Buying a Home

1. The Decision

Buying a home is a big step in your life. Finding the right home and the right mortgage to suit your needs can be complex. Where do you start?

2. Contact Us

Finding the right professional to guide you through the home buying process is a smart step. We are happy to meet with you at a convenient time to discuss your needs and create a plan of action. 

3. Pre-Qualification

We review your situation, ask for necessary information, check your credit rating and determine the mortgage and payment amount that you can afford.

4. Coming Up With a Down Payment

We discuss your down payment options, explain what you can use for a down payment and how to use government programs if you don’t have the full amount saved.

5. Choosing your Mortgage

We discuss fixed versus variable rate, review your long and short-term goals, and help determine the best possible mortgage option for you.

6. Shopping for your Home

Now it is time to shop for your new home. We will help you narrow down your search options and weed out properties that might look good on paper but do not fit the bill long term.

7. Making an Offer

Now that you have found a home that meets your needs, the next step is to make an Offer to Purchase. A professional relator will help you to place an offer and negotiate a good price.

8. Getting Approval

Once you have finalized an offer on a new home, we can then receive a final mortgage approval, waive remaining conditions and forward all documents to the lawyer.

9. Closing Day

On closing, you will need to provide your lawyer with a certified cheque to them “In trust” to cover the down payment, as well as the other closing costs.

10. Moving Day

Finally, you are now a happy homeowner. As soon as you are done moving in, take some time to settle into the new place and meet your new neighbours.

11. Tell Your Friends!

Not only you can brag to your friends about your new home, you can also brag about how easy and painless your home buying process was. If you were satisfied with your experience working with us, share our info with friends and family and we will be happy to assist them in their home buying process.