Your home is more than just a place to live – I understand that. I help you navigate the world of mortgages and renewals with care and expertise. Whether you're buying your first home, upgrading to accommodate a growing family, or renewing your mortgage to ensure long-term stability, I’m here to support you every step of the way.
Your dream home is right around the corner. First, let’s talk about your goals. I work with some clients years before they’re ready to buy, helping them build credit, save for downpayments, and strategize, getting their family into the home they deserve.
Know your buying power in advance. Applying for a pre-approval is an essential step in the home buying process, before you even start looking at houses. Know your budget, talk to your real estate agent, and fall in love with your dream home, knowing it’s in reach
You’re busy, I get that! With an online application and secure client portal, your mortgage doesn’t have to be a hassle. Work face to face, or completely online. Let's make your mortgage-buying process work for you.
A mortgage renewal can be as simple or complicated as you want. But with thousands of dollars on the line, you deserve the best. I’m here to help you renew with the future in mind, while keeping the process easy and convenient.
"Was referred to Nicole by our real estate team. As first time home buyers she made all the difference in helping us understand the process and simplified everything!
We didn’t have simple circumstances but she worked so hard to accommodate us and provide us the best possible outcome! Very happy we went with Nicole and will be recommending her to our friends and family!"
YES! Anyone is eligible to put down 5% on a new purchase, even if you are not a first time home buyer! The only change is that your mortgage will need to be insured by CMHC. This insurance can be paid as a lump sum or included in your regular mortgage payments.
Yes. You can borrow equity from various sources such as personal loans, lines of credit, lender credit, gifts, or grants, provided they are from arm's length parties. However, loan repayments must be factored into the calculation and must comply with allowable debt ratios, typically capped at 44% of total income.
I've said it once and I'll say it again...the best time to buy a house is when YOU are ready.
“Don’t wait to buy real estate. Buy real estate and wait.”
- Will Rogers, actor and humorist
If you want to discuss your real estate dream, contact me today and we can start YOUR pre-qualification TODAY!
You can always buy now and refinance when interest rates drop, rather than waiting to buy.
Yes! Depending on your employment type (salary or hourly), you'll need to provide documents showing year-to-date (YTD) income and annual income:
Every mortgage application is unique, and I'm here to discuss tailored solutions to fit your needs. Let's explore your mortgage options today!
Renewals can be as hard or simple as you make them! While submitting income documents (T4s, NOAs, paystubs, pension statements, CCB statements, letters of employment etc.) may seem daunting, doing so will enable you to secure the best rate. After all, isn't it worth it to secure the best advice, mortgage, and rate for your most significant expense?
Do yourself a favor and talk to a mortgage professional at least 3 months before renewal. Ready to secure the best mortgage for your needs? Book a call today!