Buying your first place in Simcoe County

What you need, what it costs, and every program you are entitled to. No jargon, no pressure.

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You do not need to have it all figured out before you start. That part is literally my job, to walk you through it in plain words, at your pace, with zero pressure.

You are allowed to feel nervous

When I bought my first place, I was scared of getting in over my head too. That feeling is normal, and honestly it is a good sign, because it means you are taking this seriously. My job is to take the mystery out of it, so the nerves settle and the excitement gets to take over.

Start with the few numbers that actually matter

Most first-time buyers think they need a finance degree just to begin. You really do not. We start with a small handful of numbers: what you have saved, what you earn, what you owe, and what a comfortable payment looks like for your actual life. From there the picture comes together faster than you would expect.

A little test that takes the fear away

Here is something I did myself, and I suggest it to nervous first-timers all the time. For a few months, try living on what your home payment would actually be, and tuck the difference into savings. You get a real feel for the payment before you commit, and you build a cushion at the same time. Either way you come out ahead, and you go in with your eyes open.

What the process really looks like

We get you pre-approved first, so you know your true budget before you fall in love with a place. Then you shop with confidence, I line up the right mortgage, and I hold your hand through every step to closing. No jargon, no surprises, and I will happily explain anything as many times as you need.

You will never be sold to

There is no such thing as a basic question in my office. A lot of my clients do not know much about their finances when we start, and that is completely okay. You will get your options, the honest pros and cons, and the room to decide for yourself. Once you are my client, you are my client forever.

Thinking about buying your first home?

Let’s talk it through, no pressure.

General education, not financial advice. Any figures are illustrative only and subject to lender approval (O.A.C.). Lora Fenn, Mortgage Agent Level 1, Lic. #M25003153, Dominion Lending Centres YBM Group (FSRA #11129). 705-881-2780 · lfenn@dominionlending.ca · lorafenn.ca