Mortgages are complicated. Shaun Francis is the Principal and Senior Mortgage Consultant at Bespoke Lending Solutions and joins James and Denny to share information with anyone with a mortgage or anyone looking to buy their first home. This episode will focus on how to afford a mortgage, figuring out a budget, minimum down payments, the first time Home Buyers’ Plan, real estate investments and the stress test. Podcast Videos can be found on the Garbutt + Dumas Real Estate Team channel // Email us at garbuttdumaspodcast@gmail.com, Instagram – garbuttdumas, garbuttdumas.ca/ // Shaun Francis: Instagram – shaunfrancis, bespokelendingsolutions.com/ // James Garbutt: Instagram – jamesgarbutt, jamesgarbutt.com/ // Denny Dumas: Instagram – denny.dumas, dennydumas.com