Let me help you make an informed decision |
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| Buying a home is one of the biggest financial decisions you will make, so it pays to make an informed decision. I will assist you with the entire home buying process from the moment you decide to buy your home to the moment you move into your new home! |
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| Why work with me? |
I will assist you in the home buying process by: - explaining the various mortgage products available to you and provide you advice on the product best suited for your financial circumstances;
- advising you on the documentation you must provide to obtain a mortgage approval;
- customizing your mortgage options to make sure your mortgage works for you; and
- explaining all the costs that exist over and above your down payment.
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Put together your
home buying team |
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| It helps to organize your home buying team of professionals to assist you with the process at the start. Your home buying team includes myself, your Realtor, a home inspector, a lawyer or notary and an insurance agent! |
KEY POINTS TO CONSIDER: Here are several key points to keep in mind as you start the home-buying process and how working with a mortgage broker can help you. Keep in mind, in most instances, my services are no cost to you with no risk and obligation. - Know what you can afford
- Get a rate guarantee of up to four months
- Ensure all credit approval documentation are in place sooner than later including documentation required for different income types i.e. salaried vs. self-employed
- Open vs. closed mortgage, fixed rate vs. variable rate mortgage
- Conventional vs. high-ratio mortgage
- Length of repayment (amortization) - up to 30 yrs
- Your mortgage term – from 6 months to 10 years
- Other costs you need to consider such as legal fees, land transfer tax, survey, title insurance, fire insurance, home inspection and HST
Overwhelmed? Let's chat and I will clarify each one of these points for you! |
| Let me help you finance your home |
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| If you're unsure of what your next step should be, let's talk. Together we can review your options and create a mortgage financing plan that works for you. |