Understanding the Home Loan Process

1. Pre-Approval
   Get pre-approved with a lender or mortgage broker so you know your budget and strengthen your offers.
2. Budget & Monthly Payments
   We’ll review mortgage payments, taxes, insurance, utilities, and, if applicable, condo fees—so you know what’s comfortable long-term.
3. Choosing the Right Mortgage Product
   Explore options like fixed vs variable, term lengths, and special programs for first-time buyers or newcomers.
4. Offer & Conditions
   When we write an offer, we’ll consider financing conditions, timing, and deposit amounts in line with your approval.
5. Final Approval & Closing
   After an accepted offer, your lender finalizes approval and your lawyer coordinates everything for closing day.

Throughout this process, I work closely with your mortgage professional to keep everything on track.