First Time Home Buyers

Mortgage Renewals

Overwhelming, isn’t it? All that information out there – so where do you start?

‘Can I afford it?’ and ‘will I get approved?’ are the most common concerns. Knowing your monthly commitment is critical, and talking it through will help set your mind at ease.

If you’re just surfing MLS and want a rough idea of how much you can qualify for; from your monthly household (combined) income, 32% is the most you want to dedicate to household expenses including mortgage.

Have a bit of other debt, maybe a student loan, or a couple of credit cards? I will look at all the scenarios and offer you a plan to maximize your mortgage budget – isn’t that what we all want? The most house for the least money?

Relax. I’ll walk you through from the very beginning. No matter how long the process takes – some clients call a year ahead of their projected purchase date, just to get on track and work up their budget to closing day. That’s a great strategy, and I highly recommend getting a jump on things.

If you’re just starting out in life as a professional/homeowner/family, etc., ensure that you create and maintain lifelong relationships with finance professionals who will be there every step of the way. Don’t be intimated to call and chat. I encourage your early questions.

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Did you know:

45% of first time buyers and 33% of repeat buyers use a mortgage broker for their mortgage needs.

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