FIRST TIME HOME BUYER PROGRAMS

If you have not owned a home in Canada within the last 4 years you may be eligible for first time home buyer programs, rebates and/or incentives. Contact us today to find out your eligibility and how they can help you to buy a home.

ZERO DOWN PAYMENT PROGRAMS

If you have at least 3 years of continuous employment history, excellent credit and no significant debt you may qualify for a $0 down payment program (a deposit and closing costs are still required). Contact us today to find out if you qualify.

RENT TO OWN PROGRAMS

Rent to Own programs are perfectly designed for applicants who don't qualify for bank mortgage financing because they don't have a 5% down payment and/or they have poor credit. The program allows you to live in your dream home while you save up for the balance of the down payment and/or rebuild your credit. Contact us today to find out if you qualify.

MORTGAGE PRE-APPROVAL

A mortgage pre-approval provides valuable information. It provides you with your maximum purchase price, approximate interest rate and monthly mortgage payments. Not only does it tell you if you qualify for a mortgage, it also lets you know if you qualify for a Zero Down Payment Program, First Time Home Buyers' Program, Rent to Own Program or traditional bank mortgage financing. Contact us today to get your FREE mortgage pre-approval.

OFF MARKET HOMES

Properties that are not listed on the MLS (Multiple Listing Service), like realtor.ca, are classified as Off Market Homes. FSBO (For Sale by Owner) qualify as an off-market value home. The main advantage to these properties is that they are less visible to other buyers so there is less competition and theoretically provides you with an opportunity to get a lower price. Contact us today to get your list of Off-Market Homes in your area.

POWER OF SALE HOMES

Homes undergoing the power of sale process may provide a great buying opportunity depending on where the owners and/or sellers are in the power of sale process. Sometimes you can find a great buying opportunity.

MOTIVATED SELLERS

The best way to find properties below market value is to identify motivated sellers. They usually have to sell quickly because of a divorce, debt (i.e. they can no longer afford the mortgage payments), death (they are suddenly burdened with an inherited property) or desperation (i.e. job opportunity).

PRIVATE MORTGAGES

Private mortgages have higher interest rates and lender fees but they will provide you with the necessary short term mortgage loans when the bank declines your mortgage request. They can be used to purchase income properties, consolidate debts, provide funds for emergency purchases or do repairs on your home so you can sell it for a higher price.