First time homebuyers · Calgary
Your first home, with clear guidance.
Understand your budget, explore your options and know what happens next.
Words by Gemma Hobb
Start before the viewings.
Bring your ideas and your questions. We will discuss what you need from a home, introduce the right professionals and explain the buying process. Where an associate’s experience suits your search, I can make that introduction too.
Set a comfortable monthly budget.
Speak with a qualified mortgage broker early about your down payment, payments and financing options. The amount you qualify for may differ from what you want to spend. Preapproval helps guide the search; it is not a guarantee of final financing.
Understanding mortgage preapproval · Canada.caAllow for the full cost.
Budget for legal and closing costs, inspections, moving, insurance, property taxes, utilities and maintenance. For a condominium, consider fees, document review and potential additional costs. Your broker, lawyer and other specialists can explain the amounts relevant to you.
Explore the costs of buying a home · Canada.caFind the right home and setting.
Compare a detached house, townhouse or apartment around your space, upkeep and outdoor needs. Then consider the commute, everyday errands and neighbourhood. We look at the lot as closely as the interiors.
Explore the communitiesFrom offer to possession.
I explain comparable sales, the offer and the conditions to consider. Inspectors, your lender, your lawyer and any property specialists each have a role. We work through the findings and decisions before moving to the next stage.
The buying process with GemmaA private conversation