Get Mortgage Pre-Approval

Get Mortgage Pre-Approval in the Fraser Valley
Buying a home in Maple Ridge, Pitt Meadows, Langley, or Mission? Getting pre-approved is the smartest first step in your home search.
Why Get Pre-Approved Before You Shop
Pre-approval gives you three key advantages in today’s Fraser Valley market:
Know your budget exactly. No more guessing what you can afford. A pre-approval locks in a specific dollar amount based on your income, debt, and credit.
Lock in your rate for 90 to 120 days. If interest rates rise during your home search, your pre-approved rate is protected. If they drop, you usually get the lower rate.
Make stronger offers. Sellers in the Fraser Valley take pre-approved buyers more seriously. In multiple-offer situations, a pre-approval letter can be the difference between winning and losing.
What You’ll Need
Most mortgage brokers will ask for:
Recent pay stubs (last 2-3)
T4 slips or Notice of Assessment (last 2 years)
Bank statements (last 90 days)
Photo identification
A list of current debts and assets
Down payment source documentation
If you’re self-employed, retired, or have non-traditional income, the requirements differ. Your broker will guide you through the specifics.
Connect with a Local Mortgage Broker
We work with experienced mortgage brokers who specialize in the Fraser Valley market. They understand local property values, common scenarios for area buyers, and how to structure mortgages for Maple Ridge, Pitt Meadows, Langley, and Mission home purchases.
Fill out the form below and we’ll connect you with a vetted local mortgage broker. There’s no cost to you. Mortgage brokers are paid by the lender, not the borrower.

What Happens Next
Within 24 hours, a local mortgage broker will reach out to discuss your situation.
Your initial consultation is free and takes about 30 minutes (phone or in person).
If you decide to move forward, the broker will request your documentation and submit applications to multiple lenders to find your best rate.
Pre-approval letter is typically issued within 1 to 3 business days.
You’re ready to shop with confidence.
Common Questions
How much can I afford?
Your maximum is determined by lender stress tests, debt-to-income ratios, and down payment size. A broker can give you specific numbers based on your situation.
What’s the minimum down payment?
Canadian rules require 5% down on the first $500,000 and 10% on any portion above $500,000, up to $1.5 million. Homes over $1.5 million require 20% down minimum.
Do I need to use the broker my realtor recommends?
No. You’re free to choose any mortgage broker. Many buyers compare 2 to 3 brokers before deciding.
Will pre-approval hurt my credit score?
A single hard credit check has minimal impact (typically 5 to 10 points) and bounces back within months. Multiple checks within 30 days for the same purpose are usually counted as one inquiry.
How long does pre-approval last?
Typically 90 to 120 days. If you don’t find a home in that window, you can usually renew with updated documentation.
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Information current as of April 2026. Mortgage rules, qualifying criteria, and interest rates change frequently. Always verify current requirements with a licensed mortgage broker. HomeServicesMatcher connects you with independent mortgage brokers who provide their own services and recommendations. HomeServicesMatcher does not provide mortgage advice or financial products directly.