MORTGAGES • Home Buyers

Purchasing & Building

Understanding your mortgage options can be daunting, and there is no “one size fits all” approach. We carefully guide home buyers through the process, ensuring you get the best mortgage with the lowest rate.

Home Buyers

HOME BUYING PROCESS

Mortgage Journey

Stage-1 Application

STEP 1 - Apply

Get your budget. Start by completing an Online Application.

Document-Checklist

STEP 2 - Documentation

Receive a checklist for the required documents to solidify the budget and pre-approval.

Stage-3 House Hunting

STEP 3 - House Hunt

Work with a Realtor within your budget. Having pre-approval gives you an edge when it comes time to make an offer.

Stage-4 Underwriting

STEP 4 - Mortgage Underwriting

Once you accept an offer, we apply for mortgage financing through one of our many lending partners.

Stage-5 Closing

STEP 5 - Closing

Once all of the conditions are fulfilled, the lawyer closes the transaction, and you receive the keys to your new home.

HOMEOWNERSHIP

Are you a First-Time Homebuyer?

Navigating your first home purchase shouldn’t be stressful. We walk you through the process and help you become a homeowner sooner.

Down Payment

Sources you can tap into for the downpayment.

Home Buyers Plan

Access investments through the CRAs Homebuyers Plan

First-Time Home Buyers Incentive

A shared equity incentive provided by CMHC.

Tools & Resources

Helpful articles and tools to assist in your purchasing journey.

HOME CONSTRUCTION

Build A Home

New home construction can take many forms, from a complex custom-built project to a more common turnkey package. We will walk you through your options and see what fits you best.

Custom Build

Self-Build

Financing is available for new construction for those who want to build their own home.

New Homeowners

Turn-Key

Work with a builder and Realtor® to choose the floor plan, fixtures and other details in a convenient package.

M FACTORY

Mortgage News

Real Estate Upswing In December
Home Buyers

Real Estate Upswing in December

After an uneventful November and the tension of a cooling year-end market, the national real estate figures for December have defied expectations. A surprising

WE VALUE YOUR PRIVACY

We use cookies to enhance your browsing experience, serve ads, content, analyze our traffic and perform necessary functions to ensure you get the best experience. By clicking "Accept", you consent to our use of cookies.

Learn more about M Factory’s Privacy Policy and Cookies.