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CITY

Select a City: No Preference Edmonton St. Albert Sherwood Park Stony Plain Spruce Grove Leduc Acme Airdrie Alcomdale Aldersyde Amisk Andrew Ardrossan Arrowwood Athabasca Town Banff Barrhead Bashaw Bassano Beaumont Beauvallon Beiseker Bellis Black Diamond Blackie Bon Accord Bowden Boyle Bragg Creek Brant Breton Brooks Bruderheim Buck Creek Busby Calgary Calmar Camrose Canmore Carbon Cardiff Cardston Carmangay Caroline Carseland Carstairs Cayley Champion Cheadle Cherhill Chestermere Claresholm Cluny Clyde Cochrane Cochrane Lake Consort Coronation Cremona Crossfield Crowsnest Pass Cynthia Dapp Daysland Delburne Devon Didsbury Drayton Valley Drumheller Duvernay Edson Egremont Elnora Entwistle Evansburg Exshaw Fawcett Fort Assiniboine Fort Mcmurray Fort Saskatchewan Gibbons Gleichen Glenwood Grande Prairie Granum Gull Lake Gwynne Hardisty Harvie Heights Hay Lakes Heritage Pointe High Prairie High River Hilliard Holden Hughenden Hussar Innisfail Innisfree Irricana Jarvie Josephburg Killam Kingman Lacombe Lamont Langdon Lavoy Legal Lethbridge Lindbergh Linden Lodgepole Longview Lougheed Lyalta Madden Mannville Mayerthorpe Millet Milo Minburn Morinville Mundare Nanton Neerlandia New Sarepta Okotoks Olds Onoway Opal Out Of Province_alberta Pickardville Pincher Creek Priddis Greens Red Deer Redwater Riviere Qui Barre Rocky Mountain House Rocky Rapids Rockyford Rural Bighorn M.d. Rural Brazeau County Rural Kneehill County Rural Lac Ste Anne County Rural Lacombe County Rural Mountain View County Rural Parkland County Rural Pincher Creek M.d. Rural Red Deer County Rural Rocky View Md Rural Wheatland County Rural Willow Creek M.d. Ryley Sangudo Sedgewick Smoky Lake Town Standard Stavely Stirling Strathmore Strome Sundre Swalwell Swan Hills Sylvan Lake Thorhild Thorsby Three Hills Thunder Lake Tofield Tomahawk Torrington Trochu Turner Valley Two Hills Vegreville Vermilion Veteran Viking Vilna Vimy Violet Grove Vulcan Wabamun Warburg Warspite Waskatenau Water Valley Waterton Park Westlock Wetaskiwin Whitecourt Wildwood Willingdon Wimborne Winfield Choose a property type: All Property Types Single Family Homes Condo/Townhouse Half Duplex Multi-Family Homes Rural

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

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SUBDIVISION

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Choose a property type: All Property Types Single Family Homes Condo/Townhouse Half Duplex Multi-Family Homes

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

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SCHOOL

Enter a School:

Choose a property type: All Property Types Single Family Homes Condo/Townhouse Half Duplex Multi-Family Homes

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

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MLS® #

Enter MLS® Number: MLS® Number: MLS® Number: MLS® Number:

