Who we serve · First homes
A first home later is still a first home
You have rented for years. You want a clean first purchase, not a lecture about timing.
One income is a normal application
Lenders take a single applicant every day. The work is your debts, your down payment, and the property type. Friends who closed years ago are not part of the application. A longer rent history is not a problem. It is just more statements if a lender wants them. Size the payment to the income you can keep.
Gifts and condos
A gift from immediate family needs a gift letter and proof the money is theirs. Condos and townhouses need the documents early. Fees, insurance, and the corporation's paperwork change the monthly number even when the list price looks similar. Do not write an offer on a building Jason has not seen the papers for.
First-time programs still depend on ownership history
First-time status is about whether you have owned recently, not your age. FHSA and the Home Buyers' Plan have their own rules. Start at first-time buyers and a pre-approval.
What to bring on one income
Pay stubs, T4s, a debt list, and how the down payment will land in your account. A parent gift needs a letter and a paper trail. Downtown or Oliver condos are common on this path. Fees and the corporation's reserve fund can change the monthly number more than the list price.
Ready to talk numbers? Call 780-721-4879 or apply online. Bring income, debts, and the listing or letter if you have one.
Related pages
Common questions
Can a parent gift the down payment?
Often yes, with a gift letter and proof the money is theirs. Jason needs the letter and the transfer, not a verbal promise.
Condo or townhouse?
Both can work. Read the documents before you write an offer. Fees and insurance are part of the payment.
Is it too late for first-time programs?
Not because of age. First-time status is about recent ownership. Jason will say which programs you still qualify for.
Do I need a co-signer?
Only if income, credit, or down payment will not carry the payment alone. Ask before you assume you need one.
Ready for a clearer mortgage plan?
Call Jason. He will educate you, answer your questions, and make the next step easier.