Residential Mortgages

Buying a home for the first time?

Have you checked if you are qualified for a grant as a first-time home buyer and understand your privileges?
Have you evaluated how much down payment you have and the total mortgage amount you can borrow?
Do you understand the process of buying a home from start to finish?

It is always exciting when you are planning to buy your first home!

Yet you will need professional and expert advice to guide you through the process….

We at FIRST CHOICE Mortgage can be your guide through every step of the home-buying journey. After understanding your plan, we will help you analyze your mortgage options in the marketplace that is best related to your plan and situation. Through the process, we will also help you understand your maximum potential of borrowing capacity with a plan that is tailored to you. The process will follow by helping you secure your most suitable mortgage with great features and bargained terms. We will also make sure you fully understand the terms and conditions of your mortgage and how to manage it.

“What’s more is we have access to a wide array of mortgage lenders. With the value relationship we have with our lenders, we can help you obtain the most preferential mortgage terms overall”

Getting Ready to Buy

Before getting ready to buy your first home, our team at FIRST CHOICE Mortgage will explain all of the details you need to know before embarking on the mortgage application process.

We will work through the mortgage pre-approval process with you step-by-step.

Our initial objectives are to assist you to:
Work out your borrowing capacity
Calculate the mortgage monthly payment you need to budget with
Identify the most appropriate mortgage product to meet your needs

Searching for a Suitable
Home

Searching for a Suitable Home

Once the mortgage pre-approval process has been completed, it is time for you to start searching for the property in the price range you can afford.

Once you have identified a home, consult your FIRST CHOICE Mortgage Strategy Manager to confirm the mortgage amount on this subject property. We will let you know if the property is compliant with the bank’s eligibility guideline, and we will let you know the numbers of days we are expecting to receive a mortgage approval, so you will be ready for the next step which is making a compelling offer.

Preparing and Making
an Offer

Preparing and Making an Offer

A formal offer to buy the chosen property can be made to the owner or developer for a pre-sale property through a real estate agent, if one is involved—of course, conditional upon final approval of your mortgage, appraisal report and a formal inspection of the property.

Let’s Chat! See the
FIRST CHOICE Difference.

Let’s Chat! See the FIRST CHOICE Difference.

Whether you are a first-time buyer or looking for refinancing, we are eager to help! Just fill in the form below and we can arrange a FREE phone consultation to see how we can help you. The best rates and mortgage terms available for you are just a phone call away.

Why Choose Us?

First Choice Mortgage has been in the industry for years, we have sufficient data to speak for themselves.

Testimonials

We have been working with Patty and David for many years now and on numerous deals. Responsible, knowledgeable, efficient and professional. They have diverse experience and provide flexible financial options for our clients to ensure they not only get their mortgage but plan out their future financial paths. They are a great team!

Awesome news! I'd like to thank you and Clara for providing a great experience for a first-time home buyer like me. Everything was explained in detail and easy to understand.

Extremely efficient, professional, and effective. This company handled my refinance application quickly and with the best possible result. Communication is easy - all my questions and concerns were answered immediately, clearly, and to the point.