4 Easy Steps To Home Ownership

Rita Cousins Senior Mortgage Advisor • June 15, 2022

For first time home buyers the buying process can be overwhelming. Getting to know your options, calculating
the costs and getting a mortgage pre-approval can jump start your process. Following these four easy steps will increase your confidence and ready you for your first step into home ownership.

1. Connect

It’s time to meet with your mortgage broker to discuss
your financing options and confirm that you are financially
ready to buy a home.


2. Select

Your broker will discuss mortgage terms and interest
rates and will explain what you must do to ensure that
you get approved for a mortgage once you find your
home. You will work together to select the right
mortgage package that fits your lifestyle and needs.

3. Find a home

Now that you have a clear picture of your finances and mortgage options, it’s time to start thinking about the kind
of home you want to buy.


4. Make an offer & close the deal

Congratulations! You’ve chosen a mortgage that works for you, found a home that fits your budget and put together your home buying team. Now it’s time to make an offer and close the deal!

I can help simplify the home buying process for you! Contact me today!

πŸš— Live Traffic Views in Langley

By Andy Schildhorn • November 13, 2025
The Township of Langley Traffic Cameras for up to date traffic information. Click here

πŸ—οΈPre-zoning to up to 12-storey in parts of Langley Township

By Andy Schildhorn • November 12, 2025
Langley Township will allow buildings between six and 12 storeys tall in pre-zoned areas along parts of 200 Street, council has decided at its Monday, Nov. 3 meeting. πŸ‘‰ More Details Here

🏑 Fraser Valley Market Update | October 2025

By Andy Schildhorn • November 11, 2025
Fraser Valley home prices have now fallen for seven straight months — here’s what it means for buyers and sellers. πŸ“Š October 2025 Fraser Valley Market Overview Fraser Valley home prices have now fallen for seven straight months — the longest correction since 2019. According to the Fraser Valley Real Estate Board’s October report: 🏠 Sales: 1,123 homes sold (+17% MoM / –16% YoY) πŸ“ˆ Active Listings: 10,121 (+15% YoY) πŸ“‰ Sales-to-Active Ratio: 11% → firmly a buyer’s market πŸ’° Benchmark Prices 🏑 Detached: $1,411,900 (–0.6% MoM / –5.1% YoY) 🏘️ Townhomes: $786,000 (–1.2% MoM / –5.6% YoY) 🏒 Condos: $506,400 (–0.8% MoM / –6.8% YoY) πŸ“Š Composite: $919,900 (–0.7% MoM / –5.3% YoY) πŸ’Ή Interest Rates & Economy The Bank of Canada rate holds at 2.25%. Inflation is easing, but tariffs and a slower global economy add uncertainty. Major banks remain split — some expect stability through 2026, others forecast small rate cuts next year. πŸ’¬ Real Client Story One of my recent clients moved from Vancouver Island to Langley to be closer to family — proof that even in a slower market, the right timing and strategy still create success. πŸ“– Read her review: πŸ‘‰ https://rankmyagent.com/agent/reviews/171562 🧭 What This Means for You If you’re buying, inventory is strong and competition is light. If you’re selling, pricing for today’s reality — not last year’s memory — is key. After seven months of price declines, the market is recalibrating — not crashing. With realistic pricing and a clear plan, opportunities are still out there.
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