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Welcome to the world of home buying!



As a first-time homebuyer, the fast-paced real estate environment can be intimidating. Let my team and I help you navigate the intricacies of real estate financing. I'm here to support you every step of the way! Be curious, ask lots of questions, and let's get started on your journey to homeownership!

The Homebuying Process


Get Pre-Approved (Mortgage Broker)

A pre-approval is a preliminary assessment by a bank, that let's the homebuyer know an approximation on how much they can afford based on credit, income, liabilities, down payment, and numerous other factor. This first step is essential as it let's the borrower know how much they can afford, hold interest rate for 120 days, and increases credibility when submitting an offer.


House Hunting (Realtor)

Now that you've been pre-approved, you'll have a pretty accurate budget in mind. Go shopping with your realtor, visit open houses, and submit an offer whenever you find a place you love! Remember, finding your dream home is a journey – some clients take months, even years, and that's perfectly normal!


Accepted Offer? Time to get approved! (Mortgage Broker)

Congratulations on your accepted offer! This will likely be the busiest week of the home buying journey. Your broker will ask you to submit income docs, gather any other necessary documentation, and review and sign your mortgage approval papers.


Subject Removal/Inspection/Deposit (Realtor/Broker/Inspector)

The term "subjects" refers to conditions or contingencies outlined in an offer to purchase a property. These conditions are inserted to protect the interests of the buyer and may include various elements such as home inspections or financing approval. During this timeframe, it's important to do the necessary steps asap such as a home inspection, getting mortgage approved, and sourcing your deposit for your home.


Finalizing your new home purchase (Notary or Lawyer)

Usually a few days prior to closing, your solicitor (Lawyer or notary) will organize a meeting with you. The solicitor ensures a smooth and legally sound transfer of ownership.


Closing Day!

Congratulations on your first home! This is the big day where money gets exchanged behind the scenes and you're transferred title (ownership).

Benefits of a Mortgage Broker

Utilizing a mortgage broker like myself, offers numerous advantages in the complex landscape of real estate financing. A mortgage broker acts as an intermediary between borrowers and lenders, leveraging our expertise to secure the most favorable rates and terms for our clients. With access to a diverse network of over 50+ lenders, mortgage brokers can often source competitive interest rates and negotiate terms tailored to the borrower's unique financial situation. Our guidance streamlines the application process, saving time and reducing stress for homebuyers. Moreover, mortgage brokers provide invaluable insights, demystifying financial jargon and ensuring clients make informed decisions, making the home financing journey more accessible and rewarding. Most importantly, our services are free as we're paid by the banks!

Benefits of a Mortgage broker

Not sure where to start?

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FTHB Guide
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