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A mortgage pre-approval is a lender’s conditional indication of how much you can likely borrow, based on a real review of your income, credit, and down payment — usually paired with a rate hold for a set window while you shop. It is not a final approval and not a guarantee, but it turns “I […]

Most buyers budget carefully for the down payment and then get surprised by the second bill — the one that lands on closing day. Closing costs are the one-time expenses you pay to actually complete the purchase and take title, and they sit on top of your down payment. In Ontario, a reasonable planning range