Buying your first home is a huge milestone and we know there’s a lot to consider.
In this exciting journey, we’re eager to help you every step of the way.
To ensure your home buying experience is seamless, start your journey with KCU and follow these simple steps.
Knowing what you’re looking for in a home helps you to narrow your search. Make a list of ‘must haves’ and a second list of ‘nice to haves’. For example, what neighborhood do you want to live in? Are you looking for a single-family home, townhouse, or condo? How many bedrooms and bathroms must you have?
When you’re deciding how much to borrow, it’s important to understand and consider several costs associated with home ownership. These include your down payment, lawyers’ fees, property purchase tax, home insurance, and continuous costs for maintenance and repairs.
A pre-approved mortgage arms you with the tools and confidence to search for a home in your price range and make an offer when you find it. It also expedites the process when you’re ready to purchase. We’ll help you get pre-approved and guarantee your mortgage interest rate for up to 90 days.
Work with a professional real estate agent for valuable insight into the housing market, including property values, specific information on neighborhoods, and zoning regulations. A realtor also ensures you have all the information you’ll need to make your decision on a home, then helps you write and negotiate your offer to purchase.
You have found the home you wish to purchase and made an offer. Once your offer is accepted, your real estate agent prepares the documents to share with KCU and your lawyer in order to finalize your purchase and set up your mortgage.
Purchasing a home is one of the most significant investments you will make. It’s critical to safeguard your asset through homeowner insurance coverage, and is required by all mortgage providers.
Our Senior Advisors provide you with personalized mortgage advice and information. Whatever your mortgage needs, we’ll help you:
The rates are effective as of March 30th, 2020 and are subject to change without notice. Some restrictions may apply.
Immigrating to Surrey was a challenge, but we feel great now that we are settled
Ameek Singh and his family immigrated to Surrey in 2018. There were some challenges to overcome but with some careful planning the family was able to get settled and start their new life in Canada. Learn how Ameek and his family:
Use the mortgage calculator to determine how much you can borrow and to estimate your
monthly mortgage payment.
Extended hours to help you
Mon-Fri 10:00 AM- 8:00 PM • Saturday 10:00 AM- 5:00 • Sunday 12:00 PM- 4:00 PM