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 Knowing your why is the most important driver informing the home buying process. 

Determine your budget - What do you want to spend monthly, and how much do you have for a down payment?

 Before you start house hunting, it’s essential to get pre-qualified for a mortgage. This helps you understand how much you can afford and streamlines the homebuying process. 

 Closing costs are the fees you will pay in addition to your down payment when purchasing a home. These costs cover essential services and administrative expenses required to finalize your home purchase. 

There are several types of lenders to consider. Each offers different advantages based on your needs.

Pre-approval is a crucial step in the home-buying process. It provides a clear understanding of what you can afford, strengthens your offer, and speeds up the closing process.

Not all loans are created equal. Understanding the different loan types, costs, and interest rates will help you choose the best financing option for your needs.  

Learn the Do's and Don'ts of home shopping and what decisions need to be made when writing an offer. 

After your offer is accepted there is a lot of upfront work to do.  Learn more about the next steps. 

Your mortgage broker will guide you through the loan

application process and help you determine which

documents apply to your situation.

When you submit your loan application, you will submit several supporting documents with it.  The lender's formal review of these documents is called the underwriting process.  

 Your purchase agreement will indicate the appraisal process; if you have an appraisal contingency, you will have decided that your offer is contingent on the home appraising for the offered purchase price or a price agreed upon by all parties.  

Once all your lender's outstanding conditions have been approved, you will be cleared for closing, often referred to as CTC, Cleared to Close. 

 There are many things to consider when making a move, like setting up utilities and updating your address with all necessary parties, having your mail forwarded to your new address, home repairs, maintenance, insurance and most importantly, knowing when your first payment is due and how to make the payment .