MY COMMITMENT

I am committed to finding a home that fits your criteria, from budget, to location to style. I am dedicated to making sure you are paired with a home that works for you and/or your family. Not all available homes for sale may meet every one of your expectations, but I ensure that I will find a home that best suits you and your needs.

Getting Started

You’ve decided you want to buy a home. Now what? The first – and most important step to the home buying process is financing. You can’t do anything until you know how much you can afford. To get started, you need to understand what lenders are looking for from a borrower. There are three main factors that help determine if you qualify for home financing: income, assets, and credit history.

DIFFERENT TYPES OF MORTGAGES:

Getting a mortgage is one thing. Getting a mortgage that best suits your situation is another. Some mortgages have less strings attached but have more strict stipulations, while others may be harder to get, but have more flexibility. It is important to have all the information about mortgages available to you before you decide to move forward in the purchase of a home. Find out how I can help you find the mortgage that best suits you.

INCOME & ASSETS

Most loan programs require the lender to verify all of your income sources. Typically you will need to provide pay stubs, your T4 and copies of your tax returns. Lenders will also want to go through your assets and how much of a down payment you will have when determining your loan approval.

Credit History

All lenders review a borrower’s credit history to determine the type of credit used, the amount owed, and the borrower’s repayment history.