Mortgage Factory

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


Mortgage Journey

Stage-1 Application

STEP 1 - Apply

Get your budget. Start by completing an Online Application.


STEP 2 - Verify

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.


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.


New Construction

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


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

New Homeowners


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


Mortgage News

Everything You Need To Know About Property Taxes
Home Buyers

Everything You Need To Know About Property Taxes

Property taxes are a significant financial obligation for homeowners. These taxes fund essential services like schools, infrastructure, and public safety, making them a crucial

Home Buyers

4 Ways To Buy A Home With No Down Payment

Owning a house is a significant milestone but requires a substantial financial commitment! One of the essential requirements when buying a home is having