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MAP

Select a Starting Point: No Preference Edmonton St. Albert Sherwood Park Stony Plain Spruce Grove Leduc Acme Airdrie Alcomdale Aldersyde Amisk Andrew Ardrossan Arrowwood Athabasca Town Banff Barrhead Bashaw Bassano Beaumont Beauvallon Beiseker Bellis Black Diamond Blackie Bon Accord Bowden Boyle Bragg Creek Brant Breton Brooks Bruderheim Buck Creek Busby Calgary Calmar Camrose Canmore Carbon Cardiff Cardston Carmangay Caroline Carseland Carstairs Cayley Champion Cheadle Cherhill Chestermere Claresholm Cluny Clyde Cochrane Cochrane Lake Consort Coronation Cremona Crossfield Crowsnest Pass Cynthia Dapp Daysland Delburne Devon Didsbury Drayton Valley Drumheller Duvernay Edson Egremont Elnora Entwistle Evansburg Exshaw Fawcett Fort Assiniboine Fort Mcmurray Fort Saskatchewan Gibbons Gleichen Glenwood Grande Prairie Granum Gull Lake Gwynne Hardisty Harvie Heights Hay Lakes Heritage Pointe High Prairie High River Hilliard Holden Hughenden Hussar Innisfail Innisfree Irricana Jarvie Josephburg Killam Kingman Lacombe Lamont Langdon Lavoy Legal Lethbridge Lindbergh Linden Lodgepole Longview Lougheed Lyalta Madden Mannville Mayerthorpe Millet Milo Minburn Morinville Mundare Nanton Neerlandia New Sarepta Okotoks Olds Onoway Opal Out Of Province_alberta Pickardville Pincher Creek Priddis Greens Red Deer Redwater Riviere Qui Barre Rocky Mountain House Rocky Rapids Rockyford Rural Bighorn M.d. Rural Brazeau County Rural Kneehill County Rural Lac Ste Anne County Rural Lacombe County Rural Mountain View County Rural Parkland County Rural Pincher Creek M.d. Rural Red Deer County Rural Rocky View Md Rural Wheatland County Rural Willow Creek M.d. Ryley Sangudo Sedgewick Smoky Lake Town Standard Stavely Stirling Strathmore Strome Sundre Swalwell Swan Hills Sylvan Lake Thorhild Thorsby Three Hills Thunder Lake Tofield Tomahawk Torrington Trochu Turner Valley Two Hills Vegreville Vermilion Veteran Viking Vilna Vimy Violet Grove Vulcan Wabamun Warburg Warspite Waskatenau Water Valley Waterton Park Westlock Wetaskiwin Whitecourt Wildwood Willingdon Wimborne Winfield Choose a property type: All Property Types Single Family Homes Condo/Townhouse Half Duplex Multi-Family Homes

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

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The Mortgage Process

The process of buying your first home can be one that brings great joy; it can also bring great fear in a person. There are so many things that you have to keep up with, and so many decisions that you will need to make on a split second. There are several things that you will need to discuss with your real estate agent when it comes to the mortgage process.

The first thing that you will need to know when it comes to the mortgage process is the amount of your down payment. The truth of the matter is this the bigger the down payment the less you will pay on the actual mortgage and this will also lead to a lower interest rate.

A typical down payment is usually 20% of the total purchase price. If you are not able to pay the 20% then you will want to apply for a high ratio mortgage.

Now there are several things that you will want to consider when talking about a mortgage. Many people are caught because they fail to read the fine print that is most times associated with a mortgage. They are so excited to have their home that they sign first and read later.

If you find yourself to be in this situation then you will need to make sure that you are 100% clear as to what the interest rate will be. Many mortgages will have a very low interest rate the first couple of years then you will be hit with an interest rate from hell out of nowhere. 

One bit of advice that will come into being handy is to put down as much as you can for the down payment. Now granted you will have to delay that vacation to the Bahamas but you will be able to rest comfortably knowing that you have a very low interest rate on a shorter mortgage.

Another aspect of the mortgage game is knowing when to apply and when not to, wait for a commercial to come on the air that advertises a low interest rate. That is when you will want to strike while that promotion is going on, just make sure to read the fine print.

The final thing that will factor into the amount you pay is the condition of the house and its depreciation value. If you are trying to buy a new house then you will naturally pay more than a person who is buying a house that will just be a basic dwelling for a family. Things like a pool and other things will add value to the house for the resell but will make your mortgage be that much higher in the end.

Keep these tips in mind when you are in the process of dealing with a mortgage. In addition make sure that you are using the services of a real estate agent that will also help in getting you through the mortgage jungle.

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