Homeowner AF

Your down payment may not have to come entirely from your regular savings. In this episode, I explain how the Home Buyers’ Plan (HBP) and First Home Savings Account (FHSA) can help eligible first-time home buyers in Canada access and build funds for a home purchase. I walk you through the rules you need to understand before incorporating either program into your strategy, so you can set yourself up for the best case scenario when you're ready to buy. Here’s what you’ll learn: Who qualifies as a first-time home buyer for the Home Buyers’ Plan and FHSA, including when a previous homeowner may become eligible again How the FHSA can help you build your down payment through tax-deductible contributions and tax-free qualifying withdrawals How eligible couples can each use an FHSA towards their purchase, increasing the amount available for their combined down payment How the Home Buyers’ Plan allows eligible buyers to access RRSP funds for a home purchase and what you need to know about repayment The key differences between the FHSA and HBP, including why the repayment requirement can influence how you use each program Why understanding the withdrawal and eligibility rules before making an offer is an important part of preparing for your mortgage and home purchase The Home Buyers’ Plan and FHSA can create additional opportunities for Canadians to strengthen their down payments, but the right approach depends on your specific financial circumstances and timeline. If you want advice tailored to your situation, book a free call with me at www.bricallme.com. Do you have a question you want answered on the podcast? Send me a message or voice note on Instagram @briannagoslinmortgages. I'll see you next time! Resources: Homebuyer's Plan FHSA Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on Homeowner AF, I share the practical steps I would take if I was buying in the next six months. If you’re currently planning to purchase your first home in Ontario, getting pre-approved is just the beginning. Listen in as I go over the steps you can start taking now so you can stay mortgage ready and be prepared to act fast when the right property comes along. Here’s what I get into: Why I want you to keep saving after your pre-approval and down payment are in place, including building an emergency fund for the added costs of homeownership How a mortgage rate hold can help protect your purchasing power when interest rates fluctuate Which mortgage documents you’ll need to keep updated so your application can move quickly once you have an accepted offer and a financing condition Why expanding your location search could open up more affordable homeownership opportunities, particularly if you work remotely or have flexibility with your commute How assembling your homebuying team early, including your mortgage agent, realtor, and real estate lawyer, can help you prepare for a smoother purchase Why choosing to work with people you trust matters The more prepared you are before you find your property, the better positioned you’ll be to move through your mortgage financing with confidence. Do you have specific questions about your unique homebuying situation? Book a free call with me at www.bricallme.com.  Listen to Episode 3 of Homeowner AF: What is a Pre-Approval and Why Do I Need One? Mortgage Pre-Approval Explained Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on Homeowner AF, I dig into Teranet’s Q2 2026 Market Insight Report and what the latest Ontario housing data actually tells us about Canadian first-time homebuyers. Heads up: the numbers may challenge some of the headlines you’ve been hearing. First-time buyers are making up a growing share of Ontario’s non-condo market and today, we’ll be looking at where they’re buying, what they’re buying, and how you can use this information to build a smarter homeownership strategy around your own finances. Here’s what I get into:  The growing role first-time homebuyers are playing in the non-condo market How first-time buyers are purchasing homes across Ontario and why looking beyond one city or neighbourhood can change what’s possible within your budget What the rise in solo first-time homebuyers tells us about buying on your own, especially for buyers in their 20s and early 30s The four practical steps I recommend taking to position yourself for homeownership, starting with your mortgage pre-approval and the monthly payment you can comfortably afford Why being flexible with location and property type can create more opportunities without sacrificing the financial boundaries you’ve set for yourself Why your first-time homebuyer strategy should focus on what you can control rather than trying to predict interest rates or the next move in the Canadian real estate market If your goal is to become a homeowner in Ontario, this episode will help you think differently about what’s possible and where to start. Leave me a comment with a question you want answered on the podcast or send me a message on Instagram @briannagoslinmortgages. I’ll see you next week! Teranet’s 2026 First-Time Homebuyer Market Snapshot Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on Homeowner AF, I share the things I wish I avoided as a first-time home buyer in Ontario. I purchased my first home in Oshawa in 2015 with my then-boyfriend, now husband, with a plan to build equity and use our starter home as a stepping stone toward our long-term goals. Looking back, there are a few conversations and decisions that could have made the process a lot less stressful. If you’re currently house hunting in Ontario as a first-time homebuyer, listen in to the lessons I learnt the hard way, so you can feel more confident when it’s your turn