Solve your Mortgage Needs Effortlessly
Services
We offer a full range of mortgage and investment solutions customized to fit your financial needs. Whether you’re buying your dream home or seeking high-return investments, we’re here to help you reach your goals with ease and confidence.
Home Loans
Flexible mortgage solutions tailored to your dream home.
First-time Home Buyers
Expert guidance and exclusive incentives for new buyers.
Private Mortgages
Fast and Easy financing when traditional lenders say no.
Construction Mortgages
Custom funding for building or renovating your home.
HELOCs
Access your home’s equity for cash when needed.
Business Loans
Financing solutions to grow or sustain your business.
Refinancing
Lower rates, better terms, or cash from your equity.
Debt Consolidation
Simplify payments by merging debts into one mortgage.
How To Buy Your Dream Home
Step 1: Pre-Approval
Before shopping for a home, it’s recommended to get a mortgage pre-approval. This helps you:
- Determine how much you can afford
- Lock in an interest rate (typically for 90-120 days)
- Show sellers you are a serious buyer.
To get pre-approved, Kelly will assess your:
- Income and employment history
- Credit score and debt-to-income ratio
- Down payment amount
- Existing asses and liabilities
Step 2: Finding the Right Property
Once pre-approved, you can start house hunting. Kelly will help you find a property that fits your budget and needs.
Step 3: Mortgage Application & Approval
After finding a home and making an offer, the next step is to secure a final mortgage approval. This involves:
- Submitting financial documents (income verification, tax returns, etc.)
- Property appraisal (to confirm the home’s value)
- Final lender review.
I work with lenders to find the best rate and terms based on your financial profile.
Step 4: Mortgage Commitment & Conditions
Once approved, the lender provides a mortgage commitment letter outlining:
- Loan amount, interest rate, and term
- Repayment structure (fixed vs. variable, amortization period)
- Any final conditions (e.g. additional documents, property insurance)
You must satisfy all conditions before the mortgage is officially finalized.
Step 5: Legal & Closing Process
A lawyer or notary in BC will handle the legal side, including:
- Reviewing mortgage documents.
- Conducting a title search
- Registering the mortgage.
You’ll also need to pay closing costs, which may include:
- Property Transfer Tax (PTT) (exemptions available for first-time buyers)
- Legal fees.
- Goods and Service Tax (if applicable)
Step 6: Mortgage Funding & Move-In !
On closing day, you sign your mortgage documents at the notary or lawyer, the lender releases the mortgage funds, and on possession day the property title transfers to your name. You get the keys and officially become a homeowner !
Additional Considerations
- Down Payment Requirements: Minimum 5%
- CMHC Insurance: Required for down payments under 20%
- First-Time Home Buyer Incentives: Programs like the First-Time Home Buyer incentive or BC Property Transfer Tax Exemption can help with affordability.
Testimonial
What Clients Think
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Specialty Areas
Buy Real Estate
Sell Real Estate
First-time Home Buyers
Private Mortgages
Construction Mortgages
HELOCs
Business Loans
Refinancing
Debt Consolidation
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