1. Create Your Budget
With a dream home in mind, the first step is figuring out what you can comfortably afford each month. Meeting with a Mortgage Broker helps you understand your numbers and set a realistic plan.

2. Get Expert Guidance:
Having an experienced Mortgage Broker on your side gives you access to competitive rates and mortgage products — whether you’re looking for traditional options or something more flexible to match your lifestyle.

3. Secure a Pre-Approval
Pre-approval locks in your rate for up to 120 days, showing sellers you’re a serious buyer and giving you confidence in what price range to shop within.

4. Research Your Options
Working with a trusted real estate agent can help you explore neighborhoods, compare homes, and find the right fit for your needs and budget.

5. Make Your Offer
Once you’ve found the home you love, your agent will help draft and submit your offer. After acceptance, you’ll typically have about a week to complete inspections and confirm your financing.

6. Maximize Savings with a Larger Down Payment
If possible, consider a higher down payment. Even a little more upfront can reduce interest costs and save you thousands over the life of your mortgage.

7. Plan for Extra Costs
Remember to budget for closing costs, property taxes, home insurance, inspections, and land transfer fees. Your Mortgage Broker will walk you through these expenses so there are no surprises.

8. Finalize the Paperwork
A few days before closing, your lawyer will prepare the documents. You’ll review and sign, pay your down payment, and cover any final costs.

9. Welcome Home!
On closing day, the home officially becomes yours, and you get the keys to your new place. Congratulations — you’re a homeowner!