Thinking about buying your first property?
Buying a home is one of the biggest financial and lifestyle decisions you will make, so it pays to make an informed and educated decision. I specialize in working with first-time home buyers, and over the last 10 years, I have helped hundreds of clients purchase their first home, next home, refinance, and renew!
I will help you with the entire home buying decision and process -- from the moment you're thinking about buying to the moment the movers carry the first box through your front door!
You can expect professional guidance through the home buying process including the following:
- Understanding the mortgage products available and which one would best suit your financial circumstances and home ownership goals
- Knowing what documentation must be provided to obtain mortgage approval
- Customize your mortgage -- making sure your mortgage works for you
- Which costs exist over and above the down payment
- Organize your home buying team of professionals including: the Realtor, the Home Inspector, the Lawyer, and the Insurance Agent!
Some key points to consider:
- Knowing how much you qualify for
- Supporting documents required for credit approval
- Open vs closed mortgage
- Fixed vs variable rate
- Length of repayment (amortization)
- Short vs long term
- Insurable vs Conventional
- Assumability and Portability
- Payment frequency
- Pre-payment privileges and penalty calculations
- Other costs: legal fees, appraisal fees, title insurance, home/fire insurance, home inspection, utilities/hook-ups, property taxes
Overwhelmed? Don't be. We'll discuss all of the above so you can explore all your options and make an informed, educated decision.
Make sure you get pre approved first and lock in your rate!
Each mortgage application is different, and I'll help you figure out the numbers so you can stay focused on shopping for properties within your approved price range. You and your real estate agent will know exactly how much you can comfortably afford along with the assurance of a locked in rate - all at no cost to you!
Call or email today for the best rates, mortgage advice, and a FAST mortgage pre-approval!