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Tim Lacroix Mortgage Broker and REALTOR® · Calgary
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For buyers

Buying a home in Calgary

Short answer: Start with your real budget, pick communities that fit your life, then write an offer that's competitive and protected. I help first time buyers, move up buyers and people relocating within Calgary, and because I'm also a mortgage broker, the financing side is covered from day one.
Book a buyer call Get pre approved

How buying with me works

  1. 1

    Know your numbers

    Before we look at homes, we get clear on what you qualify for, what the payment will be, and how much cash you need for the down payment and closing costs. If you want, my team at Lacroix Mortgage Group can do the pre approval.

  2. 2

    Find the right community

    Calgary has dozens of very different neighbourhoods. We'll narrow it down by commute, schools, lifestyle and budget, then set up searches so you see new listings right away.

  3. 3

    Tour homes with a second set of eyes

    I'll point out what matters for resale, condo documents, and anything that could cause a problem with the lender or appraisal.

  4. 4

    Write a strong, protected offer

    Price, deposit, conditions and dates, set up to compete while keeping you protected with financing and inspection conditions.

  5. 5

    Conditions to possession day

    I coordinate the inspection, financing, lawyer and condo document review, and stay with you until you have the keys.

South Calgary communities

Not sure where to look? Start with these guides.

MahoganyAuburn BayMcKenzie TowneMcKenzie LakeCranstonSetonNew BrightonCopperfieldDouglasdaleQuarry ParkInverness (McKenzie Towne)LegacyWolf WillowRiverbendDeer RunLake BonavistaSundanceChaparralWaldenSilveradoBelmontShawnessyEvergreenParkland

Common Questions

What is the process for buying a home in Calgary?

Get pre approved, choose your communities, tour homes, make an offer, clear conditions like financing and inspection, then close with your lawyer on possession day. Most purchases take 30 to 60 days from accepted offer to possession.

How much do I need for a down payment in Calgary?

At least 5% of the first $500,000 and 10% of the portion above that, up to $1.5 million. Homes over $1.5 million need 20% down. You'll also need about 1.5% of the price for closing costs.

Does it cost anything to use a REALTOR® to buy?

In most Calgary purchases the seller pays the commission for both sides. Your buyer agreement spells out exactly how your REALTOR® is paid, and we'll go through it together before you sign.

Should I get pre approved before I start looking?

Yes. A pre approval tells you your budget, holds a rate for up to 120 days with many lenders, and makes your offer stronger.

Ready to start looking?

Buying, selling or just thinking about it? A quick call is the easiest way to start. No pressure.

Book a call with Tim Call or text (587) 609-5715