Scott Gagnon
400 B Central Ave N6G 0W8 London, ON, Canada

Location! Location! Location! One of the most important things to look for when buying a home is a community where you will feel safe and comfortable and which ...is convenient for you and your family. Here are a few tips on how to choose a location that works for you: One major factor in choosing a location is where you work. If you don't want to spend a lot of time driving and enjoy hitting the snooze button like many of us, you want to make sure you choose a location that is close and suitable for you and your family. If you have children, look for a neighbourhood that is close to a good school as well as recreational facilities such as community centres, playgrounds and public parks. If you don't have a car, find a neighbourhood that is close to public transportation, medical and dental care as well as a shopping centre and grocery store. Lastly, get familiar with the neighbourhood before you decide to settle down. Take some time to drive or walk around the area both during the day and at night to see if its a good fit for you!

Purchasing your dream home on a budget can be a stressful task. With the Purchase Plus Improvement program, you are able to redesign and renovate a home within your price range, all while keeping additional costs down. Whether its a new floor, kitchen, roof or deck, this program allows you to include the cost of your renovations into your mortgage!

Now that kids are back to school and the first day of fall is right around the corner, one more thing to look out for is the First-Time Home Buyer Incentive. The Government of Canada website explains the program, defines eligible purchasers and even provides live training! Check it out!

When looking for a mortgage, there are 3 main factors that lenders tend to focus on. 1. INCOME - How much money do you make? Are you salaried or self-employed? 2. CREDIT - Are you a responsible borrower? What are your monthly payments?... 3. DOWN PAYMENT - How much do you have saved? What is the percentage? Completing the process of being pre-approved is easier than you think and allows you to know what market you can start looking at!

Everyone's constantly looking for ways to cut costs and put more money in the bank, so why not do something that requires little to no work! Refinancing your mortgage gives you the opportunity to save on a monthly basis for years to come! Reach out to see what I can do to help.