Interest Rates

Posted Rate Term Our Rates
6.00% 5 YR VARIABLE CLOSED 5.00%
6.39% 5 YEAR FIXED CLOSED 5.39%
6.54% 1 YEAR FIXED CLOSED 5.54%
5.99% 2 YEAR FIXED CLOSED 5.54%
5.99% 3 YEAR FIXED CLOSED 5.59%
5.89% 4 YEAR FIXED CLOSED 5.44%
5.89% 7 YEAR FIXED CLOSED 5.29%
6.50% 10 YEAR FIXED CLOSED 6.00%

*rates are subject to change without notice

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Getting Pre-Approval With The Best Interest Rates

A pre-approval evaluates whether you quality for a loan, and estimates the maximum amount that the lender would be willing to lend. The pre-approval process for financing your home and getting the best interest rates involves a thorough analysis of your income and your expenses, including your credit report and score. As long as no major income or credit changes occur between the time of the pre-approval and the actual purchase of your home, the pre-approval dollar amount can be expected to remain the same.

A pre-approval is beneficial for several reasons:

  • · It's quick – A pre-approval takes very little time to process and can be done easily over the phone.
  • · Indication of intent to buy – A pre-approval is an indication that you are serious about purchasing a home, which is often required by a real estate agent.
  • · Saves you time – Once you have a pre-approval, you are able to check out homes you can actually afford for financing. You wont fall into the trap of looking for homes that are beyond your approval estimates. By narrowing your search, you are able to select your home by focusing on the important little nuances of each home. This minimizes anxiety and helps you avoid situations of last minute loan surprises that may disqualify you from obtaining your dream home.
  • · Negotiating power – A pre-approval for financing a home, gives you the leverage to negotiate the price with the seller. Since your loan application is processed, purchasing your home can be done smoothly and quickly, which is very desirable for the seller.

As a mortgage broker, I will include the best interest rates in your pre-approval loan for financing your dream home.

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