First Time Home Buyers

Are you considering purchasing your first property? We can make the transition from renting to owning a seamless process for you. Our team of financial experts will handle the details, allowing you to quickly find the perfect property.

We take an education-focused approach, providing you with clear next steps and an easy-to-use online application to kick-start the process accurately. Our tools and guidance streamline document submission, making it convenient for you. We also offer detailed assessments that aid in budget planning and help you understand the associated costs, such as closing costs and adjustment costs.

Furthermore, we can provide you with information on homebuyer incentive programs. We will explain how these programs work and assist you in determining how much down payment you need, how much you can afford to buy, and what your monthly payments will be.

To ensure that your mortgage needs are met, we will design a custom-tailored product just for you. Additionally, we will set you up with a mortgage pre-approval and lock in the best rate available.

Even if you don't qualify at your bank, we have access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. We can submit your application to other lenders in order to find the best fit for you.

Lastly, we provide you with access to the most innovative tools in Canada. These tools are designed to reduce errors, improve efficiencies, and ultimately save you time throughout the home buying process.

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The first step to obtaining a mortgage is getting pre-approved, which is an essential tool that can save you time and help in determining the purchase price of your dream home. By getting pre-approved, you will have a clear idea of how much money you can borrow from a lender, allowing you to plan and budget effectively. This pre-approval process also gives you the advantage of being able to lock in the best interest rate, providing you with rate assurance.

Once you have gone through the pre-approval process, you can confidently start looking for properties to purchase. Knowing your budget and having a pre-approval letter in hand gives you the advantage of being able to negotiate better deals with sellers. It also speeds up the approval process, allowing you to shop for properties with confidence.

Obtaining pre-approval involves submitting your financial information to a lender, who will then assess your creditworthiness and provide you with an estimate of how much money you can borrow. This involves factors such as your income, credit score, employment history, and outstanding debts. The lender will use this information to determine the maximum amount they are willing to lend you.

Additionally, once you have been pre-approved, you can work with a lender to design a custom-tailored mortgage product that suits your specific needs. This could include options such as adjustable or fixed interest rates, interest-only payments, or a specific term length. By working closely with a lender, you can ensure that your mortgage fits your financial goals and preferences.

In conclusion, obtaining pre-approval is a crucial step in the mortgage process. It not only helps you determine your budget and lock in the best interest rate but also speeds up the approval process and allows you to shop for properties with confidence. Taking the time to get pre-approved will save you time and stress in the long run, while also giving you the peace of mind that you are making informed, financially sound decisions.

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

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