That morning I realized our pre-approval was not a lock

https://pleasant-pixie-deb.notion.site/At-10pm-I-scribbled-equity-numbers-for-our-Brampton-basement-reno-while-on-the-phone-with-a-broker-w-36e4367edb4880aa9b01ccc8ac86ea12

That morning I realized our pre-approval was not a lock, and a broker's checklist of documents proved the difference between soft and hard approvals.