Read Our Reviews

Client First Mortgages is rated 4.76 out of 5.0 stars based on 42 review(s).

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Steve made it very easy and simple got a great rate for us highly recommend

- Derek Doucette

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Steve offers outstanding service! Covers all bases for very smooth transitions through the entire process. Thank you.

- Jamie Parkin

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Great guy great service

- William Carrie

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Excellent, professional, efficient. Impressive. Very thankful to have Steve organize the deal.

- Cheryl Harrington

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I was very impressed with the service I received with ClientFirst. I highly recommend them. Very professional and knowledgable.

- Susan arnold

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Very good

- Todd Wiebe

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Steve was extremely helpful, knowledgeable and prompt. He made the process and my options easy to understand and I would highly recommend him to anyone.

- Glen Fishbook

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Steve is fantastic, gets the job done with little fuss and he is clear in explaining the process and mortgage products

- Timothy McCutcheon

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Great service! Thanks Steve!

- Clive Ivins

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Thanks for the work and time you did Thanks again

- Ricky Vella

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Steve was very organized, informative, punctual, and reassuring especially with everything going on with the pandemic and not being able to meet people in person.

- Brodie Procyk

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Very professional, and well informed. I appreciated the advice and service. Steve kept me informed of the latest information and market advice, and quickly helped with my mortgage needs and future planning. I would definately recommend, and will use again Client First Mortgages.

- Susan Arnold

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Steve is very professional and made the mortgage process quick and easy!

- Kent Senko

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This was our first home purchase, Steve was very patient with us, not only explaining all the steps of the mortgage application process but also walking us through various scenerios and concerns.

- Robert Gora

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I would highly recommend Steve DSouza as an amazing mortgage broker. This was my first experience with using a mortgage broker and I must say that he was so on top of every part of the process, extremely professional, and got us an amazing result in a very timely manner, especially through this COVID-19 time in our lives. I highly recommend using Steve DSauza for your mortgaging needs.

- Lynn Anderson

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Steve made the mortgage process smooth and simple. As questions arose, communication was clear and helpful. As a first time a first time home buyer, the learning curve of finding an ideal mortgage resembled less of a mountain and more of a hill. Would recommend.

- Joel MacLean

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Hey there Steve. You made the process smooth and informative; you brought clarity when answering questions and it couldn't have been a better process. The place is great, and our transition into it has been easy! We will definitely recommend your services to friends and family.

- Joel M and Aaron M

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First Class

- Richard Brown

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Steve was very helpful from the beginning. He was knowledgeable and professional. Highly recommended!

- Alan Braun

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This was my first time using a Mortgage Advisor and I wasn't disappointed. Nathan was professional, helpful, knowledgeable, and so informative. I got a great rate on my mortgage. I would definitely recommend Nathan to my friends and family.

- Jennifer Baillie

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Very professional and got me a great rate!

- Pamela House

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great job

- Nelson Talbot

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Great to work with; knows his stuff.

- Scott Walters

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Had the privilege of working with Steve D'souza as my mortgage advisor. He went over and above for me and gave me all the information when it comes to the fine details of the mortgage and the best deal. Will definitely be recommending Steve to all my friends and family.

- William Lawless

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We’ve worked with Nathan Isherwood twice now and the process is easy for clients who might not be doing mortgage applications often and his explanations are clear and easily understood.

- Greg Basham

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We've worked with Nathan Isherwood twice now and the process is easy for clients who might not be doing mortgage applications often and his explanations are clear and easily understood.

- Greg Basham

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Steve was easy to work with! He made the process smooth and reduced the stress of financing. His communications were clear and timely. We would definitely use his services again.

- Lisa-Dawn Markle

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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Steve! Thank you so much for everything, the mortgage process was seamless and pleasant. Usually a stressful process but you made it so much better, Star and Nabi

- Setareh Doustdar-Haghighi

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Steve always makes himself available, even for the most simple of questions.

- David McKillop

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We recently purchased an investment property and had Steve help us out. He was able to get us qualified at a lower rate and for more money than the bank. He was a pleasure to work with.

- Brad Davis

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We had a really short contract period but Nathan was able to get us approved at a great rate and without any hassles. The whole process was smooth and stress free. Thanks.

- Bradley Davis

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Steve was so helpful, calm, and encouraging every step of the way - he made what could be a very stressful process as smooth and painless as could be. Thanks Steve!

- Natalie Jones

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We are very happy with our dealings with Nathan. He was able to set up things for us quickly and answered any questions or concerns we had.

- Constance Robson

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This is our second time using Steve as our mortgage broker. He goes above and beyond every time. Always answers questions we have no matter how big or small, and lets us know what is going on every step of the way! He’s amazing at his job and very knowledgeable!

- Jennifer Boyes

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No one better than Nathan

- Michelle Lycan

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Steve's caring and knowledge was essential.He is an asset to your company!

- Hooshang Jafarzadeh

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Excellent experience. We will highly recommend Steve.

- Christopher Rankin

First Time Home Buyer Incentive Program

The first thing any prospective home buyer needs to do, is determine whether they can afford to buy the home they want. The first-come, first-served program will see federal funds pick up 5 – 10% of a mortgage depending on the type of property that is being purchased. In all cases, you must meet minimum down payment requirements with traditional sources. By obtaining the Incentive, the borrower may not have to save as much of a Down Payment to be able to afford the payments associated with the mortgage.

There are a few notable conditions to watch out for, which have come under fire since the plan’s March announcement:

  1. First, to be considered eligible, applicants must not have owned a house in the last four years – exceptions will be made for those in a ‘breakdown’ of marriage or common-law partnership.
  2. Second, a home buyer’s combined annual household income must be lower than $120,000 before taxes and deductions.

How does the FTHBI Program work?

In exchange for providing the assistance through the FTHBI program, you agree that the Program Administrator will be entitle to share in the upside or downside of the market value of the home at the time of repayment.

Example: Anita wants to buy a new home for $400,000 and has saved the minimum required down payment of $20,000 (5% of the purchase price). Under the First-Time Home Buyer Incentive (FTHBI), Anita can apply to received $40,000 in a shared equity mortgage (10% of the cost of a new construction home) through the program. This lowers the amount Anita needs to borrow and reduces the monthly expenses.

As a result Anita’s mortgage is $228 less a month, or $2,736 a year.

Then years later, Anita sells the home for $420,000. The Incentive will need to be repaid as a percentage of the home’s current value. This would result in Anita repaying 10%, or $42,000 at the time of selling the house.

When does the Incentive have to be repaid?

The Homebuyer will be required to repay the Incentive after 25 years from the date of the purchase of the home, or when the home is sold, whichever comes first. In the event of a sale, the Homebuyer must notify the Program Administrator in advance and seek concurrence as to the market value of the home. In the event of a prepayment, the Incentive may also be repaid in full, by the Homebuyer at any time, subject to the amount being repaid being approved by the Program Administrator.

How do I apply?

Step 1: Learn more about the program: First you need to check if you qualify for the First-time HomeBuyer Incentive. This step will reflect what your maximum purchase price would be and what your savings will be.

Step 2: Choose your Incentive and Apply: Read, print and sign the Information Package together with the Canada’s FTHBI Program Attestation, Consent & Privacy Notice both available on the FTHBI Program website. Take the executed Canada’s FTHBI Program Attestation, Consent & Private Notice with you to your first mortgage broker.

Original article: www.placetocallhome.ca