Buying your first home is a series of steps in the right order. Here’s the path we walk first-time buyers through in Edmonton, and the programs worth knowing about.
Step 1 — Get pre-approved (before you shop)
A real pre-approval tells you what you can actually spend and holds a rate while you look. It’s the single most important step, and doing it first saves you from falling for a home you can’t finance.
Step 2 — Find the right home
With your budget set, Jay builds the search around the communities and home types that fit — resale or new construction — and reads each home with a builder’s eye.
Step 3 — Offer, conditions & close
You write an offer, then work through your conditions (financing, inspection). Because Josh already knows your file, financing conditions clear quickly instead of starting cold. Then it’s appraisal, your lawyer, and possession day.
Programs worth knowing
First-time buyers in Canada have several tools: the First Home Savings Account (FHSA), the RRSP Home Buyers’ Plan, a GST rebate on new homes, and longer (30-year) amortizations on insured mortgages. The specifics and limits change with each budget, so we’ll tell you exactly what applies to you right now.
Note for launch: Program limits (FHSA, HBP amount, GST rebate cap, 30-yr eligibility) change — verify current before launch.
Frequently asked
What’s the first step to buying a home in Edmonton?
Get a real pre-approval before you shop. It sets your budget, holds a rate, and lets you move with confidence when you find the right home.
What programs help first-time home buyers in Canada?
The FHSA, the RRSP Home Buyers’ Plan, a GST rebate on new homes, and 30-year amortizations on insured mortgages are the main ones — the limits change, so confirm the current details with us.