to buy. Tune in to hear: The importance of prioritizing your financial plan and homeownership goals above the opinions of friends and family Why we intentionally purchased a home with a basement apartment, how rental income helped support our lifestyle, and why being a landlord worked for us despite other people’s concerns How our mortgage pre-approval helped us choose a purchase price based on a monthly payment we were actually comfortable carrying What first-time home buyers should discuss before actually make an offer The kinds of conversations you should be having with your partner before going in on a shared down payment What I learnt about cohabitation agreements and why protecting yourself and your investment is an important part of buying real estate with another person Visit jointly.ca to learn more about cohabitation agreements in Canada. If you’re a first time home buyer in Ontario and you’re thinking about your pre-approval, let’s get you the information you need to make your next move with confidence. Book a free call with me at www.Bricallme.com. I’ll see you next week! Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on Homeowner AF, I’m breaking down a shift in the Ontario housing market that could create a real opportunity for first-time home buyers heading into fall 2026. While some buyers are running into challenges getting their deals across the finish line, first-time buyers may have an advantage simply because they have fewer moving parts. In this episode, I cover: Why are some home purchases falling through in Ontario right now, and what does it have to do with existing homeowner who are buying, aka “move-up buyers”? What is a sale-of-home condition, and why can it make an offer less attractive to a seller in today’s market? Could being a first-time home buyer actually give you an advantage when competing against move-up buyers? Does a buyer’s market means you have more negotiating power, and what you should know before deciding how much to offer. Should you still include financing and home inspection conditions when there is less competition for a property? How early should you get pre-approved if you are hoping to buy in fall 2026? If buying your first home is on your radar, this market could present an opportunity worth paying attention to. The key is understanding where your advantage may be and having your financing lined up before the right property comes along. If you want to know what you could qualify for or get your mortgage pre-approval started, book a free call with me at www.Bricallme.com.  Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on Homeowner AF, we’re breaking down parts of the mortgage and home buying process that you may not have been taught. There are no stupid questions when it comes to understanding mortgages, so I’m answering five of the most common ones I hear from first-time home buyers in Ontario. Tune in to get clearer on the process and feel more prepared for your home buying journey. In this episode, I answer: Where does my deposit actually go after my offer is accepted, and does it count toward my down payment? How does mortgage default insurance get paid when I’m putting less than 20% down, and should I expect an extra cost at closing? Is land transfer tax the same everywhere in Ontario, and what changes if I’m buying in Toronto? Does my mortgage agent talk to my realtor, and what information do they actually share throughout the home buying process? Can I use my first mortgage to consolidate consumer debt, or do I need a different strategy before becoming a homeowner? If you’re a first-time home buyer, these are exactly the kinds of questions you should be asking. Understanding how the pieces fit together can help you avoid surprises and feel more confident as you move from pre-approval to homeownership. If you’re ready to start your pre-approval or want to talk through your specific home buying plan, book a free call with me at www.Bricallme.com. Give this episode a like, and I’ll see you next time! Ontario Land Transfer Tax Calculator Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

If you’re a first-time home buyer in Ontario trying to decide between a 25-year and 30-year amortization, this episode will help you understand what that choice actually means for your mortgage, monthly cash flow, and long-term homeownership goals. Today, I’m breaking down the pros and cons of a 30-year amortization, why it can improve affordability and borrowing power, and how you can still build a strategy to pay your mortgage off faster. In this episode, I cover: How the 30-year amortization option works for eligible first-time homebuyers with less than 20% down and why it can make qualifying for a mortgage easier How a longer amortization can lower your monthly or bi-weekly mortgage payment, improve cash flow, and give you more breathing room as you adjust to the full cost of homeownership The trade-offs of choosing a 30-year amortization Why a higher mortgage pre-approval does not automatically mean you should spend more The strategy I recommend for first-time homebuyers who want more flexibility now while still working toward paying their mortgage off sooner What to look for in a mortgage and lender if paying down your balance faster is part of your long-term plan If you still have questions, book a free call with me and let's discuss your specific situation. Please leave a like on the episode and I'll see you next week! Download Brianna's mortgage app: https://cma.me/brianna-goslin/download Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Everyone wants to know if now is the right time to buy. This is one of the most frequently asked questions I get as a mortgage broker and