
Attention First Time Home Buyers!
Ready to embark on the home buying journey? Here's a little sneak peak into what we can help with and what the process looks like for you!
Mortgage Approval
We help set you up with the right professionals to make sure you get the best rate possible and the most guidance to ensure a seamless and stress free process.
Renovation/Trades Referrals
We have a vetted list of suppliers who can help with projects big or small. Whether it's a home inspector or a foundation expert, we've got you covered.
Closing Coordination and Post Purchase Support
We facilitate communication between all parties involved in the closing process, including buyers, sellers, lenders, and attorneys. We also offer resources and recommendations for home maintenance, utilities setup, and connecting with local service providers.
Lawyer Referrals
Most people don't have a real estate lawyer in their back pocket. Thankfully we work with numerous incredible lawyers who will help guide you and make sure there's no hiccups throughout the journye.
Market Education
Trying to figure out when it's the best time to buy? We're active in the market every day and keep an eye on how things are trending to help you make the right moves at the right time.
Negotiaion and Contract Support
We help buyers craft competitive offers and negotiate favourable terms with sellers, ensuring they get the best value for their investment. We'll explain the intricacies of purchase contracts, conditions, and legal obligations to ensure buyers understand and feel confident in the agreements they're making.
First Time Home Buyer Roadmap
Step 1: Mortgage Pre Approval
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Mortgage Application
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Document Review
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Proof of Down payment
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Deposit and Closing Costs
Step 3: Offer Accepted
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Deposit is given at this time (usually 5% of purchase price)
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Possible home inspection and appraisal
Step 5: Mortgage Document Collection
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HBP Redemption form
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Gift Letter (if applicable)
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Updated Letter of Employment & Paystubs
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Bank Statements
Step 7: Home Insurance/Utility Set Up
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Home insurance secured or updated
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Utilities set up for closing day
Step 9: Closing Day
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Keys exchanged
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Locks changed
Step 2: House Hunting
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House Type and Ideal Neighbourhood selection
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Deal breaker/must haves list created
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Online search created
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House Touring commences
Step 4: Approval
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Approval based on Pre-Approval
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Lawyer contacted
Step 6: Signing Meeting
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Commitment review
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Title Insurance discussed
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Mortgage Life Insurance
Step 8: Lawyer Meeting
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Usually a few days prior to closing
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Property taxes paid/reviewed
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Closing costs paid/remainder of down payment
Step 10: Congratulations
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Time to start unpacking
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Mortgage payment begins
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Enjoy your new home!