Buying your first home in St. Thomas, London, Elgin or Middlesex County is exciting and maybe a little intimidating. Don’t worry! I have helped many first-time buyers navigate this journey, and I am here to make it simple, stress-free, and even a bit fun. Whether you’re dreaming of a cozy bungalow in Lake Margaret, a townhome near Mitchell Hepburn, or a starter home in London close to local trails, these 11 easy steps will help you feel confident and ready for the next chapter.

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Step 1: Know Your Numbers 

Before you fall in love with the perfect kitchen, get cozy with your finances.
What can you comfortably afford each month? Don’t forget extras like property taxes, insurance, utilities, and maintenance. Create a “comfort zone” budget, not a stretch zone.

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Step 2: Check That Credit 

Your credit score is your mortgage BFF.
A higher score means better rates and more lender options.
Check your report early and fix any surprises before you start shopping. Tip: sites like Equifax Canada or Borrowell make this easy!

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Step 3: Get Pre-Approved 

Before you start scrolling listings, talk to your lender.
A pre-approval tells you how much you can borrow and shows sellers you’re serious and making your offer stronger when the right home comes along.

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Step 4: Create Your “Must-Have” List 

Bedrooms, bathrooms, yard, garage, school district.  What really matters to you? Separate your must-haves from your nice-to-haves so we can focus your search and find the home that fits your lifestyle.

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                                                                            Step 5: Team Up With a REALTOR® 

Hi, I’m Charlene nice to meet you! 
As your REALTOR®, I’ll guide you through each step, handle the paperwork, coordinate showings, and negotiate with care and experience. You’re not doing this alone let’s make it stress-free together.

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Step 6: Let the House Hunt Begin 

This is the fun part! We will tour homes, explore neighbourhoods, and get a feel for where you truly see yourself. Keep an open mind sometimes the “one” surprises you!

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Step 7: Make an Offer 

Found the home? Time to make your move!
I’ll help you write a smart, competitive offer that protects your interests while keeping your goals front and centre.

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Step 8: Inspection Time 

A licensed home inspector ensures your new home is safe and sound.
If issues come up, we will review the options together repairs, negotiations, or re-evaluating your decision. No surprises here!

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Step 9: Finalize Your Financing 

Once the inspection is complete, your lender will finalize the mortgage details. Provide your documents (pay stubs, bank info, etc.)                                                                                  quickly so we can stay on track for a smooth closing.

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Step 10: Closing Day 

Sign, pay, and get the keys!
It’s official you’re a homeowner. I will walk beside you every step of the way.

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Step 11: Move In & Celebrate 

Welcome home!
Light a candle, take a deep breath, and enjoy the space that’s now all yours. You’ve earned this moment. And just like that… your new chapter begins.

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Final Thoughts

Buying your first home can feel like a lot, but with the right guidance (and maybe a few snacks along the way), it’s totally doable and even enjoyable.If you’re ready to take the next step, I’d love to help you open the door to your very first home.