First Time Home Buyers

If you're thinking about buying your first property, we can help make the transition from renting to owning seamless and hassle-free. Our team of experts will handle all the financial details for you, ensuring that you can quickly find your perfect property.

Our approach is education-focused, meaning we will take the time to explain every step of the process to you and provide clear next steps. We have an easy-to-use online application that will kick-start the process accurately, saving you time and effort.

We understand that budget planning is crucial when it comes to buying a property, so we provide detailed assessments that will help you determine your associated costs, including closing costs and adjustment costs. We will also explain how homebuyer incentive programs work so that you can take advantage of any available benefits. Additionally, we will help you understand how much of a down payment you will need, what you can afford to buy, and what your monthly payments will be.

We believe in tailoring our mortgage products to meet your specific needs. We will design a custom-tailored product that fits your mortgage needs and set you up with a mortgage pre-approval. Our goal is to secure the best rate for you, and we have access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. Even if you don't qualify at your bank, we can submit your application to other lenders on your behalf.

Furthermore, we have access to the most innovative tools in Canada, which will help reduce errors, improve efficiencies, and save you time throughout the process. We understand that buying a property can be overwhelming, but with our guidance and tools, you can navigate the process confidently and successfully.

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One of the most important steps in the mortgage process is getting pre-approved. This involves meeting with a lender and providing all the necessary documents to determine how much money you can borrow. Pre-approval gives you a clear idea of your purchasing power and allows you to start looking for your dream home.

Once you have been pre-approved, you can then proceed to the next step, which is determining the purchase price. This involves considering your budget, your pre-approved loan amount, and any other financial factors that may come into play. By knowing your pre-approved amount, you can narrow down your search and focus on properties that fall within your price range.

Getting pre-approved also allows you to have a better understanding of the mortgage options available to you. A lender will review your financial information and design a mortgage product that suits your needs. This customized approach ensures that you are getting the best loan for your specific situation.

In addition to determining loan amounts and mortgage options, pre-approval also allows you to lock in your interest rate. This means that once you have been pre-approved and have found a property, you can secure your interest rate. This provides rate assurance, protecting you from any potential increases in interest rates during the home buying process.

By going through the pre-approval process, you can shop for properties confidently. You will have a clear budget in mind and can focus on finding a home that meets your needs and fits your financial situation. The fast pre-approval process speeds up the overall approval process, allowing you to move forward with your home search more quickly.

In summary, getting pre-approved for a mortgage is a crucial first step in the home buying process. It not only helps you determine your borrowing power and purchase price but also allows you to customize your mortgage product and lock in the best interest rate. With pre-approval in hand, you can approach the home search with confidence and make informed decisions.

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First time buyer or refinancing? Call for a free quote!

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