For First-Generation Homebuyers
First-Time Buyer Mortgages
Janice Mejias guides first-time buyers in Kitchener-Waterloo through pre-approval, lender selection, and closing, with plain-language guidance in English or Spanish and access to 90+ lenders.
Call 437-475-4838Buying your first home in Canada is a sequence of about a dozen decisions, and nobody hands you the list. Pre-approval before house hunting. Fixed against variable. Deposit against down payment. What the stress test does to your budget.
Janice specializes in first-generation buyers, people who are the first in their family to buy in Canada and cannot call a parent to ask how it works here. Every step gets explained before it happens, in English or Spanish, with no pressure and no jargon.
What you get
Pre-approval first
Know your real budget and lock a rate hold before you fall in love with a house.
First-time buyer incentives
RRSP Home Buyers' Plan, FHSA, land transfer rebates, we make sure nothing is left unused.
Stress test math up front
We show you the qualifying number and the actual payment side by side.
Offer-ready support
Fast turnaround on financing conditions when you find the right place.
How it works
Free consultation
Goals, income, savings, timeline. Thirty minutes, English or Spanish, no commitment.
Pre-approval
Documents in, rate held, budget confirmed. Now you can shop with confidence.
Offer to keys
We manage financing conditions, lender paperwork, and lawyer handoff through closing day.
Common questions
Five percent on the first 500,000 dollars of the price and ten percent on the portion above that, up to 1.5 million. Below twenty percent total, mortgage default insurance applies and is added to the loan.
Keep reading
Talk it through. Free, in English or Spanish.
A 30-minute call with Janice Mejias, Mortgage Agent Level 1, FSRA #13669. No fees, no pressure.
Call 437-475-4838