Financing

Helping You With Your Home Purchase

Once you’ve decided it’s time to buy a home, organizing your finances is the critical first step:

• Getting a pre-approval for a mortgage gives you the comfort of knowing that your interest rate won’t change (for a set time period), how much your monthly payments will be and best of all what home price you can afford. I work with some great finance people, ask me to get you connected.
• Consider the one-time costs associated with a home purchase: down payment, legal fees, land transfer tax, mortgage insurance fee (CMHC, Genworth), inspection fees, taxes and moving expenses. I suggest you speak with your mortgage broker and Realtor to get a good grasp of these costs.
• Understand ongoing monthly costs including: mortgage payments, insurance, utilities, property taxes, maintenance and condo fees.
• If this isn’t your first home: take into account the equity you may have in your current home and the applicable mortgage options available for your next move.
• Once we have a conditional purchase it is very important to understand the conditions of your pre-approval (if any) before fulfilling your financing condition.

• “Thanks for all your help and patience. It would not have went so smoothly if it wasn’t for you. Thanks again”Julie
• I recently engaged Stef as a Real Estate Agent for the sale of my garden home and the purchase of our new house. Stefanie went far beyond the norm to ensure that the purchase and sale went through on time despite some challenges which presented themselves along the way. She is very personable and knowledgeable ...Read MoreBob, 2012
• My husband and I were first-time home-buyers who didn’t have a clue how the house-buying process worked. Stef educated us and quickly helped us along through the entire process. When we found “our house,” she went above and beyond to ensure a quick negotiation and closing process and now, three months into living in our ...Read More~E. MacDuff + G. Baker, 2013
• Testimonials