First Time Home Buyers

If you are considering purchasing your first property, we can provide a seamless transition from renting to owning. Our expertise in handling financial details will ensure a quick and smooth process in finding the perfect property for you.

Our approach is focused on educating you about the homebuying process and providing clear next steps. Our online application is easy to use and will accurately kick-start the process for you.

We provide tools and guidance to streamline the submission of documents, making the process more efficient. We also offer detailed assessments to help you with budget planning, including factors such as closing costs and adjustment costs.

Additionally, we can assist you in understanding how homebuyer incentive programs work. We can help you determine how much down payment you need, how much you can afford to buy, and what your monthly payments will be.

Our goal is to design a mortgage product that is tailored to your needs. We can set you up with a mortgage pre-approval and secure the best rate for you.

In addition to working with your bank, we have access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This means that even if you don't qualify at your bank, we can still submit your application to other lenders.

Our services also include access to the most innovative tools in Canada. These tools help reduce errors, improve efficiencies, and ultimately save you time during the homebuying process.

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The first step in the mortgage process is to get pre-approved. This is an important step because it can save you time and help determine the purchase price you can afford. By getting pre-approved, you can start looking for your dream home with confidence, knowing that you have a clear idea of how much you can borrow from a lender.

Once you have been pre-approved, I will go one step further to figure out the exact amount of money you can borrow from a lender. This will be determined based on factors such as your income, credit score, and debt-to-income ratio. With this information, I will design a custom-tailored mortgage product that suits your specific needs. Whether you are looking for a fixed-rate mortgage or an adjustable-rate mortgage, I will help you find the right product for you.

In addition to helping you find the right mortgage product, I will also work to lock in the best rate for you. This means that once you have chosen a mortgage product, I will ensure that you receive the most favorable interest rate available. This is important because it provides rate assurance, meaning that your interest rate will not change during the mortgage process. This can provide peace of mind and help you budget for your monthly mortgage payments.

By going through the pre-approval process and locking in your rate, you can shop for properties confidently. With a pre-approval in hand, you can make offers on homes knowing that you have the financial backing to complete the purchase. This can give you a competitive edge in a competitive housing market, as sellers will view your offer as more serious and reliable than offers from buyers who have not been pre-approved.

Overall, the fast pre-approval process is designed to speed up the approval process and streamline your homebuying journey. By getting pre-approved and locking in your rate, you can enjoy the benefits of rate assurance and confidently shop for properties that fit your budget.

Get in Touch

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

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