn’t do their due diligence and you’re really not qualified. Believe it or not, it happens all the time.