3 Ways to Make Homeownership a Reality.

In the past two years, the mortgage pre-approval process has become challenging.  However, with a little creativity and flexibility, there are ways to ensure a pre-approval and speed-up your homeownership status.

With these three steps, you will be on your way to adding homeowner to your list of accomplishments.


When was the last time you took a good look at your spending habits?  I mean a REALLY good look.  Begin by doing an audit of your bank statements to see where your money is going. You may be surprised how much money you spend on coffee, parking, lunches, or other luxury items that you can cut back or eliminate.  When applying for a mortgage, every dollar counts and with a proper audit of your funds, you can often save $20 to $100, or more, a week.  If this exercise feels overwhelming, Gail Sylvester Mortgages will guide you through the process – and even make it fun!


Location, location, location is the basis of real estate, but location shouldn’t be what holds you back from becoming a homeowner. You may want to live in a specific neighbourhood, but if finances are a barrier, widen your search beyond your original perimeters.  The best plan of action is to make a list of needs and wants. With this list, you can search for alternate neighbourhoods that deliver on your needs, wants, and budget.


The process of buying a home can be long and frustrating at times.  Adopting a winning attitude will help you get through the potential setbacks. With an unpredictable market, keeping a positive attitude and working with people you trust will ensure you achieve results. Buying a home is exciting, and it should feel that way.  Embrace the process, and in the end, your dream home will be yours.

Buying a home is the most significant financial decision you will make, and it is also one of the most exciting times in your life.  Let’s work together to get you and your family prepared for this incredible step.  Gail Sylvester Mortgages covers a range of services including, mortgage approval and renewal, private mortgages, home equity and lines of credit, and investment properties. We service clients in Ancaster, Binbrook, Burlington, Caledonia, Dundas, Flamborough, Hamilton, Stoney Creek, Grimsby, Niagara, and the surrounding areas.  Review our full list of services and contact us today – we are more than just mortgages.

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