Vancouver mortgage expert Malcolm “Mac” Laird brings some clarity to the current mortgage application and approval process in this guest post.      

Pre-Approval vs. Rate Hold

There is always much confusion between the terms "Pre-Approval" and "Rate Hold".

A “Rate Hold” is just that, a hold on an interest rate for a period of time. It is NOT an approval for anything.

A "Pre-Approval" requ ...

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