https://www.tmcgreatersimcoe.com/assets/home-purchase-loan-Dq_frGKj.js

1import{r as g,w as x,u as p,Y as f,G as y,p as b,q as i,j as e,H as w,f as v,m as l,B as n,A as j,X as N,L as t,N as k,F as C,Z as S,d as B,_ as H,Q as q,$ as s}from"./index-DAbSqcd1.js";import{B as A}from"./breadcrumb-DusOMBKl.js";import{R as P}from"./related-blog-posts-CR04BtHB.js";import{D as T}from"./dollar-sign-Chc_2_a7.js";function $(){g.useEffect(()=>{window.scrollTo(0,0);const r=x();p({title:"Home Purchase Mortgage Barrie & Orillia | Craig Brunsdon",description:"First-time buyers and move-up buyers in Simcoe County — Craig Brunsdon shops 60+ lenders to find your best rate. 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1our budget before you start house hunting. Craig shops 60+ lenders to lock in your rate for up to 120 days."},{title:"Property found — mortgage shopping begins",body:"Once you have an accepted offer, Craig submits your file to multiple lenders simultaneously to find the lowest rate."},{title:"Approval and commitment",body:"You receive a formal mortgage commitment letter. Craig reviews all conditions and guides you through fulfilling them."},{title:"Closing",body:"Craig coordinates with your lawyer to ensure funds arrive on time. You get the keys."}].map((r,a)=>e.jsxs("li",{className:"flex items-start gap-4","data-testid":`process-step-${a}`,children:[e.jsx("span",{className:"w-10 h-10 rounded-full bg-tmc-gold text-white font-bold flex items-center justify-center flex-shrink-0",children:a+1}),e.jsxs("p",{className:"text-lg text-gray-700 leading-relaxed pt-1",children:[e.jsx("strong",{className:"text-tmc-dark",children:r.title})," — ",r.body]})]},a))}),e.jsxs("p",{className:"text-lg text-gray-700 leading-relaxed mt-8 text-center",children:["Questions about the process? Browse our"," ",e.jsx(t,{href:"/faqs",className:"text-tmc-gold font-medium hover:underline","data-testid":"link-faqs",children:"mortgage FAQs"})," ","or"," ",e.jsx(t,{href:"/contact",className:"text-tmc-gold font-medium hover:underline","data-testid":"link-contact",children:"book a free consultation"}),"."]})]})})}),e.jsx("section",{className:"py-20 bg-white","data-testid":"craig-insight-section",children:e.jsx("div",{className:"container mx-auto px-4",children:e.jsxs("div",{className:"max-w-4xl mx-auto",children:[e.jsx("h2",{className:"font-bold text-3xl lg:text-4xl text-tmc-dark text-center mb-8","data-testid":"craig-insight-title",children:"The Most Common Mistake First-Time Buyers Make"}),e.jsx("blockquote",{className:"border-l-4 border-tmc-gold pl-6 text-lg text-gray-700 leading-relaxed italic",children:"The biggest thing I see first-time homebuyers continually get wrong is looking for the home before getting pre-approved. I always tell clients it's not necessarily an affordability issue — it's a qualifying issue. Even though they think they can afford it based on what they make, they don't understand how the actual underwriting process works, and it can set them up for failure. Get pre-approved first. Know your real number. Then start the search."}),e.jsx("p",{className:"mt-4 text-tmc-dark font-semibold text-right pr-6",children:"— Craig Brunsdon"})]})})}),e.jsx("section",{className:"py-20 bg-gray-50","data-testid":"faq-section",children:e.jsx("div",{className:"container mx-auto px-4",children:e.jsxs("div",{className:"max-w-4xl mx-auto",children:[e.jsx("h2",{className:"font-bold text-3xl lg:text-4xl text-tmc-dark text-center mb-12","data-testid":"faq-title",children:"Frequently Asked Questions — Home Purchase Mortgages"}),e.jsxs("div",{className:"space-y-8",children:[e.jsxs("div",{"data-testid":"faq-item-0",children:[e.jsx("h3",{className:"font-bold text-xl text-tmc-dark mb-2",children:"How much down payment do I need to buy a home in Ontario?"