Determine your maximum loan amount so that you can pick a feasible purchase price! Then obtain a 90 to 120 day rate hold!

Ensure you are comfortable with your mortgage financing, home inspection, purchase price, and terms and conditions of all contracts. Once you remove subjects you are legally bound to the purchase contract. This is when you should have your deposit cheque ready!

Once you have found a feasible purchase price, now is the time to work with your Realtor! Visit open houses and have your realtor book your showings. Once you've found the home of your dreams, have your realtor write up the offer to the sellers.

During your meeting, you will sign all remaining documents and bring in the bank draft - which will include: the remaining down payment and all closing costs associated with your purchase, refinance, ore renewal. 

Offer accepted! Once your offer has been accepted by the sellers, we will submit a full mortgage application for the mortgage approval. At this time, all documents should be provided to your mortgage broker. 

The most exciting day! Completion is when all the money is transferred between accounts, and possession day is when you get the keys! Congratulations, you are now officially a homeowner!

Meet with your mortgage broker to sign all documents. As well, clarify any questions you have before subject removal date. 

You are officially a homeowner!