BUYING?

Want to buy a home? What does that mean exactly?

Buying a home is more than just a transaction—it’s a milestone, a fresh start, and a place where memories are made. It’s about finding a space that reflects who you are, where you can build your future and feel truly at home. Whether it’s cozy nights in, celebrating life’s big moments, or simply having a place to call your own, homeownership is a journey filled with excitement and possibility. It’s an investment not just in property, but in stability, comfort, and the life you’ve always envisioned. More than anything, buying a home is about creating a space where you can truly be yourself.

What to do before buying your first home?

Get Pre-Approved!

HOW MUCH MONEY DO I NEED WHEN PURCHASING A HOME?

01. DOWN PAYMENT

Depending on your mortgage type and financial situation, you'll need to provide a down payment ranging from 5% to 20% of the home's purchase price. A larger down payment can reduce your monthly mortgage payments and may eliminate the need for mortgage insurance.

02. MORTGAGE LOAN INSURANCE

If your down payment is less than 20%, you'll be required to obtain mortgage loan insurance, which protects the lender in case of default. The premium is calculated as a percentage of the loan and can be added to your mortgage payments.

03. CLOSING COSTS

These encompass various fees and expenses associated with finalizing the property purchase (1.5-4% of Purchase Price), including:

Legal Fees
Title Insurance
Home Inspection
Appraisal Fee

04. PROPERTY TAXES

In Calgary, property taxes are levied annually based on the assessed value of your property. Upon purchase, you may need to reimburse the seller for any prepaid taxes or settle outstanding amounts.

05. HOME INSURANCE

Lenders typically require proof of home insurance before approving a mortgage. The cost varies based on coverage and property specifics but is essential for protecting your investment.

06. MOVING EXPENSES

Costs associated with moving can vary depending on factors such as distance, volume of belongings, and whether you hire professional movers or opt for a DIY approach.

07. UTILITY HOOKUPS

Setting up or transferring utilities like electricity, water, gas, and internet services may involve connection fees or deposits.

08. IMMEDIATE RENOVATIONS OR REPAIRS

Even move-in-ready homes might require minor fixes or personal touches. It's prudent to budget for unforeseen repairs or desired upgrades

"It's a Great Day to Put in an Offer"

What does your home buying process look like with me?

01. Personalized Consultation

We’ll start with a one-on-one conversation to understand your goals, budget, and dream home must-haves. I’ll walk you through the buying process, answer any questions, and set up a customized home search tailored to your needs.

02. Home Tours & Showings

Once we’ve narrowed down the options, I’ll schedule private showings and guide you through each home, pointing out key features and potential considerations. I’ll provide honest insights to help you make the best decision.

03. Making an offer & Negotiations

When you’ve found “the one,” I’ll craft a strong offer and negotiate on your behalf to get you the best price and terms possible. My goal is to ensure you feel confident and supported every step of the way.

04. Closing & Keys in Hand

From inspections to final paperwork, I’ll coordinate everything to ensure a smooth closing. Once the deal is sealed, it’s time to celebrate—you’re officially a homeowner!

WORKING WITH ME YOU'LL GET...