Your First Home Starts Here
Personalized mortgage solutions for first-time buyers in Alberta and across Canada.
Expert guidance for first-time buyers in Alberta and across Canada.
Buy Your First Home with Confidence
Are you a first time home buyer or first-time property buyer in Canada? My name is Alejandra Diaz, a licensed and an experienced mortgage agent who will help you achieve homeownership! Buying your first home is exciting, but it can also feel like a daunting process. I am here to help you through the process to provide clarity and confidence in the process, and offer my professional advice to you!
As a mortgage broker in Edmonton, I specialize in assisting first-time home buyers understand their options for financing, navigate the application process; and get you great rates! Whether you’re purchasing a condo in downtown Edmonton, a family home in Calgary, or relocating to a different province. I will provide individualized mortgage repayment options for you that work toward your goals along with your unique financial situation.
Get Expert Support When Buying Your First Home
Step-by-step guidance to help you secure your first mortgage with confidence.
Buying your very first home can seem like a daunting task; however, with a trusted expert to help guide you through the process, it can be an exciting and seamless experience. I will help you answer all your questions and walk you step-by-step through the mortgage application process from knowing your financing option to getting an approval. I am here to be your trusted mortgage broker for first-time homebuyers in Alberta, and all around Canada for that matter! You will feel confident at all stages of the process with me on your side!
You find the home. I’ll find the loan.
Personalized support from your first consultation to closing day.
How We Help First-Time Homebuyers in Alberta and Across Canada
Buying your first home is a major life event, and we will do our best to make it as seamless, informed and stress-free as possible. Whether you’re purchasing in Edmonton, within another city in Alberta, or within another province in Canada, we will offer consistent step-by-step support for you.
Here’s how we support new home buyers like yourself:
✅ 1. Home Buying Consultation
We begin by having a one-on-one conversation to learn your goals, answer your questions, and take you through the complete mortgage and home buying process.
✅ 2. Mortgage Support & Pre-Approvals
We assist you in the mortgage pre-approval process comparing lenders, rates, and lending options including those available for first-time home buyers.
✅ 3. Home Search Assistance
Once pre-approved we assist you in deciding a budget, and then assist your real estate agent in finding homes that fit your financial profile.
✅ 4. Home Inspections & Due Diligence
We then connect you with reputable inspectors, and walk through each report so that you are confident in your decision making and are not surprised by anything after closing.
✅ 5. Closing Process & Ongoing Support
With paperwork and lender communication, we are here until keys are in hand. We will also provide advice on homeowners insurance, and budgeting to prepare for life as a homeowner.
Our Expert Mortgage Broker Tips for First-Time Home Buyers
Smart tips to help you save, plan, and buy your first home with confidence.
How Much House Can You Afford?
Before starting your home search, it’s important to understand how much house you can afford. Utilize a Mortgage Affordability Calculator to assess your financial situation, including your income, expenses, and debts, to determine a comfortable price range for your new home.
Determine Your Down Payment
Saving for a down payment is a crucial step in purchasing a home. Use a Down Payment Calculator to determine how much you need to save based on the average down payment on a house and your desired purchase price. Consider exploring first-time home buyer incentives that can help you with your down payment.
Use First-Time Home Buyer Incentives to Your Benefit
As a first-time home buyer, you have the advantage of accessing various incentives that can significantly benefit you in your home buying journey. These incentives are designed to make homeownership more affordable and accessible. They programs can provide financial support in the form of grants or low-interest loans to help you with your down payment. Take advantage of these programs to reduce the upfront cost of purchasing a home.
Apply for a Mortgage Pre-Approval
Applying for a Mortgage Pre-Approval is highly recommended. It involves submitting your financial information to a lender who will assess your eligibility for a mortgage loan. This pre approval mortgage calculator will give you a clear understanding of your budget and strengthen your position when making an offer on a home.
