- Check your credit. Know your score and fix any errors.
- Set your budget. Include closing costs and monthly expenses.
- Save your down payment. Look at your RRSP Home Buyers' Plan and FHSA options.
- Get pre-approved. Know your price range and hold a rate.
- Choose a realtor. Find someone who knows your target neighbourhoods.
- Shop for homes. Focus on needs first, then wants.
- Make an offer. Your realtor will guide you on conditions such as financing and inspection.
- Finalize your financing. Your mortgage agent submits the property for full approval.
- Hire a lawyer. They handle title, closing funds and paperwork.
- Close and get your keys!
Ready for step 1? Reach out and I'll walk you through the whole process.