What to Expect (Step-by-Step)

1. Clarify What You Want
   We’ll review your wishlist—location, budget, must-haves—so we know what “home” really means for you.
2. Financing & Budget Guidance
   I’ll connect you with trusted lenders, help you understand down payments, monthly costs, and what fits your financial picture. 
3. Neighbourhood Guidance
   Want schools, amenities, market data, or future growth? We’ll look into neighbourhoods together until it feels right. 
4. House Search & Viewings
   I’ll line up homes that check your boxes, prepare you for what to look for, and help you compare.
5. Offer & Negotiation
   When you're ready, I’ll guide the offer process to protect your interests and get the best possible deal.  
6. Closing & Move-in Support
   We’ll take care of inspections, final paperwork, and help smooth the transition into your new home — and yes, I’ll still be here after you get the keys.

First-Time Buyer & Special Programs

Here are some programs available locally & province-wide that can make buying more affordable:

First-Time Home Buyers’ Tax Credit (HBTC) — A federal non-refundable tax credit available to first-time buyers that helps offset some of the costs of purchasing a home (legal fees, inspections, etc.).

Ontario Land Transfer Tax Rebate — First-time buyers in Ontario may get a rebate up to $4,000 on land transfer tax. 

GST Exemption on New Builds — for first-time home buyers, the government will provide 100% GST rebate on new homes up to $1 million and reduce the GST on new homes between $1 million and $1.5 million.

Welcome Home Niagara Homeownership Program — Offers down payment help through a 10% interest-free loan (up to a maximum) for first-time home buyers in Niagara Region. Niagara Region

RRSP Home Buyers’ Plan — you can use up to $60,000 from RRSPs toward your first home purchase (or more concurrently with partner).

Why Work with Me

Local know-how: I’ve worked with buyers just like you across Hamilton and Niagara, listening deeply to what matters most.

Full support: From wish-list to closing—and beyond—I make sure things don’t slip through the cracks.

Transparency & trust: I show you what to expect, what things cost, and guide you honestly every step.
 

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Ready When You Are

Let’s talk about what “home” means for you. Whether it’s finding the right neighborhood, choosing the right type of home, or tracking down special first-buyer programs, I’m here to help.