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We Make Your First Time (buying a home) Memorable

First Time Home Buyers

Buying your first home is an exciting time! Moving into your own home, and enjoying the freedom that comes with it, is a rewarding experience. At Higgelke Mortgage Group, we love being a positive part of your first time.

Working with one of the experienced mortgage professionals at Higgelke Mortgage Group will keep the mortgage process simple. We will walk you through every aspect, from obtaining your pre-approval (so you know how much you can spend) to an overview of what to expect once the offer is made and the deal is signed.

We’ve worked with thousands of Calgarians to help them find the right mortgage for their first home, and we’d love to work with you!

Your First Home, From Mortgage Pre-Approval to Possession

This may seem out of order, but it isn’t! A pre-approval doesn’t obligate you to anything- you can still shop around before making a decision. However, a pre-approval does provide you (and your Realtor) with clarity and it protects you in case of an interest rate increase in the market. Once you’re pre-approved, you’ll know exactly how much you can spend and what the interest rate will be (should you choose that lender). With that information, you’re ready to go shopping!

If you already have a Realtor you can skip this step. If you don’t, you have options! Our office has great relationships with experienced Realtors that will help you find a great home. As a buyer, your Realtor will find properties that meet your criteria, negotiate on your behalf, and protect your interests throughout the purchasing process (and at no cost to you).

With your pre-approval in hand, the hunt is on! Calgary has thousands of homes available across a range of price points, building types, and lifestyles. Have some fun and see what’s out there- you’re sure to find a place to call home!

Once you’ve found a home and are ready to place an offer, your Realtor is really going to go to work. In addition to handling all the paperwork that comes with submitting an offer, they will aggressively negotiate the price and possession terms on your behalf.

Your offer will be placed under conditions, such as financing, a successful home inspection, condo document review (if applicable), and any other conditions deemed necessary by your Realtor.

This looks like a daunting step, but in reality these pieces are all progressing simultaneously. It all comes together very quickly!

The first step here is to clear conditions. The home inspection, for example, is an almost-certain condition (as a good home inspector will tell you the exact life’s story of the home you're looking at purchasing) that must be cleared. Any other terms, including possession date, cleaning, requested repairs, etc. will also be ratified before acceptance of the deal.

On the financing end, we secure/finalize the mortgage so that financing conditions can be waived.

Once everything checks out, you’re almost good to go.

Up next is the contractual and financial side of the process. You’ll connect with a real estate lawyer, who will confirm the deal’s details, handle the contracts, and take your down payment. This is also when you’ll address closing costs, such as pending property taxes, and finalize all the final details of the purchase.

On the day of possession all you need to worry about is moving in to your new home! Your mortgage has already been funded and paid to the sellers, the contracts are all signed, and the deal is done. Usually, you’ll meet your Realtor at the home to accept the keys.

Congratulations, you are now a homeowner!

Start Step 1 Today!

Get Pre-Approved

Why Choose Higgelke Mortgage Group for Your Mortgage?

  • We’ve worked with thousands of Calgarians and Albertans for their mortgage needs – In an industry where experience counts, we’ve got it in spades! We are 100% familiar with every aspect of the process and will ensure your mortgage is handled smoothly and professionally.
  • We save you money – Lower interest rates and more favourable payment terms are just two of the ways we’ll put more of your own money back into your pocket.
  • We’re only focused on you – As our client, we work solely to protect your interests and ensure your needs are met. This means that we’ll go to bat for you when needed, whether it’s working with the mortgage lender to secure your financing or providing needed financial guidance.
  • We aren’t just mortgage brokers, we’re mortgage professionals – While getting you the best mortgage possible is our objective, we choose to do so in a way that displays the utmost in professionalism and courtesy. We know you have options when choosing a broker, and we work hard to ensure that working with us is the best one.

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