Buy with clarity.Move with confidence.

Get a mortgage pre-approval before you start touring homes. A lender looks at your income, debts, and down payment to tell you your real borrowing capacity, which is often different from what you'd guess. That number becomes the budget for your entire search, so every showing is realistic.

Pre-qualification is a quick, informal estimate based on numbers you self-report. Pre-approval is a lender's underwritten commitment based on verified income, credit, and down payment. Sellers take pre-approved offers far more seriously, so it's the step we recommend before you start touring.

It varies, but most buyers view somewhere between 5 and 15 homes. The Home Locator App's saved searches and instant alerts help you see new matches the moment they hit the market, so you spend your viewing time on homes worth seeing rather than sorting through everything yourself.

When more than one buyer wants the same home, the seller sets a deadline for all offers to be submitted, then reviews them together. Price matters, but so do conditions, deposit size, and closing timeline. We'll help you build an offer that's competitive without stretching past what makes sense for you.

We strongly recommend one for almost every purchase. An inspection gives you a clear picture of the home's condition, from the roof and furnace to the foundation, before you're committed. It can also become a negotiating point if it turns up something the seller should address.

Beyond your down payment, plan for closing costs (legal fees, land title fees, and adjustments), a home inspection, moving costs, and immediate move-in items. Depending on your mortgage and down payment size, you may also need mortgage default insurance. We'll walk through the full picture with you before you make an offer.