Plan for All Home Buying Costs
In addition to the down payment, there are other costs involved in buying a home. Take into account average closing costs, which include legal fees, land transfer taxes, and other expenses. Being prepared for these costs will help you budget accordingly, whether they are closing costs for buyers, or otherwise.
Find a Mortgage That Works for You
There are different types of mortgages available, including an open mortgage, a closed mortgage, a conventional mortgage, and a high-ratio mortgage. Each has its own advantages and considerations. Work with a mortgage broker to check out home mortage rates and find the mortgage that works best for your financial situation and goals.
Grants and Incentives for First-Time Home Buyers
As a first-time home buyer, you may be eligible for various grants and incentives that can significantly assist you in achieving your homeownership goals. Here are some common grants and incentives available for first-time home buyers:
First-Time Home Buyer Tax Credits:
Many jurisdictions offer tax credits specifically designed for first-time home buyers. These credits allow you to claim a portion of your home purchase expenses as a tax deduction or credit, potentially resulting in significant savings when filing your annual taxes.
Government-Sponsored Programs:
Governments at the federal, provincial, and municipal levels often provide programs and initiatives to support first-time home buyers. These programs can offer financial incentives, such as grants or interest-free loans, to assist with down payments, closing costs, or home renovations.
Home Buyer Education Programs:
Many jurisdictions offer educational programs and workshops specifically tailored for first-time home buyers. These programs aim to provide valuable information about the home-buying process, financial management, and maintaining a home. Participating in these programs may make you eligible for additional grants or incentives.
Mortgage Insurance Programs:
Government-backed mortgage insurance programs, such as the Canada Mortgage and Housing Corporation (CMHC) in Canada, can help first-time home buyers access mortgage financing with a lower down payment. These programs provide insurance to lenders, reducing their risk and potentially allowing you to qualify for a mortgage with a smaller down payment.
Why Choose Alejandra Diaz - Mortgage Agent in Alberta When You Are A First-Time Home Buyer?
Expertise in Guiding First-Time Home Buyers
As a mortgage agent, I specialize in working with first-time home buyers. I understand the unique challenges and questions that arise during this process. With my experience and knowledge, I can guide you through each step, ensuring you feel confident and informed along the way.
In-depth Knowledge of Alberta's Real Estate Market
Having a deep understanding of Alberta's real estate market is crucial when buying your first home. As a mortgage broker in Edmonton, I stay up-to-date with market trends, property values, and neighborhood dynamics. This knowledge enables me to provide you with valuable insights through my mortgage service providers and help you make informed decisions about your home purchase.
Assistance in Navigating the Mortgage Process
The mortgage process can be complex, especially for first-time buyers. I am here to simplify the process for you. From assessing your financial situation to exploring different mortgage options, I will provide personalized guidance and support. I will explain mortgage terms, interest rates, and repayment options, ensuring you have a clear understanding of the choices available to you.
Access to First-Time Homebuyers Programs and Incentives
As the best mortgage broker in Edmonton, I have extensive knowledge of the first-time home buyer programs and incentives available in Alberta. I can help you navigate these programs, ensuring you are aware of the grants, tax credits, and financial assistance that may be available to you. By taking advantage of these opportunities, you can make your home purchase more affordable and attainable.
Personalized Support and Guidance
I believe in providing personalized support and guidance to every client. I will take the time to understand your unique needs, goals, and financial situation. With this information, I can tailor my advice and recommendations specifically to you. I am committed to being available to answer your questions, address your concerns, and provide ongoing support throughout the entire home-buying process.
Long-Term Commitment to Your Success
My goal is not only to help you buy your first home, but to become your trusted mortgage advisor for years to come. I’m here to support you beyond closing day—whether you’re renewing, refinancing, or planning your next move. Your financial growth and peace of mind are always my priority.
Ready to Take the Next Step?
Get expert mortgage advice tailored to your needs—whether you’re buying, refinancing, or just exploring your options.
