The process of home ownership begins by submitting our secure online application to determine your eligibility into the program. Upon receipt of your application, we will contact you to discuss the information you submitted to us. Next we will need a copy of your credit report. You can supply this to us or we can have one of our financial partners check it for you. We will review your report with you to ensure you have a clear understanding of your current financial situation. Finanlly we will customize a homeownership action plan to successfully get you into a home of your own, sooner than you may think.
To qualify for the home ownership program, the following criteria should be met:
As a qualified applicant, you can choose any location or neighborhood you wish within the province of Nova Scotia. When you apply, our financial team will assess your situation and approve you for purchase or provide you valuable information on what you must do to prepare for home ownership. If you qualify, we can then meet with you to discuss your needs and various down payment options. A team member will happily show you our properties and different designs we have available for new construction or you can also choose any property on the market if our designs don't meet your criteria.
Not long at all. On average, the process can take about 90 days from date of approval to move in date depending on your needs and specific criteria.
Typically, your monthly mortgage payment will be less than the cost of renting. Once you are pre-qualified, we will review your financial situation to determine a payment that you can afford and are comfortable with.
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