HOME BUYERS GUIDE

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THE MORTGAGE PROCESS

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A person is drawing a diagram of the mortgage process on a whiteboard.

BROKER VS "SPECIALIST"

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A brochure for a licensed mortgage broker

WHAT CAN YOU AFFORD?

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A calculator with a red button that says what can you afford
The Mortgage Process
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A person is drawing a diagram of the mortgage process on a whiteboard.

HOUSEHOLD (BUDGET) BREAKDOWN GOAL

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A red piggy bank is sitting next to a row of coins and a model of a house.

HOUSEHOLD (BUDGET) INCOME & EXPENSES WORKSHEET

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A yellow calculator with black buttons and a green screen

TAXES ON HOME IN BC?

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A yellow sign that says `` taxes due '' on a blue background.

PENALTIES; HOW ARE THEY CALCULATED?

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A sign that says breaking your mortgage on it

THE MORTGAGE APPRAISAL REPORT

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A hand drawing a house with the words location market age condition improvements neighborhood and property value

COMPLETING: STATEMENT OF ADJUSTMENT SAMPLE

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A sample buyer 's statement of adjustments is shown on a white background.