Before you start viewing homes. A pre-approval tells you what you can actually spend, so you shop in the right price range and can move quickly when you find the house. Waiting until you have an accepted offer leaves you arranging financing against a deadline.
Other good times to call
- Your renewal letter arrives. It is a good time to compare before you sign what your lender sends.
- You are thinking about refinancing, for a renovation or to restructure debt.
- Your situation has changed. A new job, self-employment or a growing family.
What a broker does that a single bank does not
Jessica Williams, the mortgage broker Good Neighbours recommends in Aurora, works with a wide variety of lenders, so you get one comparison instead of meeting several banks yourself. She negotiates the rate on your behalf and handles the details.
What it costs
For most residential mortgages there is no direct fee to you. As her site explains, brokers are typically paid a finder's fee by the lender.
What to have ready
Based on her application: your employment details and annual income, bank balances and RRSPs, and a list of debts such as loans, credit cards and any existing mortgage. If you have found a home, add the property address and details.
What her clients say
Phil M. wrote in a Google review in December 2025:
Her communication, expertise, and genuine care made all the difference. She made a complicated process feel easy.
Behzad F. wrote: "What I appreciated most was her transparency and professionalism throughout the process."
Contact
Jessica Williams, AMPC, is a mortgage broker with TMG The Mortgage Group and works under the Capital Connection name. Call (905) 906-7783, or apply online at capitalconnection.me. She also offers a free mortgage checkup for homeowners. See their full profile for services, reviews and more answers.
Quick answers
Should I get pre-approved before looking at houses in Aurora?
Yes. A pre-approval sets your real budget before you start viewing.
Does a mortgage broker cost money?
For most residential mortgages, no direct fee. Brokers are typically paid a finder's fee by the lender.
Can a mortgage broker help with a renewal?
Yes. Jessica Williams helps with renewals and refinancing as well as new purchases.
