🏦 Don’t skip this crucial step! 👉 Today, we’re talking all about the pre-approval process, which determines what homes you can afford. 💰 What does it mean to be pre-approved? 👉 A certified mortgage lender has checked your credit, employment, and verified assets. 👉 Once they’ve reviewed these things, they can tell you how much money the bank can loan you for your mortgage. 👉 Also, most sellers require a pre-approval letter from a mortgage lender before negotiating with a buyer. ✅ To get pre-approved, you’ll need to provide proof of the following: ✔️ Employment verification ✔️ Proof of assets (cash on hand; the money in your checking or savings accounts, money market accounts, etc.) ✔️ Proof of income (income tax returns) ✔️ A qualifying credit score (usually above 620) ✔️ Personal documentation (government-issued identification) Once you’re pre-approved, we can begin the home-buying search in earnest! Drop a “YES!” in the comments if you found today’s lesson helpful. We think we covered the basics, but if you have any questions, feel free to shoot us a DM if you have questions. #listings #listing #listingtime #newlisting #undercontract #contracts #realtors #realestate #realestatemarket #market #advice #advicetime #givingadvice #giveadvice #realtor #realtorlife #curbappeal #ragonasisters #ragonasistesrealestate #ragonasistersmortgages #gtarealestate #vaughanrealestate

💑 Can a newly married couple buy a home under one name? It depends on your financial situation whether you should apply for a mortgage jointly. Here are some guidelines which may help. 👉 If you both have significant income 👉 If you both have similar credit scores One spouse having bad credit is the main reason not to file for a mortgage jointly. You can get a higher loan if you have similar credit because banks will consider your combined income. In most cases, it is better to apply for your mortgage together. If you have any questions about this process, I can help you review the pros and cons of a joint mortgage. 🤙 Give us a call at 647.691.7778 #newlyweds #newhomebuyers #homebuyer #homebuyers #justmarried #newlywed #isaidyes #married #justmarried #realestate #realtor #mortgageloan #mortgage #ragonasisters #ragonasistesrealestate #ragonasistersmortgages #gtarealestate #vaughanrealestate

Being a first-time home buyer can be a stressful situation. That is why it is so important to get the best real estate agent possible to help you through the process. I can help walk you through this process from start to finish. Let's chat about what your future in your new home will look like. #ragonasisters #ragonasistesrealestate #ragonasistersmortgages #gtarealestate #vaughanrealestate

Always Remember: The most important work you will ever do is within the walls of your own home. • • • • • #quotesoftheday #successquotes #instaquotes #positivequotes #dailyquotes #quotestags #quotesofinstagram #entrepreneurquotes #ragonasisters #ragonasistesrealestate #ragonasistersmortgages #gtarealestate #vaughanrealestate

Where do you think most of these top earners live in Canada? #didyouknow #ragonasisters #ragonasistersrealestate #ragonasistersmortgage #vaughanrealestate #gtarealestate

👉 Okay, friend. It’s time for some tough love: let’s chat about *wants* vs. *needs.* 🌎 In a perfect world (and in a perfect market), you’d be able to get everything on your home wish list. 💡 But the reality is that it rarely happens. ✍️ That’s why it’s important to determine your wants and needs *before* you begin your home search. This way, you don’t waste your time viewing homes that don’t work for you or your family. 🤔 But what’s the difference between the two? 👉 *Needs* are your must-haves. Your non-negotiables. You can’t-live-withouts. 👉 Examples include air conditioning, enough bedrooms for each member of your family, and location (think: within a certain school district or within a certain radius of your job) 👉 *Wants* are more like things you can live without but would prefer to have, such as quartz countertops, hardwood flooring, or a separate shower and bathtub. 👉 The thing about your list is that it’s personal to *you.* Your best friend might need a big backyard for her Great Dane, while you might want a smaller yard that doesn’t require a ton of maintenance 👉 So, let’s practice. Share some of your home's wants and needs in the comments below! #undercontract #contracts #realtors #realestate #realestatemarket #market #advice #advicetime #givingadvice #giveadvice #realtor #realtorlife #curbappeal #ragonasisters #ragonasistesrealestate #ragonasistersmortgages #gtarealestate #vaughanrealestate

