When a client comes to me to get pre-approved for a mortgage we gather their information and do a free mortgage consultation with them to determine their wants and needs to make sure that they are comfortable with their ability to repay the mortgage they are getting on their new home. If the borrower is a first time home buyer we take them through a longer strategy for them to understand more about home ownership. That way they are better prepared when they find that home that they want to create memories in.