Buying Your First Home in Abbotsford?

Your purchase price depends on more than just your income. Your down payment, monthly debts, credit history, property taxes and current mortgage rates can all affect how much you may qualify for.

I'll help you review the numbers before you start shopping so you can set a realistic budget and understand your mortgage options.

Buying your first home may come with programs and incentives that can help reduce some of the upfront costs of homeownership.

Depending on your eligibility, you may be able to take advantage of options such as the First Home Savings Account (FHSA), Home Buyers’ Plan (HBP), B.C. First Time Home Buyers’ Program, and other available incentives.

I’ll help you understand which programs may apply to you and how they can fit into your mortgage and down-payment strategy.

 Your down payment is an important part of buying your first home, but it doesn’t always have to come from savings alone.

Depending on your situation, your down payment may come from personal savings, an FHSA, funds withdrawn through the Home Buyers’ Plan, or an eligible financial gift from family.

I’ll help you understand the down payment you may need, how different sources of funds can be used, and how your down payment can affect your mortgage options.

 A mortgage pre-approval can help you understand your budget before you begin looking at homes. We’ll review your income, down payment, debts and overall financial picture to determine the mortgage amount you may qualify for.

With a clear budget in mind, you can shop with greater confidence and focus on homes that fit your financial situation.

I’ll guide you through the pre-approval process, explain your mortgage options, and help you prepare for the next step toward buying your first home.