Purchase

If you’re seriously considering buying a home, ignore the ads promising an instant pre-approval. A true pre-approval isn’t a button you click – it’s a proper underwriting process that protects you, empowers your Realtor, and ensures your offer is both competitive and credible.

Start with an introductory call with Toma. He’ll paint the broad strokes, confirm we can help, and outline the process.

If we’re a fit, your next step is a secure online application – completed from your home (or phone). We’ve been fully virtual since 2019, so there’s no need to visit an office.

Once submitted, our system generates a personalized document list for you to upload through the same secure portal. These are the same documents every lender requires in order to verify the application.

Then the team steps in.

We underwrite your file as if WE were the bank – reviewing documents, confirming accuracy, and modeling your purchasing power with precision across multiple scenarios. Everything is presented in a custom proposal, so you know exactly where you stand.

The result? You’re ready to shop with confidence – at the right price point and with a solid understanding of your budget.

Meanwhile, we can secure a competitive rate for up to 120 days with no obligation. If rates rise, you’re protected. If they drop, you benefit. You’re covered either way.

Ready to Go LIVE?

When you’ve found The Home and are considering writing an offer, contact us immediately. We’ll update your file, input the property details, and prepare it to go “LIVE.” You can write that offer with real numbers in mind. If your offer’s accepted, we submit your application for formal approval and keep both you and your Realtor informed at every step.

If you want to home-hunt with certainty – not guesswork – start the REAL Pre-Approval process by booking a call.

A Smooth Purchase – Now, and Down the Road

Helping clients move along their personal property ladder is one of the most rewarding aspects of our practice – from first homes to upsizing, vacation properties, and investment real estate.

While you’ll appreciate the stress-free process today, you may not notice that we’re also quietly planning for your next mortgage. This is chess, not checkers; and every move today impacts your options tomorrow.

And during the pre-approval process, we might carve out time for a second conversation – a deeper, more strategic discussion about how a mortgage can do more work for you.