As an independent broker, I'm not tied to any one bank — so instead of a single rate, you get to see competing offers side by side. For a first-time buyer that's the difference between hoping you got a good deal and actually knowing.
How the process works
Here's the path most first-time buyers take with me:
- A quick, free chat. We talk through your budget, savings, and timeline — no documents needed yet, no impact on your credit.
- Pre-approval. I gather a few documents and shop your file across lenders so you know exactly how much you can borrow before you start house-hunting.
- Compare your options. You see real numbers — rate, monthly payment, and total cost — laid out clearly so the choice is obvious.
- Lock and close. I coordinate with the lender, keep you updated, and make sure there are no surprises at signing.
What you'll learn along the way
- How much home you can comfortably afford — not just the maximum a lender will allow.
- The real trade-offs between a smaller down payment and avoiding mortgage insurance.
- Which loan programs you may qualify for, including lower-down-payment options.
- What closing costs to expect, so your savings target is accurate.
First-timer tip
Get pre-approved before you fall in love with a listing. It tells you your real budget, makes your offer stronger, and removes the scramble when the right place appears.
Common questions
Do I really need 20% down?
Not always. Some buyers put down as little as 3–5%. Twenty percent lets you skip mortgage insurance, but it isn't the only path — we'll weigh what makes sense for your savings and timeline.
Is the advice actually free?
The consultation and pre-approval review are free. In most cases I'm paid by the lender, and I always disclose exactly how before you commit to anything.