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Unlock Your Home Mortgages
Being a first time home buyer is an exciting time, but it can also be a bit overwhelming. At Unlock Your Home Mortgages, we specialize in guiding first time home buyers through every step of the process, ensuring you have a smooth and enjoyable experience from start to finish.
Why Choose Us?
Expert Guidance: Our team of experienced mortgage brokers is here to provide you with personalized advice tailored to your unique financial situation. We take the time to understand your needs and goals, ensuring you make informed decisions.
Comprehensive Support: From pre-approval to closing, we offer comprehensive support to help you navigate the complexities of the home buying process. We'll explain each step, answer all your questions, and provide the resources you need to succeed.
Competitive Rates: We work with a wide range of lenders to secure the best mortgage rates and terms for you. Our goal is to make homeownership affordable and accessible, so you can achieve your dream of owning a home.
First Time Home Buyer Process
1. Discovery Call
We'll start with an in-depth consultation to understand your financial situation, needs, and home ownership goals. As a first time home buyer, this is a great opportunity for you to ask any questions and get to know us.
2. Application and Document Collection
Getting pre-approved for a mortgage is an important first step and we’ll need to begin with an application and collection of ALL supporting documentation. The goal in this step is accuracy.
3. Congratulations! You’ve Been Pre-Approved
Next, we’ll schedule a strategy call to review your maximum pre-approval amount and develop budget-friendly strategies. During this call, we’ll also discuss what to expect in the home buying process. After the call, you’ll receive an email with your personalized budget proposal based on our discussion.
4. Shopping For a Home
While you and your realtor search for your new home, we’ll keep in close contact. Please share details of any properties you’re interested in so we can include them in your budget. Our goal is to provide a precise breakdown of your potential payments for any home you're considering, ensuring you have an accurate understanding of your financial commitment.​
5. Approved
Once you've found your forever home and your application has been approved, we'll assist you in finalizing your home purchase. This includes updating and submitting any additional documents and managing the paperwork, all while keeping you informed throughout the underwriting process.
​Home Buying Guide: Our comprehensive guide covers everything you need to know about buying your first home, from budgeting to moving in.
Mortgage Calculator: Use our online calculator to estimate your monthly payments and see what you can afford.
6. Closing
Resources for First Time Home Buyers
Once all conditions of the approval have been satisfied our job comes to a close. Next, we instruct the lawyer. A full document package is then sent to the lawyer where you will provide the remainder of the funds for the down payment, verify identification and anything remaining to close the home both legally and financially.
Ready to take the first step towards homeownership? Contact us today to schedule your initial consultation. We're here to help you achieve your dream of owning your first home!
Testimonial
" Brandon is a great mortgage broker for all buyers, but especially first-time home buyers. He’s very responsive, patient, and takes the time to explain the process and the numbers. His approach is very educational. He empowers buyers with the knowledge needed to make informed decisions about their purchases. Greatly recommended!." - L. Lukindo. Calgary and Surround Realtor