Mortgage Pre-Approval vs Mortgage Approval

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Flat lay of real estate concept


  • Mortgage Application
  • Credit Bureau (Banks may not pull this during the process) Brokers will
  • Employment Document Review

This is a discovery process to determine your purchase price limits and to uncover should you require any items to be address prior to proceeding to the next step.


  • Mortgage Application
  • Credit Report
  • Employment Documents
  • Down payment Items
  • Offer to Purchase (Any supporting documents will be collected)

During this process the lender will receive your application. A commitment from the selected lender will be generated and your signature will be required. At this juncture you will be moving over to the final steps to secure your mortgage closing with the lawyer.