Mortgage Pre-Approval in Alberta
Get a clean, broker-certified pre-approval you can trust. We verify income, run the numbers against current lending rules, and issue a clear budget & letter—so you can shop with confidence and write stronger offers.
All mortgage financing is arranged through Dominion Lending Centres Lender Direct (Mortgage Brokerage). Each office is independently owned and operated. OAC; subject to change.
Why Start with a Pre-Approval?
What You’ll Receive
- Budget & payment snapshot at today’s assumptions
- Pre-approval letter (on request)
- Rate hold (where available)
- Document checklist & timeline to closing
- Next-step plan tailored to your city (Edmonton, Calgary, Red Deer, Fort McMurray, Sherwood Park, St. Albert)
Who This Is For
- First-time buyers wanting clarity and confidence
- Move-up/relocating buyers timing a sale and purchase
- Self-employed with non-traditional income
- Returning buyers after a separation or credit rebuild
The Process (Fast & Clear)
- Discover (10–15 min): Goals, budget, city, and timeline
- Secure Uploads: ID and income/down-payment docs
- Lender Match: We compare programs and structure terms that fit your plan
- Letter & Rate Hold: You get your pre-approval letter and a practical shopping plan
What We Check (and Why It Matters)
- Income: employment letters, recent pay stubs, T4/NOA; self-employed: business financials/T1s/add-backs
- Down payment & closing funds: savings history, gifts, RRSP/HBP, sale proceeds
- Debts & obligations: loans/LOCs/leases/child support (affects ratios
- Credit: we keep inquiries efficient; a single mortgage check is typical
- Property assumptions: taxes/condo fees/heat to ensure realistic payments
Pre-approvals assess you at a qualifying rate under current rules. We’ll explain the stress-test math and show fixed vs variable scenarios.
Documents Checklist
- Government photo ID
- Recent pay stubs + employment letter (or business financials if self-employed)
- Latest T4/NOA (and T1s if self-employed)
- Down payment documents (90-day history/gift letter if applicable)
- Current rent/mortgage statements (if applicable)
FAQ: Mortgage Pre-Approval
Typically 90–120 days with a rate hold (program-dependent). We’ll reconfirm if your search goes longer.
It’s a strong indicator, but final approval depends on the property (appraisal, condo docs, title) and any changes in your file.
A single mortgage inquiry typically has minimal impact. We keep credit checks efficient.
We’ll model both. Fixed offers payment stability; variable can offer flexibility. We’ll show penalty and prepayment differences.
Often yes—subject to price limits, insurer rules, and your file. We’ll confirm your exact minimum.
Ready to shop with confidence?
We pre-approve clients across Edmonton, Calgary, Red Deer, Fort McMurray, Sherwood Park, St. Albert, and beyond—pairing local insight with nationwide lender access.