We specialize in helping newcomers to Canada navigate the real estate market and understand the various costs associated with buying a home, such as closing costs and adjustment costs. Our goal is to help you build equity instead of renting, taking advantage of your employment and credit sources. We can assist you in finding the best rates and mortgage options, especially if you are looking for higher loan amounts (over $1 million) and have saved at least a 20% down payment, or if you require more flexibility with a down payment as little as 5%. We will also explain the homebuyer incentive programs and down payment assistance options available to you. With access to a wide range of lenders, including banks, mortgage finance companies, credit unions, and alternative financers, we can offer you a customized mortgage product that fits your needs and locks in the best rate, even if you don't qualify at your bank due to limited credit or employment history. We also provide innovative tools to ensure an efficient first-time home buying experience.