Pre-approval is the first official step of a mortgage application. It is a strategic step in the home buying process because:

• The interest rate mortgage is guaranteed up to 120 days, even if interest rates
go up during that period, you are secured. If a better rate comes up in the
meantime, you are automatically relocked into the lower rate. It’s a win-win
• You are aware of the mortgage amount that you can borrow to purchase your
home, so your real estate agent can show you homes that are within your
price range.
• Sellers are more interested in offers from buyers who have their financing
already lined up.


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David Nataf is a Managing Partner and Chartered Mortgage Broker at Centura Finance, based in Montreal, Quebec. He is an expert in his field, with over 10 years of experience as a Mortgage Broker. Through hard work and dedication, David has earned various honours within the industry.

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