first home

1) Get independent advice on your financial options As independent mortgage brokers and mortgage agents, we’re not tied to any one lender or range of products. Our goal is to help you successfully finance your home or property. We’ll start by getting to know you and your homeownership goals. We’ll make a recommendation, drawing from […]

1) Determine how much you can afford Based on your down payment, income, existing debt, regular expenditures, and other key financial information, we can help you determine how much you can afford to pay every month and the price range that works within your budget. 2) Team up with a real estate agent Finding a […]

Buying a home is a somewhat complicated transaction that involves a number of professionals who all perform different functions during the purchase process. REALTOR® – A realtor will locate houses in your price range and in the areas where you want to live. The realtor will present your “offer to purchase” to the seller until […]

Looking for a home can be an intimidating task filled with many questions. What home do I buy and where? Who do I go to for help? And how do I know if I am making a good purchase? There’s no one “right way” to go about finding a home. But here are a few […]

The first thing any prospective homebuyer needs to do is determine whether they can afford to buy the home they want. Many people believe they have to save a large down payment. Thanks to mortgage insurance, there are various programs that enable homeownership with little or no down payment at all. A down payment of […]

OWNING YOUR OWN HOME IS AN EXCITING PROPOSITION. BUT BEFORE YOU CAN KNOW WHETHER HOMEOWNERSHIP IS RIGHT FOR YOU, IT’S IMPORTANT TO UNDERSTAND WHAT’S INVOLVED. The worst mistake you can make as a new homeowner is to buy a house that ends up over-extending you financially. The key is to make sure that you can […]

A credit report is a history of how consistently you pay your financial obligations and is created when you first borrow money or apply for credit and is built over time. Companies that lend or collect money or issue credit cards (banks, finance companies, credit unions, retailers, etc.) send credit reporting agencies specific and factual […]

Most Canadians at some time in their lives have probably asked themselves whether it is better to rent or buy a home. Purchasing a home is one of the biggest decisions most people ever make in their lives. Ultimately, it is a personal choice. But it helps to look at the pros and cons of […]