First-Time Home Buying: Mortgages & Real Estate Made Simple
Buying your first home is exciting—and it can also feel like a lot. Our team is
professional, patient, knowledgeable, and approachable. We guide you step-by-step through
the mortgage and real estate process so you feel confident at every stage.
Real Estate Guidance
Neighbourhood + home type recommendations
In-person showings and honest feedback
Negotiation strategy and purchase protection
Support through conditions, financing, and closing
Mortgage Options
Pre-approval and affordability planning
Rate + term guidance (fixed vs variable)
Down payment and closing cost planning
Programs designed for first-time buyers
Our Style
Patient explanations in plain language
No-pressure advice that fits your goals
Fast communication and clear next steps
In-person or virtual—your choice
First-Time Buyer Programs We Can Help With
FHSA (First Home Savings Account): guidance on how it may support your down payment plan
FTHB RRSP Withdrawal (Home Buyers’ Plan): using RRSP funds toward your purchase (if eligible)
Métis Housing Down Payment Program: help understanding how it may apply and how to structure financing
Eligibility and rules can vary by program and lender. We’ll review your situation and recommend the best path.
Your Step-by-Step First Home Buying Process
1) Mortgage Pre-Approval
We confirm affordability, estimate monthly payments, and help you plan your down payment and closing costs.
2) Home Search Strategy
We narrow down neighbourhoods, must-haves, and a realistic price range—then build a plan to shop efficiently.
3) Viewing Homes In-Person
We tour properties with you, point out red flags, and help compare homes so you can decide with confidence.
4) Offer & Negotiation
We structure a strong offer, negotiate price and terms, and include protections like financing and inspection.
5) Mortgage Application
Once the offer is accepted, we submit your full application, collect documents, and secure the best approval.
6) Conditions, Closing & Possession
We guide you through conditions, coordinate timelines, and ensure everything is ready for closing day.
Get Started With a Pre-Approval
Fill out the form below and we’ll reach out with next steps. If you’re early in the process, no problem—
we can help you build a plan and timeline.
Note: Program eligibility and lender guidelines can vary. We’ll review your details and confirm the best options.
Thank you!
Our Team will be in touch!
Data last updated on February 8, 2026 at 05:30 AM (UTC).
Copyright 2026 by the REALTORS® Association of Edmonton. All Rights Reserved.
Data is deemed reliable but is not guaranteed accurate by the REALTORS® Association of Edmonton.
The trademarks REALTOR®, REALTORS® and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.
