PROGRAMS

First Time Home Buyer

- Let's achieve your goal of owning your first home.

- 5% down payment minimum. Gift from family available.

- 4 steps mortgage process (refer to the guide tab).

- Income property (in-law suite) qualify for higher pre-approval when considering rental income.

- Permanent resident elidgible.

- Temporary Resident need minimum 183 day valid permit.

- 5% down payment available.

- Need full time employment.

- No credit history accepted.

*need proof of payments like paying rent on time*

- Owner occupied + rental unit (up to 4 units) qualify for 100% rental income added.

- 2 units = 5% down.

- 3-4 units = 10% down.

- Non owner occupied = 20% down

- Non subject properties income add back*

- Not finding your dream house? Purchase and renovate is available.

- Only need quotes for the work that will add value to the home.

- Each lender has different guidelines, book a call to know more.