Get Pre-Approved and Streamline Your Home Buying Process

Let Boychuk Mortgage Group be your trusted partner in obtaining a Pre-Approval Mortgage that jumpstarts your home-buying journey with confidence. Whether you're a first-time homebuyer or a seasoned investor, our Pre-Approval Mortgage service provides the financial clarity and insights you need before you start searching for your dream home.

Understanding Pre-Approval Mortgages

A Pre-Approval Mortgage is an essential step that helps you understand your purchasing power and provides confidence as you enter the housing market. It comprises two vital components that empower you as a buyer.

Your Pre-Approval

The Pre-Approval process involves a detailed financial assessment, including reviewing your income, credit history, and supporting documents, to determine the mortgage amount you qualify for.

At Boychuk Mortgage Group, we carefully evaluate your financial profile and provide a formal pre-approval letter, a strong indicator of your readiness to purchase. This includes:

  • A breakdown of your maximum qualifying amount
  • Mortgage options available to you
  • Strategies to achieve your homeownership goals
  • A comprehensive overview of the entire home-buying process

Our Pre-Approval service is free and comes with no obligation, allowing you to make informed financial decisions without pressure.

Riley Boychuk Mortgages

Your Rate Hold

A Rate Hold allows you to secure the best current interest rate for a specific period, typically up to 120 days. This feature protects you from potential rate increases while you search for the right property.

Unlike a full pre-approval, a Rate Hold doesn’t require a detailed income document review until you submit an offer. It’s a simple yet powerful way to lock in rate protection while maintaining flexibility during your home search.

Riley Boychuk Mortgages

Riley Boychuk Mortgages

The Importance of Mortgage Pre-Approval

At Boychuk Mortgage Group, we recognise that obtaining a mortgage pre-approval is a crucial first step in your homeownership journey. It allows you to:

  • Understand your borrowing limits
  • Explore financing options
  • Prepare for mortgage terms and conditions.
  • Approach the real estate market with clarity and confidence.

 

Our team provides personalised guidance and transparent advice, ensuring you are financially prepared to make the right decision when you find your ideal home. Whether you’re looking to protect against rising rates or plan strategically, we’re here to deliver a seamless pre-approval experience from start to finish.

 

Benefits of Pre-Approval Mortgages

 

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    Financial Clarity

    A Pre-Approval Mortgage gives you a clear picture of your financial standing before you begin house hunting. Through detailed analysis of your finances and documentation, we determine how much you can afford and present tailored mortgage options to match your goals.

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    Competitive Advantage

    In a competitive market, being pre-approved gives you a decisive edge. Sellers often prioritise buyers who are financially ready, as it shows you’re serious and qualified, strengthening your negotiation position and potentially accelerating the closing process.

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    Budgeting Confidence

    With your pre-approval in hand, you can plan your budget accurately. Knowing your potential loan amount, interest rate, and monthly payments allows you to search within your financial comfort zone and avoid surprises during the buying process.

  • Mortages by Riley Boychuk

    Time Savings

    Pre-approval eliminates unnecessary delays after you make an offer. Since much of the paperwork and verification is already complete, you can move quickly toward final approval, often ahead of other buyers competing for the same property.

  • Mortages by Riley Boychuk

    Rate Protection

    Our Rate Hold feature ensures that you’re protected from rate increases for up to 120 days. This gives you the freedom to search for the right property without worrying about sudden interest rate changes affecting your mortgage affordability.

 

Google Reviews

Happy Client Reviews

  • testimony

    We had the best experience working with Riley and his team. He is very knowledgeable and was able to help us secure a great rate for our mortgage. He was available at all times to answer any questions we had and was great at communicating with us. Would 100% recommend Riley and his team for your mortgage needs

    testimony

    Szendi Godin

  • testimony

    Riley was such a pleasure to work with. He made our dreams come true, he got us an amazing rate and made it a stress free experience. He is so personable and goes above and beyond for his clients. The thoughtful touches with house warming gifts and birthday cards. He has made such an impact in our life and we will be forever grateful!

    testimony

    kamiko allen

  • testimony

    We recently used Riley as our mortgage broker and he was the best!! Super kind and patient. He was very responsive, took so much time to explain the whole process to us and was able to find us a great mortgage. Would highly recommend.

    testimony

    Annika Reimer

  • testimony

    My husband and I are blown away by how dedicated Riley has been to helping us through the purchase of one home and the sale of another. This whole process can be really overwhelming, but Riley did an excellent job at explaining and educating us through it all. He's very attentive by making phone calls just to check in, and he really cares about us as people not just clients. I would recommend him to anyone I know.

    testimony

    Jillian Nielsen

  • testimony

    Had an absolutely amazing experience dealing with Riley and his team. He was extremely helpful every step of the way and made the home buying experience as easy as possible for us. Highly recommend Riley to anyone looking to purchase a home!

    testimony

    Boston Colley

  • testimony

    We've had great experience with Boychuk Mortgage Group getting a mortgage for our rental property in Calgary. The communication was great, the whole process was smooth and easy. Highly recommend.

    testimony

    Alexander Gazimov

  • testimony

    We had an excellent experience with Riley. Despite our unique situation, he provided outstanding service, addressing our needs and questions promptly. He navigated through any hiccups, ensuring a smooth process. Highly recommend for his professionalism and client-focused approach.

    testimony

    David Bigley

  • testimony

    Riley and his team are a pleasure to work with. They are fast and pay attention to detail. They were able to answer any questions I had regrading the purchase of our new home and worked quickly to assist on closing. I would not hesitate to use the Boychuk Mortgage Group again and recommend them to anyone looking for any mortgage needs.

    testimony

    _christian_sison_

  • testimony

    I had an excellent experience dealing with Boychuk Mortgages. Riley was so thorough and was always available to answer any questions I had throughout the process. He made a difficult and confusing process so easy for a first time home buyer.

    I would recommend Riley to anyone looking for a mortgage broker.

    testimony

    JP Guimond

  • testimony

    Riley and Carla were such a pleasure to work with. They were extremely responsive and kept us in the know every step of the way. They provided various options and helped us make the best decision for our mortgage. Thanks again!

    testimony

    Richard Mulcaster

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