RAM mortgages PEI works with our clients to get pre-approved & will let you know what’s affordable based on lender & insurer criteria.

Ricky can lock-in an interest rate anywhere from 60 – 120 days while you shop for the perfect home. By locking in an interest rate, you’re guaranteed to get a mortgage at that rate or better. If interest rates drop, your locked-in rate will drop as well. However, if the interest rates go up, your locked-in interest rate will not, ensuring you get the best rate throughout the mortgage pre-approval process.

In order to get pre-approved for a mortgage, RAM Mortgages PEI requires a short list of information that will allow us to determine your buying power.  Ricky will explain the benefits of shorter vs longer mortgage terms, the latest programs available, which mortgage products are most likely meet your needs & finally  all of the costs involved with purchasing a home.

Getting pre-approved for a mortgage is something every potential home buyer should do before shopping for a new home. A pre-approval will give you the confidence of knowing what financing is available & it can put you in a very positive negotiation position against other home buyers who aren’t pre-approved.  Call/text Ricky MacFarlane today @ 902-314-2147 to secure your pre-approval.