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  • Real Broker BC

    Discover a place you'll love to live

    Experience Matters

    Our team offers expert guidance and personalized service to make buying, selling, or investing in property smooth and stress-free. With deep market knowledge and a commitment to clear communication, we focus on achieving your real estate goals efficiently and effectively.

    Trust

    the best

    • 100
      Homes for Sale
    • $100000
      Sales Price
    • 100
      Total Listings
    • $100000
      Average Listing Price
    Kelly O'Dwyer Agent License ID: 151139

    Phone +1(250) 741-6615

    Address 107 Yon Place Nanaimo, BC V9T 0G4 Canada, Nanaimo, British Columbia V9T 0G4, CAN

    Website kellyodwyer.com

     YOU NEED TO KNOW

    How much do I need for a down payment on a home?
    The amount you need for a down payment depends on the type of loan and your financial situation. While 20% is a common benchmark, many buyers put down less—some conventional loans allow as little as 3%, and FHA loans require just 3.5%.

    What’s the difference between pre-qualification and pre-approval?
    How does my credit score affect my mortgage rate?
    What are closing costs, and how much should I expect to pay?
    How long does the homebuying process usually take?
    Can I buy a home if I’m self-employed or have irregular income?
    What’s included in my monthly mortgage payment?

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