Your Best Interest

Step 1: Education

The first step in the Your Best Interest program is education. The lender works with the customer to assess their financial goals and provide them with personalized information and resources on the homebuying process. This will include information on the types of mortgages available, mortgage rates, and what to expect during the lending process.

• Pull your free credit report with Credit Sense
• Build Your Budget – visit our First Time Home Buyers page to learn more about how to build your budget and find out what you are spending and where. 
  Learn about best practices to budget

Step 2: Right-Sizing the Mortgage

The second step in the Your Best Interest program is right-sizing the mortgage. The lender will work with the customer to determine how much they can afford to borrow, taking into account their income, debt, and other financial obligations. This will help the customer avoid taking on too much debt and ensure that they can comfortably afford their monthly mortgage payments.

• Estimate your home buying power with our Mortgage Affordability Calculator
• The lenders have assembled a simple worksheet to help you prepare and avoid the common pitfalls as you work towards applying for your mortgage. Start getting ready to buy your home with our Ready to Buy Checklist

Step 3: Maximizing the Value of the Home

The next step in the Your Best Interest program is maximizing the value of the home. The lender will work with the customer to identify areas where the home can be improved to increase its value. This could include minor repairs, upgrades, or renovations that can help the customer build equity in the home and increase its overall value over time.

Download our Home Loan Toolkit to work through the home-buying process from start to finish. 

Step 4: Friends For Life

The final step in the Your Best Interest program is ongoing support. The lender will continue to work with the customer throughout the life of the mortgage, providing them with guidance and support as needed. This will include regular check-ins to ensure that they are still on track to meet their financial goals and to see if any adjustments need to be made to their mortgage or home improvement plans.