First Time Home Buyers

Buying a home for the first time can often be an intimidating and overwhelming adventure. What are the steps to making this purchase? How much can I borrow? What are my payments? What are all these new terms like 'interest adjustment date' mean?

Patience and expert advice is what the majority of First Time Home Buyers require. Taking out a mortgage is not as generic as most people believe. There is a multitude of mortgage options offered from an array of lenders. Customizing the right mortgage to fit your needs and goals is the ultimate objective. We will spend the time required to achieve this. Everyone on our staff is an experienced Mortgage Specialist committed to obtaining the right mortgage for you, and dedicated to making the entire buying process easier.

Developed in consultation with our past clients, our exclusive 'First Time Home Buyers' kit is available at no cost. We believe that you will find it both informative and useful. To receive your own free copy, please contact our office.

Pre-Approved Mortgage

A pre-approved mortgage is an ideal method in which to arrange financing, prior to shopping for that dream house.

Why a pre-approved mortgage?

By arranging the financing in advance, it allows you to look for that new home with confidence. It takes the guesswork out of mortgage financing. You will know exactly what you can afford. In addition, most pre-approved mortgages come with a rate guarantee for a specified period, usually between 90-120 days. This means that should the interest rates rise while you are looking, you are protected from the increase as long as you make the purchase prior to the expiry of the rate guarantee period.

How to arrange a pre-approved mortgage?

It is a very simple process. You can fill out our online application or contact one of our experienced Mortgage Specialists. In either case, we will calculate what you are able to borrow and negotiate the best rate available for you. After this is done, the lender outlining their commitment and terms of the mortgage will issue a pre-approved certificate to you. It is that easy!

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