{"id":18217,"date":"2022-01-13T01:00:00","date_gmt":"2022-01-13T06:00:00","guid":{"rendered":"https:\/\/www.zoocasa.com\/blog\/?p=18217"},"modified":"2022-01-13T13:28:32","modified_gmt":"2022-01-13T18:28:32","slug":"what-is-a-mortgage-pre-approval","status":"publish","type":"post","link":"https:\/\/www.zoocasa.com\/blog\/what-is-a-mortgage-pre-approval\/","title":{"rendered":"What is a Mortgage Pre-Approval?"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">Mortgage Pre-Approval<\/h1>\n\n\n\n<p>It\u2019s important to go through the mortgage pre-approval process before you start looking for a home. You\u2019ll find out valuable information, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The maximum mortgage amount you can afford<\/li><li>What your monthly mortgage payment would be<\/li><li>The current mortgage rates available on the market<\/li><\/ul>\n\n\n\n<p><strong>Zoo Tip!<\/strong><\/p>\n\n\n\n<p>Getting pre-approved for a mortgage guarantees the rate you\u2019re offered by your lender for up to 160 days. You\u2019re protected from increases in interest rates while searching for a home if you lock in with that lender. Even if rates go down during this time, your lender will honour the lower rate, so it\u2019s a win-win situation. Applying for pre-approval is free and recommended.<\/p>\n\n\n\n<p>There are three main topics a lender will discuss with you when applying for a mortgage pre-approval:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Down Payment<\/h2>\n\n\n\n<p>It\u2019s important you\u2019ve saved a lump sum of money to put toward the purchase of your home. The minimum&nbsp;<a href=\"https:\/\/www.zoocasa.com\/education-centre\/buying\/mortgage-down-payment\">down payment<\/a>&nbsp;in Canada is 5% of the total purchase price for homes under $500,000. And if your home is over $1 million, your minimum down payment is 20% on the entire amount.<\/p>\n\n\n\n<p>As of February 15, 2016, the minimum down payment for homes between $500,000 and $1 million is 5% on the first $500,000, and 10% on the remaining amount.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Example<\/h3>\n\n\n\n<p>$700,000 home<\/p>\n\n\n\n<p>First $500,000 x 5% down payment = $25,000<\/p>\n\n\n\n<p>Remaining $200,000 x 10% down payment = $20,000<\/p>\n\n\n\n<p>Total down payment: $25,000 + $20,000 = $45,000<\/p>\n\n\n\n<p><strong>Your down payment directly affects the size of your mortgage.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Example<\/h3>\n\n\n\n<p>Let\u2019s say you have a down payment of $20,000 and you want a home under $500,000, meaning your minimum down payment is 5%.<\/p>\n\n\n\n<p>$20,000 (as 5% of the total home price) x 20= $400,000<\/p>\n\n\n\n<p>Your maximum mortgage is $400,000.<strong>Zoo Tip!<\/strong><\/p>\n\n\n\n<p>Keep in mind there are also closing costs you\u2019ll be responsible for when buying a home, which can be upwards of 4% of the selling price. So, if you have a down payment of exactly 5% of your mortgage, you\u2019ll need to make sure you have extra savings put aside for your closing costs.<\/p>\n\n\n\n<p>Long story short: Your pre-approval amount is how much your lender is willing to lend you, not how much you should spend. The smaller your mortgage, the more you\u2019ll have for savings and other costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Credit Score<\/h2>\n\n\n\n<p>Your credit score gives lenders an indication of your financial health. Depending on your credit score, lenders assess the level of risk, giving you different options:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>From 680 to 900: You qualify for a mortgage with an \u201cA\u201d level lender. This includes top brokerages and major banks.<\/li><li>From 600 to 680: Lenders will weigh other financial factors to determine your eligibility. Depending on your assessment, you may qualify for an \u201cA\u201d level lender or a \u201cB\u201d level lender, like Home Trust or Equitable Bank.<\/li><li>Below 600: You won\u2019t get the best rates and only qualify to work with a \u201cB\u201d level lender.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">3. Debt Service Ratios<\/h2>\n\n\n\n<p>Your Gross Debt Service Ratio and Total Debt Service Ratio are two measurements used to determine your largest affordable monthly mortgage payment. These ratios are based on your income, debt, and expenses, and give lenders an idea of your financial situation. Check out our page on&nbsp;<a href=\"https:\/\/www.zoocasa.com\/education-centre\/buying\/how-much-can-you-afford\">mortgage affordability<\/a>&nbsp;to learn more about debt service ratios.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Supporting documentation you\u2019ll need<\/h2>\n\n\n\n<p>Although it varies between lenders, you should be prepared to have the following information ready:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>ID (Driver\u2019s License, Passport)<\/li><li>Employer letter as proof of income and length of time with employer<\/li><li>Financial statements as proof of ability to pay down payment and closing costs<\/li><li>Proof of other assets like cars, properties, and boats<\/li><li>Credit card statements<\/li><li>Loan statements for student loans, personal loans, and car leases<\/li><li>Proof of spousal and child support payments<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Limitations on mortgage pre-approvals<\/h2>\n\n\n\n<p>Being pre-approved for a mortgage doesn\u2019t mean your final mortgage application will be approved. If your property doesn\u2019t match a lender\u2019s qualification criteria you won\u2019t qualify for that mortgage, despite being pre-approved.<\/p>\n\n\n\n<p>There are a few reasons lenders could deem the property unsuitable:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The home is a heritage home<\/li><li>The appraised value is below the purchase price<\/li><li>The home has asbestos or knob &amp; tube wiring<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage Pre-Approval It\u2019s important to go through the mortgage pre-approval process before you start looking for a home. You\u2019ll find out valuable information, including: The maximum mortgage amount you can afford What your monthly mortgage payment would be The current mortgage rates available on the market Zoo Tip! Getting pre-approved for a mortgage guarantees the [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":18777,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override":[{"single_blog_custom":"","sidebar":"","second_sidebar":"","share_position":"","share_float_style":"","post_date_format":"","post_date_format_custom":"","post_reading_time_wpm":"","zoom_button_out_step":"1","zoom_button_in_step":"1","number_popup_post":"1"}],"image_override":[{"single_post_thumbnail_size":"","single_post_gallery_size":""}],"trending_post_position":"","trending_post_label":"","sponsored_post_label":"","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo":"","sponsored_post_desc":""},"jnews_primary_category":{"id":""},"footnotes":""},"categories":[1151],"tags":[],"class_list":["post-18217","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-guide"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is a Mortgage Pre-Approval? | Zoocasa Blog<\/title>\n<meta name=\"description\" content=\"Mortgage Pre-Approval It\u2019s important to go through the mortgage pre-approval process before you start looking for a home. 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