START YOUR HOME BUYING JOURNEY HERE

The first step in the home buying process is to find out what your max budget will be for home price. Don't fall in love with a home first and then find out that you can't buy it! Our mortgage payment analysis and mortgage pre-approval will let you know your specific buying power. We start by asking what you want. What payment could you feel comfortable with when you sleep at night? From there we can determine your price range. Your pre-approval is totally unique to you - your credit scores, your down payment and your debt-to-income. When you start shopping with your Realtor, we want you to fall in love with the home that fits you and have peace of mind that you can afford it. Click on the MORTGAGE PREAPPROVAL PLANNING button below to start the process.

Unlike most other lenders, we will provide extra effort to give our clients financial peace of mind about their new home and new mortgage payment. At the same time as we do your home payment analysis and mortgage pre-approval, we will also work with you to find what we call "hidden money." Our goal is to help you find any areas where you may be unknowingly over spending, like insurances or taxes. ALL of your finances need to work together! Please take a few minutes to click on the BUDGET REVIEW & FINANCIAL PLAN button below to watch our "Financial House" video. There is no additional cost for this comprehensive customised plan.

What if you don't get pre-approved for the mortgage loan amount that you need to buy the kind of home that need or want? The reason you can't be pre-approved for a higher loan amount is that your current monthly debt obligations take up to much of your monthly income - making your debt-to-income ratio is too high. When this happens, we will provide a specific written debt-to-income improvement plan showing you the most efficient way to eliminate payments. This is NOT a credit repair program, but it will also help improve credit scores. There is no additional cost for this customised plan.  

Prior to settlement, we will help you secure a home insurance policy. The most important thing is that you get the correct coverage for your new property. We'll make this step very easy with a company that can shop 55 national and regional carriers. They will also see if they can save you money before settlement by bundling your home and auto coverage. It doesn't happen every time, but we have had many clients lower their auto prices just before settlement as part of this process.  

After settlement, we will help you make sure that your family has a mortgage pay off program in case an income provider dies, leaving the family to pay the mortgage and other obligations on one income (or even worse no income for a stay at home parent). Please take a few minutes to click on the MORTGAGE PAY OFF INSURANCE button below to watch a short video that explains income and mortgage protection. 

After settlement, we will help you make sure that your family has a living benefits program that can pay your mortgage payment if an income provider has a chronic illness, critical illness or terminal illness and can no longer work. Please take a few minutes to click on the MORTGAGE DISABILITY INSURANCE button below to watch a short video that explains living benefits protection.

After settlement, we will provide a written plan designed to pay off your mortgage faster and reduce the actual amount of interest paid using the same monthly amount budgeted for all debt payments. This strategy can help you save thousands of dollars over the life of your mortgage and cut years from your debt freedom date. There is no additional cost for this customised plan.

After settlement, we will provide a written plan designed to grow your equity faster using the same monthly amount budgeted for all debt payments. This strategy can help you buy a move up home, buy an investment property or even retire earlier. There is no additional cost for this customised plan.