For some reason the majority of people continue to go to realtors first and brokers or the bank after. This is old-school thinking and it should be the other way around. Smart realtors these days won’t spend much time with a client until they are properly qualified. From the clients perspective, why would you go shopping without know how much money is in your wallet. On top of that as a broker we provide 120 rate holds that don’t cost you a penny and are there for your protection. This could save you thousands in interest cost by simply planning ahead. Here is a good recap of the steps:

• Contact your broker first (hopefully Jessi Johnson)
• Get pre-approved and make sure your credit good
• Send in your documents now, not later to get checked by your broker.
• THEN contact your realtor and have fun home shopping.

This way when you have an accepted offer, your potential problems are minimized. Remember to own your life and check me out at http://www.jessijohnson.ca/