Purchase

If you’re seriously considering buying a home: Ignore the commercials that promise a mortgage pre-approval in a matter of seconds. Do it right and do it early in your home-buying journey – for your sake and for your Realtor’s. Get a fully underwritten pre-qualification from Toma’s team.

It all begins with a 15-minute introductory call with Toma, where he’ll gather some basic information and confirm whether we can help you.

If we’re a fit – the next step is a secure, online application, filled in from the convenience of your home (or phone). No need to come to our office; we’ve been 100% virtual since 2019.

After your application is submitted, our team/system will send you a list of documents to securely upload into the same portal. These documents are universally requested by all mortgage lenders and will be used by them (and us!) to verify your income and down payment.

Our team will act like we’re the bank, underwriting your application by vetting your documents. Weaving everything together, we’ll be able to estimate your borrowing/purchasing power with precision, among a couple of scenarios – all of which will be presented to you in a custom proposal.

Presto! You’re ready to home-hunt with the confidence that you’re shopping at the correct price-point and budget. In the meantime, we can hold a competitive rate for you for up to 120 days without obligation. If rates should happen to go up during your hunt, you’re protected; and if they go down, you’ll benefit. You’re covered in both directions.

Ready to Go LIVE?

When you’ve found a home and are considering making an offer, contact us immediately. We’ll bring your file forward and make it ready to go “LIVE,” updating wherever needed and inputting the actual home’s information. If your offer is accepted, we’ll circulate your application for a formal approval. We’ll keep you and your Realtor constantly updated throughout the entire financing process.

Want to home-hunt with more certainty? Start the “REAL Pre-Approval” process today by booking a call.

A Smooth Purchase – Now, and Down the Road

There’s nothing more fulfilling than helping clients climb their own unique “property ladder:” buying their first home, upsizing to create more room for family, and even pushing beyond – to a vacation home or your next investment property. So while you’ll love our stress-free process for getting you this mortgage, you may not notice that we’re always keeping your NEXT mortgage in mind. This is chess, not checkers; and we’d be happy to explain the moves.

What’s more: during our pre-approval process, we’ll set aside some separate time to have a SECOND conversation about your mortgage needs.