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Auburn Bay Seton Homes

Search all Homes for Sale in Auburn Bay Seton & the South of Calgary


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FIRST TIME HOME BUYER CALGARY REAL ESTATE

Welcome to Calgary Real Estate First Time Home Buyer Calgary.com ! This site
will provide you all the tools needed to find your new First Dream Home in
Calgary AB. Search the listings and read the media articles. When you are ready
to start viewing homes Please Contact Glen! We would love to help you…



Listed by Real Broker
$299,700

Listed by RE/MAX First
$399,900

Listed by KIC Realty
$429,000

Listed by eXp Realty
$449,990

Listed by Royal LePage Benchmark
$459,900

Listed by Homecare Realty Ltd.
$479,900

Listed by RE/MAX iRealty Innovations
$495,000

Listed by Real Estate Professionals Inc.
$498,800

Listed by MaxWell Capital Realty
$499,000





HOUSES IDEAL FOR FIRST TIME HOME BUYERS CURRENTLY LISTED



Listed by Century 21 Elevate Real Estate
$235,000

Listed by Top Producer Realty and Property Management
$263,000

Listed by eXp Realty
$275,000

Listed by Real Broker
$279,900

Listed by Real Broker
$285,000

Listed by TREC The Real Estate Company
$299,000

Listed by Hope Street Real Estate Corp.
$299,900

Listed by TREC The Real Estate Company
$299,900

Listed by MaxWell Central
$304,900

Listed by eXp Realty
$314,900

Listed by RE/MAX First
$315,000

Listed by RE/MAX Complete Realty
$320,000

Listed by Real Broker
$324,900

Listed by 2% Realty
$325,000

Listed by eXp Realty
$325,000

Listed by URBAN-REALTY.ca
$329,900

Listed by Top Producer Realty and Property Management
$329,900

Listed by RE/MAX First
$334,900

Listed by CIR Realty
$335,000

Listed by Frame Realty Group Inc.
$337,499

Listed by Century 21 PowerRealty.ca
$339,900

Listed by Royal LePage Arteam Realty
$340,000

Listed by Premiere Realty Direct
$344,900

Listed by Real Estate Professionals Inc.
$348,000

Listed by Grand Realty
$348,888

Listed by Bricks & Mortar...Everything Real Estate
$349,900

Listed by RE/MAX Real Estate (Mountain View)
$359,900

Listed by 2% Realty
$360,000

Listed by MaxWell Canyon Creek
$364,900

Listed by RE/MAX Real Estate (Central)
$375,000

Listed by RE/MAX Real Estate (Mountain View)
$375,000

Listed by RE/MAX First
$376,763

Listed by RE/MAX Realty Professionals
$379,800

Listed by eXp Realty
$379,900

Listed by eXp Realty
$379,900

Listed by Hope Street Real Estate Corp.
$385,000

Listed by RE/MAX House of Real Estate
$389,990

Listed by MaxWell Canyon Creek
$390,000

Listed by Five Star Realty
$399,900

Listed by Real Broker
$399,900

Listed by Top Producer Realty and Property Management
$399,900

Listed by Royal LePage Mission Real Estate
$399,900

Listed by Coldwell Banker Mountain Central
$399,900

Listed by RE/MAX House of Real Estate
$399,900

Listed by eXp Realty
$399,900

Listed by RE/MAX First
$399,950

Listed by Real Broker
$400,000

Listed by RE/MAX Real Estate (Central)
$400,000

Listed by CIR Realty
$407,500

Listed by Century 21 Bamber Realty LTD.
$409,900





TOWNHOMES IDEAL FOR FIRST TIME HOME BUYERS CURRENTLY LISTED



Listed by eXp Realty
$200,000

Listed by TREC The Real Estate Company
$203,000

Listed by 2% Realty
$204,900

Listed by First Place Realty
$210,000

Listed by URBAN-REALTY.ca
$214,000

Listed by Grassroots Realty Group
$215,000

Listed by RE/MAX Realty Professionals
$215,000

Listed by Homecare Realty Ltd.
$218,000

Listed by Greater Property Group
$219,000

Listed by Century 21 Bravo Realty and Classic Property Management & Realty Ltd
$219,900

