Buying a Home?

We listen to what you need.  Then we get the right mortgage deal for you at the best possible rate.

Why you should use a mortgage professional to help arrange financing to purchase a home?  What’s wrong with just going to your bank?

Just as it is possible to buy a house with having a realtor working with you, it is possible to go directly to a bank to arrange a mortgage without a mortgage broker.

However, unless you are one of the relatively few Canadians who already has a comprehensive understanding of how mortgages work ,  it will be useful to have  impartial professional advice.  A mortgage broker may save you both time and money, but more importantly, he will almost always save you potential heartache and stress.

Working with a broker from the outset will improve the odds of getting exactly what you need from a lender and reduce the frustration and confusion of dealing with the lender's many demands.

While mortgage professionals are paid by the banks, in most cases, we are trained to determine the mortgage and lender based on what is best for you, the borrower.  Except in unusual cases, or for commercial mortgages, no matter where we place your business the lender will pay the broker’s fee.  And professional brokers will do their very best to find you a mortgage that will accomplish what you need it to.

    * Mortgages are more complicated than you might think.

    * Interest rates are only part of the issue.

    * There are more lenders than most people can imagine.

    * Just because you get turned down by one lender doesn’t mean that you won’t be able to get what you need from somewhere else.

Step-by-Step Guide to Buying a Home - provided by CMHC - take 15 minutes to see if you are really ready to purchase a home.

Steps to getting a mortgage to buy a house

   1. Talk to a mortgage professional about your goals, resources, and limitations. Put together a simple strategy to follow, so that you know in advance the steps you need to take to buy house as painlessly as possible.
   2. Apply for preapproval.  You mortgage professional will have you submit an application, either over the phone, online on the internet, or in person, either in your home or the office.
   3. Discuss the preapproved mortgage obtained with your mortgage professional.  Obtain a detailed list of documents you will need and information you will need to submit to the lender when you are ready to make a purchase.   Provide the mortgage professional with all of the information needed to complete the purchase financing, except for the details on the property.  Your broker will provide you a detailed list of anticipated requirements for the lender, so that once you have selected a property you want to buy, you are truly ready to make your, knowing that you are ready to satisfy any lender conditions prior to committing to a particular property.
   4. Shop with a realtor until you find a property that fits within your financial and other guidelines (as determined by your preapproved mortgage) as well as your other goals for the purchase.
   5. Make an Offer to Purchase, subject to financing final approval.
   6. Work with you mortgage professional to remove the financing subjects from your Offer to Purchase.
   7. Remove subjects.  Call the movers.

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