Service
Purchase financing
From pre-approval to closing, Cody keeps your purchase on track with financing that fits your budget and your timeline.
Overview
Buying a home is the biggest purchase most people will make, and the mortgage is the part that follows you for years. Cody's job is to make sure you understand what you're signing, get a rate that reflects your whole profile and never lose a deal because financing fell through.
Who this is for
- First-time buyers navigating incentives and down payment rules
- Move-up buyers coordinating a sale and a purchase
- Newcomers to Canada with limited credit history
- Self-employed buyers who need a lender that understands their income
- Investors adding a rental or multi-unit property
How it works
Pre-approval
Cody reviews your income, credit and down payment, then secures a rate hold so you can shop with confidence.
Offer and firm approval
Once you've found a home, the lender confirms the property and issues a firm commitment, usually within days.
Closing
Cody coordinates with your lawyer and lender so funds are ready on closing day. Then it's time to get the keys.
Common questions
How much do I need for a down payment?
It depends on the purchase price and property type. Cody will walk you through the minimums, what mortgage insurance means for your payment and whether a larger down payment is worth it in your situation.
How long is a pre-approval valid?
Most lenders hold a pre-approved rate for 90 to 120 days. If rates drop during that time, you get the lower rate.
Can I buy before I sell my current home?
Often, yes. Bridge financing or a well-timed closing can make it work. Cody will map out both options with real numbers.
Ready to talk about your mortgage?
Book a free, no-pressure call. Cody will walk you through your options and what to expect, in plain language.