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Free Guide

Everything you need to buy your first home

The Home Buyer's Guide walks you through every step — from your first budget conversation to picking up the keys — so nothing catches you off guard.

  • How much you can actually afford
  • Every cost beyond the purchase price
  • A step-by-step timeline from offer to closing
Download your free guide
What's Inside

A chapter for every step

Budgeting & affordability

What lenders actually look at, and how much home that really buys you.

Down payments & closing costs

Every cost beyond the purchase price, laid out line by line.

Getting pre-approved

What to have ready, and how a pre-approval actually strengthens an offer.

From offer to keys

A step-by-step timeline of what happens, and when, between an accepted offer and closing day.

A look inside

Getting started with a broker
Getting started with a broker
Choosing the right mortgage
Choosing the right mortgage
Savings programs for every buyer
Savings programs for every buyer
Why It Matters

Real answers, not just homework

This isn't generic advice pulled off the internet. It's written by Ottawa brokers, for Ottawa buyers, and it's meant to be read alongside a real conversation with a real person — not instead of one.

  • Plain-language explanations, no jargon left unexplained
  • Local context — Ottawa land transfer tax, programs and lenders
  • Built to be read once and kept for reference through closing
Get your copy
Client Stories

Home buyers like you

“Hi Josie! We celebrate the Most High God for His Goodness to us! And we express our gratitude to God for the instrument you have been in His Hands to help us out in this situation. Thank you and thank you 😊 . When I see how hard you’ve…
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A&M
“My sister and I bought our first home this year. We worked with Josie Mourtos and she delivered an excellent service. She was able to find us the best rate available and we were approved quickly. She was always available whenever we had any…
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Coco Nut
“Working with Josie made everything so much easier. She was so pleasant to speak with and managed everything in such a professional manner. She&#39s very knowledgeable and gave us great advice. I will definitely continue to use her in the…
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Connie and Joe
“She was so helpful with our first home and then with our second house. She is so knowledgeable and friendly. I would recommend her over and over again.”
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Courtney
“As first time home buyers we were unfamiliar with the process of purchasing a house. Working with Josie was an amazing experience. She not only secured us the best possible rate but patiently and thoroughly explained each step of the…
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Dahlia & Josh
“We are humbled before Almighty God this moment, crying for him to remember you and your family in every angle of your life. Thank you for what you have done for us,and the sacrifice you made for us. Regards Evan”
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Evan
“Hi Josie! We celebrate the Most High God for His Goodness to us! And we express our gratitude to God for the instrument you have been in His Hands to help us out in this situation. Thank you and thank you 😊 . When I see how hard you’ve worked on this ... working at times so late in the night. We can only say thank you, and knowing that God is the one to reward you hundreds times. Be abundantly blessed 😊😊😊. A&M”
A&M
“My sister and I bought our first home this year. We worked with Josie Mourtos and she delivered an excellent service. She was able to find us the best rate available and we were approved quickly. She was always available whenever we had any concerns or questions. I highly recommend Josie Mourtos from Mortgage Brokers Ottawa to all first-time home buyers in the National Capital Region. Thank you Josie. We truly appreciate your professionalism and your patience. We will keep your number for when the time comes for our second purchase.”
Coco Nut
“Working with Josie made everything so much easier. She was so pleasant to speak with and managed everything in such a professional manner. She&#39s very knowledgeable and gave us great advice. I will definitely continue to use her in the future .”
Connie and Joe
“As first time home buyers we were unfamiliar with the process of purchasing a house. Working with Josie was an amazing experience. She not only secured us the best possible rate but patiently and thoroughly explained each step of the process along the way. She is extremely knowledgeable and professional and worked VERY hard to get us into our first home. We couldn&#39t be happier with her services and would recommend her to ANYONE looking to buy a home! Thank you Josie!”
Dahlia & Josh
Ready When You Are

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