A Great Read for NEWCOMERS in Canada! The book presents an overview of what awaits newcomers, how they should essentially look at their PERSONAL FINANCE, ESTABLISH CREDIT and handle resources; and understand various aspects of MORTGAGES.   Do you aspire to become a FIRST-TIME BUYER and want to know when is a good time to buy a home you've been dreaming of? Are you TIRED OF RENTING? Have you applied for a mortgage? Have you been going through one lender to another, to no avail? Did you know how lenders look at you, RISKY BORROWER or QUALIFIED BORROWER?   Finally, here's a book written for FUTURE HOMEOWNERS!   This book will guide you HOW YOU CAN GET READY FINANCIALLY so you can QUALIFY for a MORTGAGE and be a homeowner in time! A practical, highly-recommended reference for anyone preparing to enter the housing industry as a first-time buyer, whether in the midst of RECESSION or not!