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Update for those who don't care:

I contacted my friend's broker and I got approved for $350k house, 4% rate, 25 years, variable etc...

I asked her what my credit score was and she said it was very good, 700-something and nothing of interest on it so YAY!

House hunting here I come!!!

I'm pretty sure variable rates are the better option in Canada

But I always thought variable rates are better in Canada, the system I mean. I mean I can get variable rates with fixed payments.

Anyway UGH I went to open houses that were WAY out of my price range and oddly enough I found 2 homes that I found VERY VERY NICE and they were very willing to reduce their price and negotiate (proves that they are way overpriced to begin with) and now that I can actually afford them I have NO IDEA which one to choose.

I am going to get a second opinion and show my dad and others.

There is a smaller house 1400 sq ft with an amazing kitchen and the finishes are very nice and then there is a much larger house 1666 sq ft with a family room as well and the master bedroom is amazing with a balcony BUT the kitchen is super small for that house for some reason, the eating area is very small even though there is a separate dining room. Both are priced roughly the same so I have NO IDEA.

Yeah my dad likes the smaller home due to the layout, I can ACTUALLY picture where things can go, but I was told the bigger one has more value and maybe better resale. I dunno, the small house does have an EXACT duplicate one on sale in teh same area for only $4,000 more so I can use that as bargaining power and try to play them both off to get a better deal.

I am most certainly doing variable, no questions asked and am ONLY doing 25 year mortgage, nothing more but for the first little bit I will do monthly just to ensure I did not miscalculate my budget but accelerated payments is in the works as soon as I am comfortable.

I am gonna call my real estate agent and start looking more closely at these homes and maybe others in the area. It's exciting and a bit stressful, these decisions are SO HARD!

Would you guys want me to post the links to the pictures/features of the potential homes I am looking at? I would love more opinions...

Smaller House

Bigger House

PS: I can honestly tell you the pictures do NOT due these place justice, I was shocked at how nice they looked in real life and up close compared to the pictures...and they are also models from the new area and I have floorplans here on this website:

Floorplan Site

The smaller one on Fountain Park is the LAGUNA model floorplan

The larger one on Long Boat is the RIVIERA model floorplan

See my dad HATES the look of the second one and I personally think it's ugly too, but a balcony is considered a "feature" to some so it's all about resale value. And that balcony room would soooo be my "home office"

my job is nice but in Mississauga where I live, you can get good homes at fair prices, I mean $359,000 is very high for these homes and the owner was almost willing to go down to $340k!!! I was shocked at how overpriced they put it at!

So we shall see, so I do know you prefer the bigger house, do you know why? Just the view or any specific features?

I mean I am basically choosing (layout, bigger kitchen/eating area, smaller house and smaller master bedroom) versus (bigger sized home, family room, balcony, small kitchen and eating area)