Buying your first home is an exciting period for any prospective first-time home buyer. However, very often the mortgage process is the least exciting part of the journey! We recognize this fact and work hard towards making the mortgage process as easy and painless as possible for first time home buyers. Since most first time home buyers do not know what to expect during the mortgage process, we start by giving all of our clients our exclusive “A Sleep Easy Guide to the Mortgage Process.” This essential guide is filled with valuable tips and helps get you prepared for the formidable mortgage process ahead.
Additionally, we educate our first-time home buyers on the vast number of government incentives and programs available to them. These include:
- Low down payment program (as low as 5%)
- First-time Home Buyers’ Tax Credit
- First-time Home Buyer Incentive
- RRSP Home Buyers’ Plan (HBP)
- Land transfer tax rebates
- HST new housing rebate
Part of our commitment to first time home buyers is to ensure they are making the correct decisions on their way to their Sleep Easy Mortgage. Since first time home buyers are generally more sensitive to changes in the real estate market or unexpected expenses, we take the time to inform first time home buyers on any potential implications of their mortgage from their chosen down payment amount, mortgage amortization period, payment schedule, and mortgage options such as portability. Before starting your journey, we encourage you to read our blog post on 5 Tips to a Sleep Easy Mortgage.
Our licensed mortgage professionals work for you – not the lenders – to ensure you receive the best rates and products available in today’s marketplace.