Listed by eXp Realty
$219,900

Listed by eXp Realty
$219,900

Listed by RE/MAX Real Estate (Central)
$219,900

Listed by RE/MAX iRealty Innovations
$220,000

Listed by CIR Realty
$220,000

Listed by Century 21 Bravo Realty
$224,900

Listed by URBAN-REALTY.ca
$224,900

Listed by Real Broker
$225,000

Listed by Real Estate Professionals Inc.
$225,000

Listed by Century 21 Bravo Realty
$225,000

Listed by Grand Realty
$229,000

Listed by RE/MAX Realty Professionals
$229,000

Listed by RE/MAX First
$229,000

Listed by Stonemere Real Estate Solutions
$229,000

Listed by Century 21 Bravo Realty
$229,500

Listed by Century 21 Bamber Realty LTD.
$229,900

Listed by RE/MAX First
$229,900

Listed by CIR Realty
$230,000

Listed by Synterra Realty
$230,000

Listed by Real Estate Professionals Inc.
$230,000

Listed by RE/MAX First
$230,000

Listed by Real Broker
$230,000

Listed by RE/MAX First
$232,000

Listed by eXp Realty
$234,700

Listed by RE/MAX Real Estate (Central)
$234,900

Listed by Sunflower Realty & Property Management Inc.
$235,000

Listed by eXp Realty
$238,000

Listed by Real Broker
$238,832

Listed by Real Estate Professionals Inc.
$239,053

Listed by Century 21 Bamber Realty LTD.
$239,900

Listed by eXp Realty
$239,900

Listed by RE/MAX First
$239,900

Listed by Century 21 Bravo Realty
$239,900

Listed by Real Broker
$239,932

Listed by CIR Realty
$240,000

Listed by The Real Estate District
$245,000

Listed by Diamond Realty & Associates LTD.
$245,000

Listed by Royal LePage Benchmark
$245,000

Listed by MaxWell Capital Realty
$245,900

Listed by Argent Realty & Management Ltd.
$248,000





APARTMENTS IDEAL FOR FIRST TIME HOME BUYERS CURRENTLY LISTED


REAL ESTATE TIPS


10 TIPS FOR CALGARY REAL ESTATE FIRST TIME HOME BUYERS

1. Start by finding a realtor. Look in the phone book or online or ask friends
or Contact Glen. Ask realtors for references, experience and success rates, and
be sure you feel comfortable with the agent. Your realtor should be
well-informed about every aspect of where you’re looking for a home, such as the
attributes of neighbourhoods, schools and community groups, and have experience
negotiating deals in your price range.

2. Apply for a preapproved mortgage, which is usually good for 90 days. This
will set your maximum mortgage amount and interest rates, so you can set your
budget before house hunting. It also lets the seller know you are serious about
buying a home.

3. Budget for extra expenses, such as moving, new appliances and utility
hookups. Moving costs vary, but the average is about $500. Utility service
charges for electricity and phone will total about $150 to $250. Add appraisal
fees, title insurance and survey costs to your budget as well.

4. Prepare for closing fees. We recommends you put four per cent of the price of
the house aside for closing costs,such as lawyers, etc..

5. Consider using any current federal government’s Home Buyers’ Plan for
first-time buyers to increase your down payment. It allows you to take $20,000
out of your RRSP tax-free and gives you 15 years to pay it back, if you are
Calgary Real Estate First Time Home Buyer or not.

6. Buy the home you can afford. “You can’t enjoy life if every cent you make is
going toward paying for your first home”. While five per cent is the minimum
down payment, putting more down reduces your costs. A small down payment leaves
almost no equity in your home; if it’s less than 20 per cent, mortgage loan
insurance is often required, which leads to additional costs and higher interest
rates.

7. Avoid hidden costs – and headaches – with a home inspection. It’s worth the
approximately $350 (though costs vary depending on house size) to get the house
checked out before you make the commitment. Your real estate agent will advise
you on how to make your offer conditional on the inspection. Find an inspector
through an industry trade group, such as the Canadian Association of Home and
Property Inspectors (www.cahpi.ca). Ask glen and our team , we have great home
inspectors that we can reccomend

8. Make an offer only if you’re serious. Wait to make an offer until you’ve seen
several houses, and it should reflect current market conditions. Other factors
to consider are the seller’s needs, such as the closing date, and your budget.

