Here is a true story, a lesson in fact, in the importance of working with a mortgage specialist to get an accurate picture of your present financial situation.   It's not enough to sit down with your standard bank representative, and chat for 5 minutes about the key details of your income and expenses.

You need someone who asks all the pertinent questions, because this sort of investigative work is in your best interest.   It can help protect you from the burden of taking on a loan that would stretch you to your last penny, and leave you unprotected should some unforeseen events arise.   It can also prevent the awful situation of falling in love with a home; negotiating the price to something you are comfortable and happy with, only to find that you are unable to secure the necessary financing to complete the purchase.

These mistakes are completely avoidable and can lead to a more enjoyable experience, especially for first time home buyers

Who else do you need?  Call me now to learn how to build your complete team!