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Mortgage Pre-approvals give buyers confidence to generate offers knowing they're able to secure financing. Mortgage default happens after missing multiple payments and failing to remedy arrears. Mortgage Commitments secure financing terms enabling buyers navigate competitive purchase situations strengthened knowing pre-approved amount awaits application upon mutual sale acceptance between parties. Mortgage fraud like inflated income or assets to qualify can result in criminal charges or foreclosure. The Home Buyer's Plan allows withdrawing around $35,000 tax-free from an RRSP for any first home purchase.
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