Mortgage services
Buying a home
A clear mortgage plan makes buying feel calmer, easier, and more confident.
Whether you are buying your first home, moving up, downsizing, or purchasing a second property, a smooth purchase starts with a solid plan. We guide you step by step, starting with what you can comfortably afford and what your monthly costs could look like. We help you choose a mortgage that fits your goals, keep everything organized, and make sure you feel prepared for closing day.
What you will learn
- How affordability is calculated
- What happens from offer to closing
- How to choose a mortgage that fits your life
How it works
A clear plan from first call to closing
01.
A quick conversation about your goal, budget, and timeline
02.
A review of income, down payment, and monthly comfort level
03.
Mortgage options explained in plain language
04.
Pre approval or full approval setup, depending on timing
05.
Support through offer, conditions, and lender approval
06.
Closing checklist so nothing is missed
Documents you may need
Get organized early
We will confirm the exact list based on your situation.
- Photo ID
- Income documents based on employment type
- Down payment confirmation
- Recent statements for debts such as credit cards, loans, and car payments
Related services
Explore other mortgage options
Pre Approval
Know your price range before you tour homes, so you can shop with confidence.
New Construction
Build with a plan that keeps financing simple and expectations clear.
Self Employed
We translate lender rules into a clear plan that fits how you actually earn.
Bruised Credit
A temporary setback does not have to stop your home plans.
Frequently asked questions
Answers to common questions
What is the difference between pre approval and approval
Pre approval is an early review that sets a budget range based on current information. Approval happens after a specific property is under contract and the lender has reviewed the full file and property details.
How much down payment do I need
Minimums depend on purchase price and property type. We will confirm the exact amount for your situation and show the total cash needed for closing.
How do interest rates affect what I can afford
Rates change the monthly payment and therefore the amount a lender can approve. We will model a few rate scenarios so your budget stays comfortable.
What costs should I expect beyond the down payment
Plan for closing costs such as legal fees, appraisal, title insurance, and adjustments for taxes or utilities. We will outline a clear estimate.
When should I talk to a broker
As early as possible, even before you start viewing homes. Early guidance helps you avoid surprises and strengthens your offer.
Ready when you are
Let's build a mortgage plan that fits you
Tell us what you are working toward and we will map out the next best step with clear numbers and a simple plan.