We specialize in providing assistance to newcomers in Canada who are looking to understand the Canadian real estate market and the associated costs. This includes providing information on closing costs and adjustment costs. Our goal is to help newcomers build equity in their own homes instead of paying rent, taking advantage of their employment and credit sources. We also offer assistance in finding the best mortgage rates and options for newcomers who are looking for higher loan amounts, with a minimum down payment of at least 20% saved. We can also provide more flexibility on the down payment, with the option to have as little as 5% down. We can explain homebuyer incentive programs and down payment assistance options that may be available. Additionally, we have access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, allowing us to design a customized mortgage product that fits your needs and locks in at the best rate. Even if you don't qualify at your bank due to limited credit or employment history, we can still assist you. We also offer innovative tools in Canada to ensure a smooth and efficient first-time home buying experience.