Courtesy of Annette O'Neil

As we welcome a brand new year, we want to take a moment to thank you for being such an important part of our journey. Your trust, support, and referrals mean the world to us, and we are truly grateful to work with such amazing clients. We’re excited for what this year will bring and look forward to continuing to help you with all your real estate goals—whether that’s buying, selling, or simply staying informed about the Windsor-Essex market. Wishing you and your loved ones a happy, healthy, and successful New Year filled with new opportunities and great memories. Warmest wishes, Annette & Caitlynn The O’Neil Group

Happy New Year from The O’Neil Group!

The majority of Canadians looking to purchase a home know they need to check in with a mortgage professional to determine what price range of home they should be looking at. Typically, a buyer gets pre-qualified first. It’s a brief process where the mortgage professional (or lender of choice) looks at their overall financial situation and helps the buyer get a feel for the price range of home they should be looking for. A pre-qualification doesn’t affect the buyer’s credit score and isn’t a guarantee they will be approved for a mortgage in the future. However, it does give a buyer an idea of where to start if they’re just beginning the home purchase process. Pre-approval is for those more serious in their home buying journey and requires a detailed review of income, assets and debts. It also can impact the buyer’s credit score as a “hard credit inquiry” is done to give the lender more information. Getting pre-approved PRE-APPROVED VS. PRE-QUALIFIED

can help buyers in a competitive housing market as it shows sellers there is a proper financial backing behind an offer. Confirm with your mortgage professional or lender to see which option is best for you in your current home purchasing journey.

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