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Get a Better Mortgage

Simpler, smarter mortgages for a brighter future.

Our Lending Advantage

Fast

Lending Approvals

Low Rates

great pricing and industry low fees

98%

would recommend us

No-Obligation

free, no-hassle quotes

Mortgages and Home Lending Made Fast and Easy

Find the home loan that works for you!

Helping people with their home mortgage and lending needs is what I do. I work closely with you to determine your exact needs to help provide you with the personalized financing you need.

Need more help? Have a question? Please feel free to contact me and we'd be happy to go over things with you.

What Can You Afford?

Mortgages for First Time Home Buyers

First Time Buyers

Buying your first home is an exciting time. Let us help you choose the right loan with the best terms.

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Mortgage Renewals

Mortgage Renewals

Mortgage renewal fast approaching? Now is a great time to look at the many excellent options available.

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Mortgage Refinancing

Mortgage Refinancing

Take advantage of historic low rates and start saving more of your hard-earned money each and every month.

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Debt Consolidation

Debt Consolidation

Are you held back by high-interest rate debt? Get debt-free sooner, consolidate into one lower interest rate.

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Spruce Grove's Trusted Mortgage Broker

Any Spruce Grove home buyer should consider talking to a trusted Spruce Grove Mortgage Broker and discuss the mortgage pre approval benefits and should get pre approved even before setting out on the quest to find the dream home. There are some mortgage brokers and real estate companies that would not deal with any prospective homebuyer unless they are pre approved by some credible mortgage companies. Property owners too are less interested in dealing with homebuyers who don't have a Spruce Grove mortgage pre approval.

Here are some of the mortgage pre approval benefits that you should consider.

How much loan can you get? How much down payment would you have to make? How much loan amount can you qualify for or get vis-à-vis specific down payments? What are the rates of interest that you would have to bear and for how many years? When would the rates start to fluctuate? How much mortgage you would be paying every month for fifteen, twenty or more years? You would get answers to all these questions and more. You can check out the information online but those would be generic information or typical answers. You need answers to questions considering your financial profile. 

One of the most important Spruce Grove mortgage pre approval benefits is that you actually get to know how much you can pay. It is quite common for people to have a certain figure in mind and then they get to know that they can get qualified for much more. Some people are disappointed when they realize that they cannot get what they thought they would. Hence, getting pre approved will give you the actual picture and you may end up buying a more expensive or a more reasonably priced property.

With mortgage pre approval, you are doing away with all the uncertainties, delays and complications which would have otherwise cropped up after you had selected the property to buy. Mortgage applications usually take time, there are complications when certain documents are not available or when the credit history is not very healthy or if something unique comes up in a particular case. Besides, there is uncertainty if you would get the mortgage at all. With mortgage pre approval you are ready to buy a property the moment you decide to do so.

Knowing that there is some problem with your credit history or score can help you to take corrective measures. Knowing before hand and correcting the credit score is much easier than finding out about it after you have chosen a property and then having got rejected by the mortgage company.

Mortgage pre approval will actually give you all the details pertaining to the application, closing costs, down payments, monthly payments and the fine print. You would get to know everything that is there to know. Hence, you can set aside adequate down payment, be ready for the closing costs and you can have a nice financial plan in place to keep paying the monthly installments. 

When you have mortgage pre approval, with a trusted Spruce Grove Mortgage Broker, you are confident that you will be able to buy a home you like. You can do away with properties that are beyond your budget. You would be taken as a serious homebuyer by property owners and real estate agents who could otherwise think that you are just looking. Also, you can participate in bidding and may even win due to mortgage preapproval. 

Our Easy Lending Process

Step 1: Contact Us

to get started

Step 2: Needs Analysis

what are you looking to do

Step 3: Verify Details and Sign

we will go over the documentation for final approval

Step 4: Funding

the final step

Rated 5 Stars Rated 5 Stars Rated 5 Stars Rated 5 Stars Rated 5 Stars

Rated 5 Stars by Our Clients!

read all testimonials
  • Hi Holly, Sorry it took me a while to reply to you. I just wanted to say thank you so much for everything with getting my mortgage figured out. It is all working out great and it feels good to h...
    Ruth Esau
  • We have worked with Holly previously and will continue to do so in future. We have always appreciated her expertise & professionalism throughout the years & refer her to others whenever possible. ...
    May & Rob
  • Hi Holly: Thank you again for all of your help. I am so grateful for your knowledge and expertise. I don’t have to worry because I know you will always find the best way to make things work. ...
    Marsha Friedel
  • We would like to extend a huge thank you to Holly Cochrane and her team for all the help through the process of buying our new home. We were first time homebuyers and at times it's tough to navigat...
    Brad and Kate
  • Holly, the service I received from you and your team was great! You were always on time and you helped me out. Thanks so much.
    Dereck M.

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