Remax sarnia realty inc., Brokerage
1319 Exmouth St. Sarnia,
ON, N7S 3Y1

Ryan Gervais

Ryan is a full time Sales Representative with Re/max and look forward to being your guide to the Sarnia Real Estate market

VIDEO – Getting Pre-Approved for a Mortgage

no Comments In Mortgage Real Estate

Mortgage pre-approvals are a very important step in the home buying process. Below is a great video that will explain the most important steps when buying a home. Being pre-approved will help you negotiate a better price and fulfill your conditions more quickly.

The other advantage of a pre-approval is when there are multiple offers on a property. The Seller will sometimes ask for the per-approval before any offers are accepted. If you do not have the complete paperwork you risk losing out on the house of your dreams.

When it comes to the mortgage rate you are receiving you should also ask the mortgage person to lock in your rate for 90 – 120 days. This gives you the peace of mind that if mortgage rates rise you are locked in at the time of the pre-approval. It could save you thousands of dollars especially as rates start to creep up.

All bankers are not equal. Buyers should always go to a mortgage specialist and almost NEVER to the bank itself. If you walk into a bank you are walking into a “mortgage adviser’s” office that also opens accounts, does investments, lines of credit, etc, etc. Would you rather go to the person who does 3 – 4 mortgages a month at best or a professional mortgage specialist that does 20 – 30 mortgages a month? Who do you think has more leverage when it comes to term, rate, and service.

I always recommend Barry Porter who is a mobile mortgage specialist with RBC. He is mobile in the sense that he comes to you as mortgages are all that he does. Go to my Barry Porter page for his contact information. You will be happy that you did! Tell him Ryan sent you for even better service!

Ryan Gervais

Ryan Gervais is a full time multi-award winning agent who is here to help you through your real estate journey. Ryan's main passion is to protect his clients greatest investment by making sure you buy a great house for a fair price. Reach out today and see for yourself the difference a great agent can make.

(519) 381-4055

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