33
$144,900
$119/sqft
3 bd · 2 ba · 1,216 sqft
#53, 9203 82 Street
Fort St. John · Single Family
Listed by Century 21 Energy RealtyMLS® R3173990
Pre-approval · Fort St. John
What does a mortgage pre-approval in Fort St. John ask for?
At the $375,000 median asking price, you need $18,750 down. A lender tests a payment of $2,384 a month.
- Minimum down
- $18,750
- Monthly payment a lender tests
- $2,384
- Implied household income
- $73,354
Affordability estimate · 1 of 3
What is your household income before tax?
- Minimum down
- $18,750
- Monthly payment a lender tests
- $2,384
- Implied household income
- $73,354
What a Fort St. John buyer needs
At $375,000, the minimum down payment is $18,750 and twenty percent is $75,000. Lenders test the payment at the qualifying rate of 6.49%, not the illustrative 4.49%. That is $2,384 a month over 25 years, which needs a household income near $73,354. The Fort St. John census median is $102,000, about $28,646 above the figure the payment implies.
Homes up to $1,500,000 can carry mortgage default insurance, which allows the $18,750 minimum.
Minimum down payment on a Fort St. John home
| Figure | Amount |
|---|---|
| Median asking price | $375,000 |
| Minimum down payment | $18,750 |
| Twenty percent down | $75,000 |
| Mortgage default insurance | Available at the median price |
| Qualifying payment at 6.49% | $2,384 per month |
The qualifying payment uses an illustrative rate, not a quote.
What a lender checks first
- Income you can document. Pay stubs, a letter of employment, and two years of Notices of Assessment. Self-employed files need two years of T1 Generals.
- Debt you already carry. Balances, minimum payments, and limits, including the limit on a card you never use.
- A down payment with ninety days of history. Any large deposit inside that window needs a paper trail, and a gift needs a signed letter.
- Credit. A hard check, read alongside how long your history runs.
The full document list is on how to get pre-approved for a mortgage in BC.
Homes on the market in Fort St. John
Active listings in Fort St. John
229 active listings
35
$239,900
$223/sqft
3 bd · 1 ba · 1,075 sqft
9961 HOLLY Street
Fort St. John · Single Family
Listed by Century 21 Energy RealtyMLS® R3173908
2
$90,000
11474 POPLAR Road
Fort St. John · Vacant Land
Listed by RE/MAX Action Realty IncMLS® R3173536
15
$209,000
$212/sqft
2 bd · 1 ba · 988 sqft
#2, 10223 98 Avenue
Fort St. John · Single Family
Listed by Century 21 Energy RealtyMLS® R3159562
33
$339,900
$147/sqft
7 bd · 3 ba · 2,320 sqft
8812 87 Street
Fort St. John · Single Family
Listed by RE/MAX Action Realty IncMLS® R3132178
37
$695,000
$231/sqft
5 bd · 3 ba · 3,004 sqft
11203 112 Avenue
Fort St. John · Single Family
Listed by Century 21 Energy RealtyMLS® R3129819
40
$390,000
$168/sqft
4 bd · 3 ba · 2,320 sqft
8211 96 Avenue
Fort St. John · Single Family
Listed by Izon RealtyMLS® R3171541
19
$399,900
$195/sqft
4 bd · 4 ba · 2,054 sqft
8618 74 Street
Fort St. John · Single Family
Listed by RE/MAX Action Realty IncMLS® R3174091
31
$98,000
$106/sqft
2 bd · 2 ba · 924 sqft
#23, 8420 ALASKA Road
Fort St. John · Single Family
Listed by Century 21 Energy RealtyMLS® R3173568
40
$469,900
$181/sqft
2 bd · 2 ba · 2,595 sqft
1016 240 Road
Fort St. John · Single Family
Listed by Century 21 Energy RealtyMLS® R3130115
16
$339,900
$198/sqft
3 bd · 2 ba · 1,720 sqft
8615 77 Street
Fort St. John · Single Family
Listed by Century 21 Energy RealtyMLS® R3155789
25
$325,000
$389/sqft
3 bd · 2 ba · 836 sqft
9203 104 Avenue
Fort St. John · Single Family
Listed by Izon RealtyMLS® R3169745
NOTE: This representation is based in whole or in part on data generated by the Chilliwack & District Real Estate Board, Fraser Valley Real Estate Board or Real Estate Board of Greater Vancouver which assumes no responsibility for its accuracy. The information contained on this site is based in whole or in part on information that is provided by members of The Canadian Real Estate Association (CREA), who are responsible for its accuracy. CREA reproduces and distributes this information as a service for its members and assumes no responsibility for its accuracy. MLS®, Multiple Listing Service®, and REALTOR® are trademarks of the Canadian Real Estate Association (CREA).
Pre-approval in cities near Fort St. John
Mortgage pre-approval in Surrey
$999,999 median asking price
Mortgage pre-approval in Vancouver
$1,379,500 median asking price
Mortgage pre-approval in Burnaby
$859,950 median asking price
Mortgage pre-approval in Richmond
$1,004,800 median asking price
Mortgage pre-approval in Kelowna
$789,450 median asking price
Mortgage pre-approval in Langley
$959,900 median asking price
Mortgage pre-approval in Abbotsford
$799,900 median asking price
Mortgage pre-approval in Coquitlam
$956,450 median asking price
Pre-approval questions in Fort St. John
At the $375,000 median, the minimum is $18,750 and twenty percent is $75,000. Homes up to $1,500,000 can carry mortgage default insurance, which allows the $18,750 minimum.
No. Final approval also depends on the property.
Yes. It is based on you, not a home, so it works anywhere in BC.
Related pages
Prepared by
Written and maintained by Ray Rasouli, REALTOR®, licensed in British Columbia and founder of Relta Real Estate.
Data
Source: MLS® listing data from BC real estate boards (MLS® Reciprocity) and CREA's DDF®.
NOTE: This representation is based in whole or in part on data generated by the Chilliwack & District Real Estate Board, Fraser Valley Real Estate Board or Real Estate Board of Greater Vancouver which assumes no responsibility for its accuracy. The information contained on this site is based in whole or in part on information that is provided by members of The Canadian Real Estate Association (CREA), who are responsible for its accuracy. CREA reproduces and distributes this information as a service for its members and assumes no responsibility for its accuracy. MLS®, Multiple Listing Service®, and REALTOR® are trademarks of the Canadian Real Estate Association (CREA).
CorrectionsReport a correction
Payments use an illustrative rate over 25 years and the federal qualifying rate. Not a quote or an offer of credit. Ray Rasouli is a licensed REALTOR® and is not a mortgage broker or a lender. Nothing on this page is financial advice, a rate quote, or an offer of credit.