First Time Home Buyers

April 4th, 2020First Time Home Buyers

First Time Home Buyers

First time home buyers, you have come to the right place!

Is the thought of buying your first home stressful? If so, you are not alone. I am here to guide you through the process and make it as clear, straight forward and stress free as possible. I have helped hundreds of first time home buyers and can help you too.

You will be armed with all the information you need to make the best mortgage decision and know common challenges first time home buyers need to avoid. I have catered the entire mortgage process to be fun and friendly for you.

That way you can focus your attention on the most important task, finding your dream home.

 

Why use Andrew Thake to help you find a mortgage?

Good question! I have been helping first time home buyers in Ottawa with their mortgage needs for over 14 years and with that, have been around the mortgage block a few times.

From helping over 1600 clients find the best mortgage, I have a lot of valuable experience to share with you.

Plus, from my experience with working at Canada’s two largest banks, you get an inside scoop on how both sides work, a bank and a mortgage broker.

My services are at no cost to you and there is no contract to sign with me.

 

First time home buyers, I am here to help!

 

How can I help you?

I am here to help you with much more then negotiating a great rate on your mortgage.

Here are some other ways I am here to assist first time home buyers:

  • Introduce you to an amazing real estate agent, home inspector and real estate lawyer
  • Help determine the best mortgage amount and purchase price for your income, budget and comfort level
  • Walk you though the bank’s mortgage contract line by line to protect you against any surprises or hidden fine print
  • Warn you about any restrictions with a mortgage that may cause you challenges in the future
  • Add a protective layer between you and the lender
  • Be there for the life of the mortgage to provide any assistance you may need
  • Take extra time upfront to coach and educate you so you feel as confident as possible about getting a mortgage
  • See if there are options in the future for you to by a rental property if interested
  • Be there at every renewal to ensure you get the best mortgage renewal rate possible
  • Help assure that when you make an offer on a property all goes smoothly with the financing
  • Take the extra time upfront so you feel as confident as possible about getting a mortgage
  • Review your documents upfront to provide you with the most accurate pre approval possible
  • Offer you extended hours of service
  • I am just an email, text or call away to answer all your mortgage questions. First time home buyers, there are no stupid questions in my books.

If you like details, here are more reasons to use a mortgage broker.

 

So, where do we begin?

There are two main steps at this time and you get the pick the order of these steps which feels most comfortable for you.

Step one

Step one is to discover if you qualify for a mortgage and if yes, what is the maximum mortgage amount and purchase price is that you qualify for.

This process takes about 10 minutes with a no cost, no obligation, optional credit check pre approval review.

The pre approval review can be done over the phone or with a secure online application. That way you are ready to make an offer sooner.

Step two

Step two is to learn about the mortgage journey from start to finish.

During this review I will answer questions such as:

  • What are the steps of the process?
  • What is the difference between working with a bank and a mortgage broker
  • How does a mortgage broker get paid? Spoiler alert, my service is free to you for all traditional lending
  • When does the lender and rate get selected?
  • What documents do I have to provide?
  • What does a real estate lawyer do?
  • What does a real estate agent do?
  • Can I make an offer without a financing condition?
  • Will I need an appraisal?

 

Ready to begin?
Call me today at 613-699-2006

 

Let’s go!

First time home buyers, if you are ready to start your mortgage journey, contact me today.

Prefer to start the mortgage process online? Complete in a no cost, no obligation, no credit check secure online application today.