Get Pre Approved for a Mortgage in Minutes

Finally, you are looking for a home, but what can you afford? What you need to know is that getting PRE APPROVED for a mortgage can help you:

Purchase a home with more confidence knowing how much you can buy it for.

Your rate is locked and ready for 120 days so that if the rates goes up you are protected.

Save time knowing that all your info is already imputed in the application for a quick final approval.

A mortgage pre approval is based on all the info that you give me along with all supporting documents. All I ask is that you be honest with what you tell me as I will be inputting it in the application and helps for a speedy final approval. I promise to get you the best pre approved rate possible. I work for your best interest and my sole purpose is to find you the BEST mortgage at the BEST rate available to you TODAY.


Pre Approved Mortgages in Minutes

Each year we help hundreds of people qualify for pre approved mortgages in Kingston. Prior to being pre approved, many of these applicants have had similar questions about the pre approval process. In order to provide you with a better understanding of the process and what information is required from you, we’ve compiled some answers to the questions we frequently receive. If you have any other questions, feel free to contact us today. Our trusted team is available to help you understand the mortgage pre approval process.


We’re also available to get you started with our simple approval to get your home buying experience simple and an enjoyable experience. Once you’re pre approved, you can begin looking for that dream home, or if you’ve found the home you can start the offer process! Read more below on some of our most frequently asked questions about getting started.

Qualifying for mortgage pre approval is not a frightening or stressful task. In order to be pre approved for a mortgage in Kingston, you need to demonstrate your ability to make regular payments on time and repay the loan in full. During your meeting with us (mortgage broker), we will use a combination of documents you provide as well as your sense of character to determine how much you qualify for.

Essentially, in order to be pre-approved for a mortgage, you need to demonstrate the following:

  • Proof of income
  • Proof of assets
  • Good credit
  • Employment verification
  • Documentation

In order to get preapproved for a mortgage in Kingston, you will need to meet with a mortgage broker or lender (aka us). During this meeting, we will go over your finances and determine how much money you can afford to borrow and purchase a home. We will also look at things such as your debt to income ratio, your collateral (the property you are buying) and your overall character and the impression you give.

If you are ready to begin the pre approval process, we will require certain information to determine what you qualify for. The are several financial documents you will need to provide prior to applying for mortgage pre-approval. These documents include:

Social Insurance Number:  You will need to provide the social insurance number for anyone being named on the mortgage loan. This is needed to verify your identity and pull credit history.

Proof of Employment: These documents are used to prove that you are currently employed and able to repay your mortgage loan. In most cases, we will need employment history for the past two years (at minimum) including employer’s name, mailing address and phone number.

Proof of Income: This is required to validate your annual income and show the ability to pay back your mortgage loan. Credit and Debt Information: We need to be aware of any outstanding loans and debts you are currently repaying. This includes things like credit card debt, car loans, student loans, etc.

Banking Information: You will also need to provide a recent bank statement to show what you currently have saved. This show you have enough money set aside to make a down payment and pay the closing costs.