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Bright Kitchen | Kane Kardash | Calgary | Ontario | Mortgage Broker

Let's Find Your First Home

What is the most important thing to know about being a first-time homebuyer?


That you should not navigate this purchase on your own.

Buying a house affects both your short-term and long-term financial goals, which is why I want you to know exactly what to expect at each step along the home buying and mortgage process.

The Mortgage Process

What Is Title Insurance and Why You Should Have It

What Is Title Insurance and Why You Should Have It

Title insurance can protect you against any disputes over who has rights to the property, and you can even purchase it after you buy.

Difference Between Fixed Vs. Variable Rate

Difference Between Fixed Vs. Variable Rate

The primary difference between a fixed or variable rate mortgage is how much you will pay monthly in interest. Which rate is right for you?

Step 1: Let's Chat

The first step is to talk with me so we can get to know each other. I’ll ask you a few questions regarding your financial goals, assess your financial position and creditworthiness in order to discuss available financing options.

Step 2: Complete An Application

This is where you complete a mortgage application. This is where I’ll gather information about your credit, employment, and income to start your mortgage pre-approval.

Step 3: Collect Paperwork

After you complete the application, ​I’ll need your help gathering your documents such as bank statements, pay stubs, and employment letters. The good news? We do this up-front to reduce your stress when you're out shopping for a house. The faster you get your documents, the faster I may complete your mortgage application and get you pre-approved!

Step 4: Go Shopping

Interest rate locked in? Check. Documents approved? Check. Budget set? Check. It’s time to go shopping with your realtor. Don’t have a realtor? No problem. I have many great recommendations for you!

Step 5: Buy Your Home

The seller has accepted your offer and it’s time to do the “legal stuff” of the mortgage process. We'll complete the underwriting process, working with over 40 different banks and lenders to find you the right mortgage. The right lender will be the one to set up your mortgage and underwrite the deal, including which interest rate you’re locked in at.

Now, you will have to talk with a lawyer, but once everything is signed and transitioned to your name, it’s the countdown to possession day!

Step 6: Move In

On move-in day, you’ll meet with your realtor to get the keys to your new house and that’s when you begin your new chapter.

Step 7: More Than One Mortgage

Life changes and that means your mortgage will likely change too. I’ll be here to help you navigate those changes whether that means renewing your mortgage, refinancing, renovating, consolidating debt, or buying another house for investing.

Make Your House A Home

As a first-time homebuyer, you'll learn quickly that buying a home usually means making some compromises. Like finding a house in a great location but it has an outdated kitchen. But, there might be an option to make update that outdated kitchen and include the costs into your mortgage. 

A purchase plus improvement plan, known as a renovation mortgage, includes the renovation costs into the total mortgage amount. This way, you take advantage of a lower interest rate and one monthly payment, making it the cheapest way to complete renovations, truly turning your house into a home.

Build Your Dream Home

Building your own home can be incredibly rewarding, but securing a mortgage for a construction mortgage may take a bit more work. 

Typically, you’ll need a high credit score, decent income, and proof that the construction of their home will be completed within a certain timeframe. Lenders will also want to verify that the contractor or home builder in question is certified and has a certifiable history. 


Building a house from the ground up is risky for both the borrower and the lender so you will also require a larger down payment than a traditional mortgage, usually 20-30%.


If you're looking to build your forever home, let's chat about securing a builder's mortgage.

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