}),e.jsxs("p",{className:"text-lg text-gray-700 leading-relaxed",children:["In Canada, the minimum down payment is 5% on homes under $500,000, 10% on the portion between $500,000 and $999,999, and 20% on homes $1M and over. Use our"," ",e.jsx(t,{href:"/resources/affordability-calculator",className:"text-tmc-gold font-medium hover:underline","data-testid":"link-affordability-calculator",children:"affordability calculator"})," ","to see what you qualify for."]})]}),e.jsxs("div",{"data-testid":"faq-item-1",children:[e.jsx("h3",{className:"font-bold text-xl text-tmc-dark mb-2",children:"What is mortgage pre-approval and do I need it?"}),e.jsx("p",{className:"text-lg text-gray-700 leading-relaxed",children:"Pre-approval is a conditional commitment from a lender that confirms the maximum amount you can borrow and locks in a rate for up to 120 days. In a competitive market like Barrie or Orillia, sellers expect pre-approval before they'll take your offer seriously."})]}),e.jsxs("div",{"data-testid":"faq-item-2",children:[e.jsx("h3",{className:"font-bold text-xl text-tmc-dark mb-2",children:"What is the mortgage stress test and how does it affect me?"}),e.jsxs("p",{className:"text-lg text-gray-700 leading-relaxed",children:["The stress test requires you to qualify at the greater of your contract rate + 2% or 5.25%. This reduces your maximum purchase price by roughly 20–25% compared to qualifying without a stress test."," ",e.jsx(t,{href:"/contact",className:"text-tmc-gold font-medium hover:underline",children:"Ask Craig"}

1)," ","how to maximize your qualifying amount."]})]}),e.jsxs("div",{"data-testid":"faq-item-3",children:[e.jsx("h3",{className:"font-bold text-xl text-tmc-dark mb-2",children:"Can I get a mortgage as a first-time buyer with less than 20% down?"}),e.jsx("p",{className:"text-lg text-gray-700 leading-relaxed",children:"Yes — insured mortgages (CMHC, Sagen, Canada Guaranty) allow down payments as low as 5% on homes under $1.5M. CMHC insurance premiums are added to your mortgage, not paid upfront."})]}),e.jsxs("div",{"data-testid":"faq-item-4",children:[e.jsx("h3",{className:"font-bold text-xl text-tmc-dark mb-2",children:"What government programs are available for first-time buyers in Ontario?"}),e.jsx("p",{className:"text-lg text-gray-700 leading-relaxed",children:"The First Home Savings Account (FHSA), RRSP Home Buyers' Plan, Ontario Land Transfer Tax rebate, and the First-Time Home Buyer incentive. Craig reviews your eligibility for all programs during your free consultation."})]}),e.jsxs("div",{"data-testid":"faq-item-5",children:[e.jsx("h3",{className:"font-bold text-xl text-tmc-dark mb-2",children:"How does a mortgage broker get paid — does it cost me anything?"}),e.jsx("p",{className:"text-lg text-gray-700 leading-relaxed",children:"A common question we get is how we get paid. The simple answer is: from the lender. For most traditional business, the lender pays us directly, so there's no cost to you as the client. It doesn't get added to your premium. It's strictly compensation for bringing the business to them. So there's really no reason not to use a broker — you get access to 60+ lenders, independent advice, and it costs you nothing."})]})]})]})})}),e.jsx("section",{className:"py-16 bg-white","data-testid":"also-consider-section",children:e.jsx("div",{className:"container mx-auto px-4",children:e.jsxs("div",{className:"max-w-4xl mx-auto text-center",children:[e.jsx("h2",{className:"font-bold text-3xl lg:text-4xl text-tmc-dark mb-6","data-testid":"also-consider-title",children:"Also Consider"}),e.jsxs("p",{className:"text-lg text-gray-700 leading-relaxed",children:["Planning ahead? Learn about"," ",e.jsx(t,{href:"/mortgage-renewal",className:"text-tmc-gold font-medium hover:underline","data-testid":"link-mortgage-renewal",children:"mortgage renewal"})," ","so you're prepared when your term ends. Carrying other debt? Our"," ",e.jsx(t,{href:"/debt-consolidation",className:"text-tmc-gold font-medium hover:underline","data-testid":"link-debt-consolidation",children:"debt consolidation mortgage"})," ","might simplify your finances. 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