It should go without saying that without qualifying for a mortgage you're not going to get very far with your home search. The amount you qualify for will depend on your monthly income, credit score, downpayment amount saved, current debts (thinking about taking on that new boat payment? Maybe think again!) , and other factors.
Where should I go to get my mortgage? Well of course wherever you bank will be happy to help and it is usually most peoples first reaction to go there. STOP! This almost guarantees you will not get the best rate. The best results are typically found using an independant mortgage broker. They have access to a large network of lenders that can get you the best terms and conditions. Self Employed? You can almost forget about the person behind the counter at the bank being able to sort your income out. Get the banks competing for your business!
We have a great network of mortgage brokers that our clients have loved to work with ready to talk with you in our Preferred Partners section. Tell them we sent you!