9. Keep your emotions in check when negotiating because they can lead to impulse
buying. Be prepared to walk away if a bidding war drives the house out of your
price range.

10. Pay for furniture now, not later. Deferred payment plans at furniture stores
are helpful only if you pay the bills before they come due. “If you don’t have
the money to buy furniture, don’t buy it. Live without it or buy used furniture
until you can save up.”


WORST MISTAKES FIRST-TIME HOME BUYERS MAKE

A house is one of the biggest investments you may ever make, so it’s important
to plan ahead, to think about what you need in a home and what you can afford.

Getting pre-approved for a mortgage is a great way to budget for a home and
signal that you’re a serious buyer. However, keep in mind that the amount for
which you are approved is the maximum amount the lender feels you can afford
based on your income and projected property expenses. That figure doesn’t
account for other expenses you may face, such as renovations or emergency home
repair, as well as regular household costs for Calgary Real Estate.

“You know best … what your costs are, so our advice would be look at what your
paycheque is net, line up all those costs, including what you’re being told on
the calculator is affordable for you, and see what is left at the end of the
month. “The last thing you want to do is hang yourself out to dry with your
mortgage payments that are simply too high to carry.”

Here are some other mistakes first-time buyers make, and how to avoid them:

Not knowing your credit score

A credit rating is a record of your credit history and current financial
situation. A good credit rating can improve your ability to get loans, so if
your score is low, you may want to work on improving it before you apply for a
mortgage.

Not budgeting for the costs of home ownership

Being a homeowner brings new expenses, including property taxes, higher
insurance costs, regular upkeep and an emergency fund for repairs. Don’t forget
to factor in the cost of any renovations your new home may need.

Not researching down payment choices

Lenders typically require CMHC mortgage loan insurance if you make a down
payment of less than 20 per cent, and premiums for that insurance can be as high
as 3.25 per cent of the value of the loan. Under the Home Buyers’ Plan,
first-time buyers can use up to $25,000 in RRSP savings ($50,000 for a couple)
for a down payment. A higher down payment will save thousands of dollars in
interest over the life of your mortgage.

Focusing too much on interest rates

First-time home buyers rush in to the market when interest rates are low. While
rates are important, other things have a greater bearing on the overall cost of
home ownership, including the cost of the house, the type of mortgage, the
amortization period and payment options.

Not choosing your own payment schedule

Paying off your mortgage sooner saves you interest costs, while a longer
amortization period reduces your regular payment and frees up cash flow. You can
save thousands of dollars in interest by choosing a shorter amortization period,
paying fortnightly instead of monthly, or increasing the amount of payments by
even a small amount. Use an online mortgage calculator to run the numbers.

Forgetting about closing costs

When calculating closing costs, assume you will need an additional 1.5 to 2.5
per cent of the purchase price to cover such things as the home inspection,
legal fees, land transfer tax, property tax, property insurance, utility
hook-ups and moving costs, are the typical costs when purchasing Calgary Real
Estate




HOME BUYER SEMINAR

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GLENS HOT LISTINGS

ABCD
$590,000 : 1 1412 20 Avenue NW Calgary

Listed by CIR Realty
ABCD





FEATURED HOUSE LISTINGS

ABCD
$364,900 : 75 1555 Falconridge Drive NE Calgary

Listed by RE/MAX Realty Professionals
ABCD





FEATURED CONDO LISTINGS

ABCD
$329,000 : 215 1507 Centre A Street NE Calgary

Listed by RE/MAX Realty Professionals and Real Broker
ABCD





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Home Buyer Listings


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EDUCATION – RECENT POSTS

 * All Homes for Sale in Harvest Hills and Area October 21, 2015
 * Mortgage Penalty-Broker Lender Penalty vs. Bank Penalty June 13, 2015
 * The Perils of Selling Your Own Home-For Sale By Owner April 21, 2015
 * Is it Time For New Pipes? April 17, 2015
 * 7 Tips for Maintaining Good Tenant Relationships April 13, 2015

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