Financing a home can be easier, increase your chances of a mortgage approval with these 30 quick tips!

1. 30 TIPS
TO GET YOUR
MORTGAGE
APPROVED
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412

2. Ge/ng a mortgage is not like
going to the grocery store and
choosing the package with the
lowest rate and best terms, it’s
a bit more complicated than
that.
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
To help make your trip to the mortgage
market go smoothly, I’m going to share 30
quick :ps on how to get your mortgage
approved.

3. 1. Have your
documents
ready to go
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
If you’re not sure what you’ll need, find
out first, and get a head start on any
paperwork you’re missing.

4. 2. Get a
mortgage
pre-approval
ahead of Rme
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
If you are unsure as to whether you will qualify for a
mortgage or what you have to do before even qualifying for
a mortgage have a lender take a preliminary look at your
applica:on so there are no disappointments when you are
ready to buy.

5. 3. Have a
good credit
score
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
The higher the score the beBer.

6. 4. Don’t
borrow your
downpayment
if you don’t
have to
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
The more you have from your own
resources, the more appealing you look
to a lender.

7. 5. Have
minimal
debt
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
The less, the beBer.

8. 6. Buy
within your
means
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
You need to qualify for what you
buy, ensure it’s affordable.

9. 7. Stay with
the same
employer
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
The longer you’ve been with the
same employer, the beBer it looks.

10. 8. Provide a
large
downpayment
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
The more the beBer, because it
means less risk for the lender.

11. 9. Sell your
exisRng
property first
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
If you don’t sell, you must qualify
to carry both.

12. 10. Have good
credit repayment
history
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
A good credit score doesn’t mean much if
there’s not enough history of debt
repayment.

13. 11. Have
posiRve net
worth
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
Assets look good to a lender.

14. 12. Don’t
rush
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
Some:mes you can’t rush a good
thing.

15. 13. Shop
around for the
best rate before
you buy
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
Prevent delays when it comes :me
to buy.

16. 14. Do your
research first
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
Be prepared to avoid surprises.

17. 15. Don’t
change jobs at
the last minute
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
Your lender will need the new details
and proba:on can cause issues.

18. 16. Avoid
last-minute large
purchases
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
Material changes to your applica:on,
including debts, can alter your approval
status.

19. 17. Consult a
professional
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
Use their experience to your
advantage.

20. 18. Augment
your savings
account
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
More money is always a good
thing, right?

21. 19. Understand
what a co-signer is
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
Just in case it’s needed, you’ll be
ready.

22. 20. Ask for
excepRons
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
You don’t get what you don’t ask
for.

23. 21. Be
prepared to
negoRate
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
If it’s very important to you, be
prepared to discuss it.

24. 22. Don’t
take no for an
answer
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
If you don’t succeed on the first
try, try and try again.

25. 23. Have a
back-up plan
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
If it doesn’t work out one way,
prepare for a plan B.

26. 24. Fill out
your paperwork
accurately the
first Rme
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
Save :me and energy by doing it right the
first :me. Ask ques:ons if you’re unsure
how.

27. 25. Be honest
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
Mortgage approvals can be withdrawn
if a falsifica:on is discovered.

28. 26. Know
your income
if you’re
self-employed
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
It needs to be clearly presented to a
lender, so make sure you’re on top of it.

29. 27. Be open
to alternaRves
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
There may be other op:ons, but be
prepared for poten:ally higher interest
rates, and fees.

30. 28. Budget
for closing costs
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
Costs can vary, be prepared

31. 29. Pay
a`enRon to
detail
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
Some:mes it’s the small things that can
make a big difference, read the fine print.

32. 30. It’s okay
to wait
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
An approval may not be possible right
now, that doesn’t mean it’s never going to
happen.

33. While these Fps might make ge/ng
a mortgage approval a bit more
likely, working with an experienced
mortgage professional who can
successfully structure your
applicaFon for acceptance by a
lender is the quickest route to
home ownership.
JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
Once approved, make sure you’re comfortable with
the commitment you’re about to make. Ensure the
new mortgage supports your lifestyle by being
affordable and aligns with your financial goals.

34. JACKIE WOODWARD
MORTGAGE EXPERT
TMG THE MORTGAGE GROUP
INFO@MORTGAGEGIRL.CA
MORTGAGEGIRL.CA
780-433-8412
LET’S CHAT!
@Mortgagegirlca