Know Your Budget
We review income, debts, credit, down payment, property taxes, heating costs, and other expenses to estimate what may fit your situation.
First home guidance
First-Time Home Buyers
Buying your first home is exciting, but the mortgage process can feel complicated. I help you understand your budget, down payment, qualification, closing costs, and lender options before you make an offer.
What to consider
Clear guidance for your situation
Every mortgage application is different. These are the main areas we review when building your plan.
Plan Your Down Payment
We explain common down payment sources, account-history requirements, and the funds you may need beyond the purchase deposit.
Understand the Mortgage
You receive a clear explanation of rates, terms, amortization, prepayment options, conditions, and estimated payments.
The process
From first conversation to closing
I keep the process organized and explain what is needed at each stage.
Discovery
Discuss your goals, timeline, income, debts, credit, and available funds.
Pre-Approval Review
Estimate affordability and review suitable qualification options.
Property Offer
Update the file with the property details and purchase agreement.
Approval & Closing
Complete lender conditions and coordinate the remaining closing steps.
Common documents
Documents you may need
The exact document list depends on the lender, insurer, borrower, and property.
- Government-issued identification
- Recent employment letter and pay stubs
- T4s and Notices of Assessment, when required
- Bank statements showing down payment and closing costs
- Purchase agreement and property details
- Additional documents requested by the lender or insurer
Information on this page is general and does not guarantee approval. Mortgage approval is subject to lender and insurer requirements, credit review, income verification, property review, and supporting documentation.
Ready to discuss your mortgage?
Book a free consultation and get clear next steps based on your situation.