The minimum down payment depends on the purchase price of the home and your situation. I can walk you through the requirements and help you understand how different down payment amounts may affect your mortgage.

For many standard residential mortgages, the lender pays the mortgage brokerage rather than the borrower. In some situations—such as certain alternative or private mortgages—fees may apply. Any applicable fees will be discussed with you before proceeding.

A bank can generally offer its own mortgage products. As a mortgage agent, I can explore options from multiple available lenders and help you compare solutions based on your needs and financial situation.

Yes. A pre-approval can give you a better understanding of your potential budget before you begin shopping. Keep in mind that a pre-approval isn't a guarantee of final mortgage approval; the property and your financial information still need to meet the lender's requirements.

Requirements vary, but you may be asked for identification, proof of income and employment, information about your down payment and assets, and details about your existing debts. I'll let you know exactly what's required based on your application.

It's worth reviewing your options before your current mortgage reaches its maturity date rather than automatically accepting your lender's renewal offer. This gives us time to look at your current needs and compare available options.

Yes. Refinancing may allow you to access home equity, consolidate higher-interest debt, or restructure your mortgage. I'll help you review the costs and available options to determine whether refinancing makes sense for your situation.