Buying Your First Home?

Want to learn your best first steps to take now? We outline your best options — and your best rates.

I provide step by step advice for first time buyers, ensuring you receive your ideal mortgage, lowest rates and top customer service. Taking advantage of a mortgage broker’s free services can be your best choice, for the right reasons.

Contact Me Now

Welcome to First Time Home Buyers!

Benefit from extensive mortgage expertise and enjoy lower rates.

Unlike traditional banks, I’m not driven by commissions and have the freedom to explore all lenders and secure the best rate tailored to your situation.

Talking to me is effortless and it won’t cost you a thing. There are no obligations. It’s a no-brainer decision 🙂

*****Remember, it’s not just about great rates; the type of mortgage you choose matters significantly.

I explain this and more in the video above where I look totally crazy in the thumbnail.

Beware of ultra-low rates advertised on the web, as they often come with hidden penalties or restrictions that could end up costing you more in the long run or during renewal.

When it comes to your first mortgage, it’s crucial to find the right fit at the best rate, ensuring long-term financial stability.

Buying your first home can be both exciting and intimidating, but we’re here to make it easy.

Recognizing that it’s a significant financial decision, we streamline the process while saving you a substantial amount of money.

Here’s how:

Check out my Home Buyers eBook
Use my mortgage calculator to visualize your numbers
Easy process – fast responses
I handle all negotiations
Rest assured that you will get the best rate and mortgage fit for you

Let me help you create a strategy so you make an informed, long-term and financially advantageous decision.

wine country okanagan adobe house refinance mortgage

Weighing Mortgage Refinance Options

Refinance Cons:

Your Down Payment: Your initial down payment plays a significant role, with options available for as low as 5% down. I’ll help you explore various strategies and programs to fund your down payment.
Your Pre-Approval: I swiftly determine the mortgage amount and best interest rate based on the latest requirements. 90 to 120-day rate hold guarantees
The Purchase of Your Home: I’ll advise on possession day to ensure stress-free finalization of all financing; allowing adequate time for home inspection!
Your Paperwork: I will explain in detail all the necessary paperwork required by the lender
Closing Time: All documentation will be forwarded to the lawyer or notary of your choice.

When you step through your own front door, you’ll experience the joy of knowing you secured the best mortgage rate and fit.

Rest assured, I’m here for you in the future, including mortgage renewal or refinance time!

First Time Home Buyer Programs

When it comes to your first mortgage, various programs and rebates are available to alleviate the financial burden.

The First-Time Home Buyer Incentive program offers federal funds to supplement your down payment.
Utilize the RRSP Home Buyers Plan (HBP) to borrow from your savings for a down payment without incurring interest.
Take advantage of the Federal First Time Home Buyers Tax Credit, which can contribute up to $750 towards closing costs.
Explore additional federal and provincial tax rebates that may provide extra funds for closing costs and GST/HST relief.

Feel free to reach out even before you’re ready to apply.

I’ll provide the information you need. When you are ready, I’ll liaise with lenders on your behalf, presenting you with all the options for your best financing solution. With Huber Mortgage, you’ll secure your mortgage at the best rate and with the most flexible terms, saving you thousands of dollars and giving you the ideal start to homeownership.