Feeling Stuck in Today’s Housing Market?
Wanting to get out of renting in Kelowna or Vernon? You’re not alone in wondering if this is the right time to buy your first home. Between sky-high home prices, interest rates, and tight mortgage rules, many first-time buyers are wondering if homeownership is even possible.
What’s Making It So Hard Right Now?
At Rampone-Marsh Mortgages, we understand the pressure. Housing prices in BC have more than doubled over the past decade, and while there’s been a market slowdown this spring and there is a lot for buyers to look at, affordability hasn’t exactly returned. Monthly payments are still tough—especially for young families or new professionals trying to get started.
Renting vs. Owning: Why a Mortgage Makes Sense
With rents also climbing fast, many are realizing that paying a mortgage could actually cost the same—or less—than rent. The difference? You’re building equity in your future, instead of paying someone else’s.
Navigating Rules, Regulations & Reality
And let’s not forget the ever-changing mortgage regulations—from stress tests to minimum down payments. BC buyers are facing tighter qualification rules, higher costs, and more uncertainty than ever.
How a Mortgage Broker Can Help
That’s where we come in. As experienced mortgage brokers, we know how to:
- Explain what’s possible, not just what’s difficult
- Match you with lenders who work with first-time buyers
- Explore government incentives and flexible options
- Help you understand your true monthly budget
A Plan You Can Count On
Even if you’re not ready to buy right away, we’ll create a step-by-step plan to help you get there.
You’re Not Alone – We’re with You Every Step
You’re not alone. Rampone-Marsh Mortgages offers honest advice, smart strategies, and real support to help first-time buyers feel confident, prepared, and ready to buy.
Let’s Get You Home
At Rampone-Marsh Mortgages, we don’t just push paperwork—we partner with you for the long haul. Let’s talk. Your first home might be closer than you think.