my answer might surprise you. In today’s episode, you’ll hear why the answer has less to do with the current market and more to do with your personal financial situation. I’ll be sharing the framework I use to help first time home buyers in Ontario cut through headlines and determine their personal readiness. If you’re thinking about buying, you'll leave this episode with a clearer understanding of what "the right time" looks like for you. Keep listening to learn: The questions you should be asking yourself before deciding to buy How supply, demand, and buyer confidence influence the Canadian real estate market and what that could mean for your home search The truth about interest rates, what I expect moving forward, and why waiting for rates to fall may not be the strategy you think it is The one financial exercise that can quickly tell you whether homeownership is realistic right now Why a mortgage pre-approval is one of the most powerful tools you can use before starting your home buying journey If your goal is becoming a homeowner, this episode will help you focus on the factors you can control instead of trying to predict the market. Give this episode a like and send me a DM over on Instagram @briannagoslinmortgages to have your question featured on a future episode of the podcast. I’ll see you next time! Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

The way you set up your mortgage payment can have a bigger impact than you might think. Today on Homeowner AF, I break down what’s actually included in your mortgage payment, including the different payment options available to first-time home buyers in Ontario. Tune in to learn how the right mortgage payment strategy can save you thousands and accelerate your path to building equity.  In this episode, you'll learn: Why your mortgage payment frequency matters and how accelerated bi-weekly payments can help you pay off your mortgage sooner What's actually included in your mortgage payment and how property taxes may be collected by your lender  The difference between fixed, variable and adjustable rate mortgages A simple but often overlooked tip that could save you money by avoiding unnecessary charges hidden in your mortgage commitment What questions to ask before signing your mortgage documents so your mortgage supports your long-term homeownership goals If you found this episode helpful, please leave a like! For those of you getting ready to buy your first home, renew your mortgage, or simply want to better understand your options, book a free call with me at www.Bricallme.com for advice tailored to your situation. I’ll see you next week!  Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Choosing between a fixed and variable mortgage is one of the biggest financial decisions you'll make as a first-time home buyer, and it's about more than just getting the lowest rate. Today on the podcast, I break down how each option works, what it could mean for your budget, and how to choose the best fit for your long-term goals and changing interest rates. As always, my goal is to help you understand your options so you can make a confident decision that supports your homeownership journey. What you’ll hear today: How fixed mortgage rates and variable mortgage rates are determined in Canada and what causes them to change The pros and cons of a fixed versus variable mortgage for first-time home buyers in Ontario How interest rate changes can affect your monthly mortgage payment, cash flow, and long-term financial plan What mortgage penalties look like if you need to refinance, sell your home, or break your mortgage before the end of your term When it makes sense to choose a fixed rate for payment stability versus a variable rate for greater flexibility What to know before switching from a variable mortgage to a fixed mortgage, or vice versa, during your mortgage term If you found this episode helpful, please leave a like and share with me any questions you’d like me to answer in future episodes. For those of you who are ready to create a mortgage strategy that works for your goals, book a free call with me and let’s get you a step closer to being a homeowner. I’ll see you next time. Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on Homeowner AF, I walk through three real-life examples that have successfully made my clients Ontario homeowners in 2026. If you’re feeling as though your budget just isn’t enough, this episode will help you navigate your mortgage qualification and today’s rising home prices. You may need to rethink your buying strategy, but in the end, these steps could open up homebuying opportunities that were previously out of reach. Here’s what I cover: Real examples of how buyers are making smart trade-offs in 2026 to get into the Ontario housing market The kind of flexibility that can make a major difference when your budget isn’t lining up with your market Strategies to increase your mortgage qualification and support your monthly cash flow How “house hacking” may help you qualify for a higher purchase price without increasing your down payment Why adjusting your expectations in one area could open the door to homeownership sooner than you think If you’re a homebuyer in Ontario feeling discouraged by today’s market, this episode will help you think more strategically about what’s possible. If you found this episode helpful, please leave a like and send me a message with your questions for future podcast episodes. I’ll see you next time! Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Just because a lender says you can spend a certain amount on a home, does that mean you actually should? Today on Homeowner AF, I’m breaking down how to plan your home purchase price as a first-time home buyer in Ontario, and why your pre-approval amount should never be the only number guiding your decision. We dive into what lenders look at, what they don’t look at, and how to build a purchase plan that supports your long-term homeownership goals without stretching your monthly budget too thin. In this episode, I cover: Why your maximum pre-approval amount is not the same thing as your ideal home purchase budget The real-life expenses lenders don’t include in debt ratios and why those missing pieces matter when planning your first home purchase How to use your current rent payment as a starting point to figure out what kind of mortgage payment actually fits your lifestyle and financial goals How to factor interest rates, your down payment, and mortgage qualification to create a comfortable monthly payment and realistic purchase price  What to do if your safe price point doesn’t line up with the current market Why affordability and long-term sustainability should be at the centre of every home buying decision Buying your first home in Ontario is about more than qualifying for a mortgage. It’s about making sure your payment still leaves room for the rest of your life, your future goals, and the kind of homeownership experience you actually want. If you want help figuring out your own numbers, book a free call with me and let’s map out a purchase plan that works for you.  Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

With rising living costs and more Canadians carrying balances on credit cards, student loans, and lines of credit, understanding how debt impacts your ability to buy a home has never been more important. Today on the podcast, I break down exactly how debt affects your mortgage qualification and what every first-time home buyer in Ontario needs to know before applying for a mortgage.  In this episode, I cover: How lenders assess credit cards, lines of credit, loans, and other liabilities when reviewing your mortgage application What debt ratios are and why your existing monthly payments directly impact how much home you can afford Why taking on new debt after a mortgage pre-approval can reduce your buying power and affect your home purchase plans How student loans are calculated during the mortgage qualification process The connection between debt management, credit health, and securing the best mortgage interest rates available Why paying down high credit balances before purchasing a home can help strengthen your application and position you for long-term financial success Still have questions? Leave me a comment on this episode or send me a DM over on Instagram @briannagoslinmortgages. I'll see you next time! Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Have you ever thought about how much money you might be leaving on the table at your mortgage renewal? Most Canadians simply sign on the dotted line without realizing that this is the perfect moment to reassess, save, and take greater control of their financial future. Today on Homeowner AF, I break down exactly how to turn your mortgage renewal into an opportunity to set yourself up for long-term wealth without unnecessary stress or hidden fees. In this episode, I cover: How to lock in the best mortgage rates before your renewal The importance of strategizing before you sign The benefits of consolidating debt into your mortgage Why your renewal is an ideal time to remove consignors and guarantors How accelerated payment options can help you save on interest and build wealth sooner The cost of waiting until midterm and why acting at renewal keeps more money in your pocket If your renewal is coming up, book a free call with me at www.Bricallme.com and let’s explore what makes the most sense for your household. The right advice at the right time can move you closer to homeownership and long-term wealth. Thanks for listening, and I’ll be back next week with another practical tip for first-time homebuyers in Ontario.  Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on the podcast, I answer one of the most common questions I hear from first-time home buyers in Ontario: what is the difference between a cosigner and a guarantor? We dive into when each option makes sense, what lenders look for, and the important considerations you need to understand before asking someone to help you qualify for a mortgage. In this episode, I cover: • The key differences between a cosigner and a guarantor and how each impacts your mortgage application • Why lenders may require a cosigner even if you earn a good income  • When adding a cosigner or guarantor can help you buy your first home and when it could create bigger financial challenges down the road • The responsibilities your cosigner or guarantor takes on and what happens if mortgage payments are missed • The risks of relying on a cosigner or guarantor to increase your purchase price and how to avoid becoming house poor • How to remove a cosigner from your mortgage in the future and why having an exit strategy is essential before signing any documents Are you considering adding a cosigner or guarantor to your mortgage application and want advice tailored to your situation? Book a free consultation with me using the link below! Before you go, please leave a like and subscribe to the podcast for more expert insights on the steps for becoming a homeowner in Ontario! Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on Homeowner AF, I tackle one of my biggest frustrations as a mortgage professional: the misconception that single Canadians cannot buy a home. I break down strategies for single first-time homebuyers in Ontario and the support available to make homeownership achievable. Tune in to feel empowered, informed, and ready to take your next step toward owning your first home in Ontario. In this episode, I cover: How single-income applicants can navigate the mortgage process and prepare financially for their first home Strategies for maximizing down payment savings, including owner-occupied rental opportunities Accessing municipal down payment assistance programs in Ontario to support your purchase Understanding co-signer or guarantor options and how they can help single buyers enter the market If you found this episode helpful, please leave me a like and review. Get your question answered on the podcast by heading over to my socials and sending me a DM or voice note. I’ll see you next time! Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on Homeowner AF, I’m breaking down what exactly happens after your offer is accepted on a home in Ontario. Most first-time home buyers think the hard part is over once the seller says yes, but the truth is, some of the most important steps are only just beginning. If you’re buying your first home in Ontario, an understanding of this stage can save you stress and surprises.  In this episode, I cover: What happens during the critical 5 to 10 business day conditional period  The truth about deposits, down payments, and when your money is actually at risk  The documents lenders may still request after your pre-approval  How appraisals can impact your mortgage approval and purchase price  The risks of going in firm without a financing condition in a competitive market  The importance of having a fully reviewed pre-approval before you go house hunting Do you have more questions about the home buying process in Ontario? Send me a message at hello@briannagoslinmortgages.com or a voice note over on my socials to be featured on the podcast. Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Welcome back to Homeowner AF! Today on the podcast, I'm breaking down how gifted down payments work for first time home buyers in Canada and what you need to know before using gifted funds toward your home purchase. I also share advice for buyers who are saving without family support and explain why having a strategic homeownership plan can still move you closer to buying your first home in Canada. Whatever your situation, I'm here to get you closer to your goal!  In this episode, I cover: Who can gift funds and what lenders typically allow The paperwork and bank documentation needed for mortgage approval Why closing costs may still need to come from your own savings What borrowers need to know before accepting gifted funds from family How working with a mortgage agent early can help speed up your home buying journey If you’re preparing for a mortgage pre-approval or wondering how gifted funds affect your mortgage application, this episode will help you understand the process with confidence.  Send your podcast questions to hello@briannagoslinmortgages.com and my socials below, or send me a voice note to be featured on the podcast!  Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Many people assume that once they’re pre-approved, everything is set. Today on Homeowner AF, I’m sharing why this is a myth and exactly what you should avoid doing after receiving your mortgage pre-approval. If you’re a first time homebuyer, you’re going to want to listen in so you can avoid these common mistakes.  In this episode, I cover: The three key factors your pre-approval is based on and the importance of not making any changes to them Why co-signing any loan can potentially nullify your pre-approval How switching jobs during the pre-approval period can impact your mortgage terms, even if it’s to a higher paying job The importance of managing your credit after you’ve been pre-approved Why you must communicate any changes to your down payment to your mortgage broker If you found today’s conversation helpful, give this episode a like and review. If you'd like to discuss your specific situation, book a free call with me. Stay tuned for more insider tips to help you navigate the home buying process. Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on the podcast, I walk you through exactly what happens after you’ve been pre-approved and how to confidently move forward in your home buying journey. We dive into the practical next steps every first time home buyer in Ontario needs to take to turn that pre-approval into a successful home purchase. In this episode, I cover: How to choose the right realtor and why finding someone who aligns with you is key to your homeownership experience Why you need to send me MLS listings before making an offer and how I help determine your maximum offer price How property taxes, rental income potential, and interest rate changes can impact your affordability and mortgage strategy The hidden red flags in properties that could get your mortgage declined by lenders or insurers What documents need to be updated quickly to meet financing conditions and avoid delays How to protect yourself with the right financing conditions and why doing your due diligence upfront is critical as a first time home buyer I hope this episode helps you make the move from pre-approval to purchase with clarity and confidence! If you’re in the process of becoming a first-time homeowner in Ontario, subscribe to the podcast for more expert advice. Specific Questions?  Ready to get started? Book a free call with Brianna: www.Bricallme.com Join my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebites Website: http://www.briannagoslinmortgages.com Instagram: https://www.instagram.com/briannagoslinmortgages Facebook: https://www.facebook.com/brianna.goslin.mortgages LinkedIn: https://www.linkedin.com/in/briannagoslinmortgages