Have you talked with the bank or a mortgage broker yet?

This is a very important step for us both You need to fully understand the expenses of owning a home and how much of your hard earned money you’re going to be paying every month towards your home. It is not just a mortgage that you need to take into consideration. Have you budgeted for: • taxes • insurance • utilities • your mortgage • maintenance And don’t forget additional expense to get your home initially set up, such as landscaping, furniture, building a garage, renovations, etc. Items to provide and ask your mortgage broker include: • Employment stubs • Letter of employment • Summary of debt Additional considerations include: • Will you have renters? • Do you need a home improvement loan to build a garage or finish a basement? • Do you qualify for any government subsidies or programs?