Buying a home is one of the biggest financial decisions you’ll ever make.   Whether you’re a first-time homebuyer in Barrie or upgrading your property in Simcoe County, getting  pre-approved for a mortgage   is a smart first move. Pre-approval gives you a clear budget, boosts your confidence when house hunting, and shows sellers you’re a serious buyer.   At  Expert Mortgage , we help clients across Barrie and Simcoe County navigate the mortgage process with ease. Here’s a step-by-step guide on how to get pre-approved for a home loan in Ontario.    Step 1: Check Your Credit Score Before applying for a mortgage pre-approval, it’s essential to know where you stand financially. Your  credit score  is one of the key factors lenders consider when determining your eligibility for a home loan.   Tips: Obtain a free credit report from Equifax or TransUnion. Review for errors or outstanding debts. Aim for a score of  680 or higher ...