Our Services
First-Time Home Buyers
Buying Your First Home with Confidence
Buying your first home doesn’t have to feel confusing or overwhelming. My role is to guide you through every step, explain what matters, and help you make decisions you can feel confident about — not just today, but years from now.
1Who is this for?
- First-time buyers unsure how much they can realistically afford
- Clients confused by down payments, incentives, and closing costs
- Buyers who want clarity before making offers
2Common Challenges
- Unclear affordability and stress-test rules
- Fear of being approved but overextended
- Conflicting advice from banks, friends, and online calculators
- Rushing into mortgage terms they don’t fully understand
How We Help You Win
Our Strategy
- Full affordability and stress-test analysis
- Clear explanation of lender rules in plain language
- Guidance on down payment sources and government programs
- Mortgage structures that protect future flexibility
Your Benefit
- Confidence before you write an offer
- Fewer surprises during approval and closing
- A mortgage aligned with your long-term goals
Frequently Asked Questions
Do I need 20% down to buy my first home?
No. Many first-time buyers purchase with less than 20% down, depending on income, credit, and property type.
How much should I budget beyond the down payment?
Closing costs typically range from 1.5%–3% of the purchase price.
Should I talk to a mortgage professional before house shopping?
Yes. Pre-approval gives you clarity, confidence, and negotiating power.