![House](https://static.wixstatic.com/media/27512c0cbb2b4033a1732640da816432.jpg/v1/fill/w_147,h_98,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/27512c0cbb2b4033a1732640da816432.jpg)
Kirk Fournier
Mortgage Agent
The First Time Buyer Specialist
![Kirk3.png](https://static.wixstatic.com/media/15ba89_889b4e422ade4d5fb8bd9388bf2f683f~mv2.png/v1/fill/w_289,h_343,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/Kirk3.png)
I was 6 years old when I opened my first bank account.
I was 8 years old when I got my first paying job.
I learned the value of a dollar at a young age. My passion is helping people keep their hard-earned money while helping them buy their dream home.
Bring broker tools to your smart phone!
What can you do with my app:
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Calculate your total cost of owning a home
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Estimate the minimum down payment you need
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Calculate Land transfer taxes and the available rebates
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Calculate the maximum loan you can borrow
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Stress test your mortgage
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Estimate your Closing costs
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Compare your options side by side
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Search for the best mortgage rates
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Email Summary reports (PDF)
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Use my app in English, French, Spanish, Hindi and Chinese
Programs for Mortgage Virgins
Canada has a very large housing market and in some regions originally attempting to buy a home can be quite challenging. Purchasing for the first time can be expensive and stressful. We are extremely fortunate to have a government in Canada that is constantly working on programs that try and provide some financial relief to first timers.