🏦 Seller tip: ALWAYS be ready to show! ✅ Your house needs to be "show-ready" at all times – you never know when your buyer will walk through the door. You have to be available whenever they want to come to see the place, and it has to be in tip-top shape. Don’t leave dishes in the sink, keep the dishwasher cleaned out and the bathrooms sparkling, and ensure there are no dust bunnies in the corners. It’s a bit inconvenient, but it will get your house sold. #realestate #realtorlife #listingagent #luxurylistings #sellyourhome #homesellers #homeselling #homeseller #sellingahome #localrealtor #houseflip #sellyourhouse #realtorforlife #homesellertips #ragonasisters #ragonasistesrealestate #ragonasistersmortgages #gtarealestate #vaughanrealestate

Don’t set yourself up for disappointment when you start looking for your next home. Meet with a mortgage professional and get pre-approved so you know exactly what home you can afford. #ragonasisters #ragonasistesrealestate #ragonasistersmortgages #gtarealestate #vaughanrealestate

🔖 Now that it's a new month, it's time for a new checklist! Here are some things you can do to keep up with your home maintenance: 👉 1) Scrub the deck: Use a mixture of warm water and dish detergent to gently wipe down furniture cushions before leaving them out in the sun to dry. Open your patio umbrella, and use a vacuum or broom to remove any cobwebs. 👉 2) Freshen your pool: Test the pH level weekly with a pool water test kit to make sure chemicals are balanced and safe. Chemical level guidelines vary depending on the season and weather conditions, but the pH level should remain between 7.2 and 7.8 for the cleanest and safest water. 👉 3) Clean washer and dryer: a bit of diluted bleach or white vinegar in the washer drum will usually take care of most cleaning needs and prevent mould from growing. Remove and wash the lint screen in the dryer—especially important if you use dryer sheets. 👉 4) Drain your water heater: Just like changing your car’s oil, flushing your water heater improves your unit’s efficiency and life span—and keeps your showers as scalding hot as you like them. 👉 5) Plant your Fall veggies: This, of course, depends on your location and climate—but in general, midsummer’s a great time to plant certain fall harvest fruits and vegetables. Think basil, broccoli, cauliflower, and leafy greens like chard, spinach, and collard. #July #August #homechecklist #homemaintenance #maintenance #realtor #realestateagent #hometips #homehacks #tips #hack #ragonasisters #ragonasistesrealestate #ragonasistersmortgages #gtarealestate #vaughanrealestate

🏖️ If there is one thing that helped us get through the past year, it's that WE LOVE where we live. It was the best to see how our community banded together to support one another ... and we hope we still support local as all of the craziness of the past year comes to an end! 🏖️ Here are a few ways to get out in the community and enjoy living in our beautiful city this summer. 🏖️ What's on your summer bucket list? #SummerFun #SummerBucketList #SummerActivities #BucketList #LocalFun #SummerBbq #camping #SummerTime #ragonasisters #ragonasistesrealestate #ragonasistersmortgages #gtarealestate #vaughanrealestate

Advice for today: Trust the timing of your life. I know this might sound repetitive, but everything happens for a reason! • • • • • #quoteoftheday #inspire #motivationalquotes #inspirationalquotes #lifequotes #quotestoliveby #quotestagram #lifelessons #wisewords #realtor #realestate #realestateagent #ragonasisters #ragonasistesrealestate #ragonasistersmortgages #gtarealestate #vaughanrealestate

Do you find staged homes more appealing to look at? #didyouknow #ragonasisters #ragonasistersrealestate #ragonasistersmortgage #vaughanrealestate #gtarealestate