Home Ownership Process

Home Ownership Process

Get Pre-approved and find your dream home
Get a mortgage approval

You will need a formal mortgage approval to ensure the lender approves the required financing on the property you chose. A mortgage appraisal might be requested by the lender at this stage. (Cost average: $250-$500)

Arrange for a home inspection

  • It’s always advised to get a home inspection to make sure there are no surprises.
  • Cost average $500

Make the deposit

A deposit must be made when you make the offer to purchase. This will count as part of your down payment.

Shop for home insurance

Start your search for home insurance. This needs to be in place at closing and will be requested by the lawyer and lender.

Ongoing consultation.

I’m always available even after your deal closes to answer any questions or concerns you may have down the road.

Make your down payment

Your down payment amount must be made at closing. Remember your deposit will be part of that amount.

Get title Insurance

Covers any loss caused by problems in the ownership of the property.

Reimburse pre-paid property taxes

Reimburse the seller for any amounts already paid for in advance.

Land registration/transfer

Only required in some provinces and is a percentage of the home price. Remember if you are a first time buyer you may qualify for a rebate.

Pay your lawyer

Once the sale if complete you will need to pay legal fees. Cost average $1200


  • Referring u to friends/family is easy. I am picky and you addressed all my questions/concerns in a timely and professional manner. You were also extremely knowledgeable and provided me with some key information that assisted me in getting a property that meets all my needs by telling me about the home improvement loan from the bank.

    — Sophia
  • I have known Steve Bryan for the past three years …

    At our meeting I told him I was looking for a second mortgage on my home, he explained the steps involved in the process with great clarity he was very articulate, professional and effective. Steve was able to secure the mortgage with B2B bank at a reasonable interest rate and to my satisfaction.

    What I appreciated most was Steve’s dedication, commitment and driving results, I will recommend him to anyone in the future.

    — Judith D.
  • If you’re looking for someone that will work for you and have your best interests at heart your search stops here. Steve fights for his clients to the end and never gives up on a deal until he gets it done. Thank you Steve.

    — Shelley D
  • We were recommend to Steve by a family friend and he was very professional and took the time out to lets us understand the pros and cons for what we wanted to do. When we decided what we wanted to do he gave us the best option. He’s patient and he makes sure you have all required documents before proceeding. I would recommend him to everyone.

    — Damian H
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