First Time Home Buyersbuy a home in calgary

Are you ready to buy a home? Buying a home is one of the biggest financial and lifestyle decisions you will make, so it pays to make an informed decision by first looking at the main advantages and disadvantages of homeownership. Buy vs Rent Calculator


  • Are Your Financials in Order? In this Step you will find a number of simple calculations that will help you evaluate your current financial situation and determine how much house you can afford and the maximum price that you should be considering. Online Mortgage Calculators 

  • How Much is This Going to Cost? After you have calculated the maximum home price you can afford, you will need to calculate the up-front costs and expenses associated with buying a home to make sure you are financially prepared. Extra buying costs 

  • What Type Should You Buy? Before you start searching for a home you need to think about your current and future housing needs and what characteristics are important to you in a home.  Buy - House vs Condo

  • What Professionals Should You Call? This Step describes the roles played by the professionals you will call on in the homebuying process: real estate agent, mortgage broker, lawyer/notary, inspector, insurance broker.

  • How To Find the Right Home. If you have decided that you are ready to start your search, this Site offers numerous targeted searches to find the perfect home. Start my search

  • How to Buy a Home.  Once you find the home you would like to buy, you will need to present the seller with an Offer to Purchase supplied by your Realtor. See Example Purchase Contract

  • The Final Steps. Describes the final steps in the home buying process: things you will need to do on closing day. Closing Day Report

  • Home Repair and Maintenance Tips. This website offers useful tips for new homeowners on home repair, maintenance and renovations. Also sign up to receive maintenance alerts. Home Wizardwizard 


calgary mortgage, mortgage calculator, mortgage broker, jerry schindel, first time buyer, buy a home, buy a condo, home buyer, buying a house, buying a condo, calgary real estate, calgary home listings, buy and sell, buy sell, calgary ab, calgary alberta 


 Important Links and Contact Information 

Accessible Housing Society -- 403-282-1872

ATCO Gas - Calgary office main number, 403-245-7110

Calgary Transit - 403-262-1000

Canada Mortgage and Housing Corp. - 403-515-3000

Canadian Home Builders' Association - Alberta - 1-780-424-5890, or 1-800-661-3348

Canadian Home Builders' Association - Calgary Region - 403-235-1911

City of Calgary -- main switchboard, 403-268-2111

Direct Energy - 1-866-420-3174

Enmax - 403-310-2010

Federation of Calgary Communities - 244-4111

National Home Warranty - Calgary office  403-278-5665  toll-free 1-888-776-7707

Professional Home Builders Institute of Alberta - 403-216-8310 in Calgary, or 1-888-325-9999

The Alberta New Home Warranty Program  - Calgary office, 403-253-3636

TransAlta Utilities -  1-800-667-2345

Urban Development Institute - 403-531-6250 

sign up kernick homes 



If you'd like to arrange a viewing of any listings you see on this site, or learn more about your options in the Calgary Real Estate market, the Kernick Home Team is ready to help with your search. Please contact us by email or call/text 403-875-7629 for assistance.

Latest Testimonials
  • Helped Me Buy a Townhouse

    Kelly is a Realtor n his own class. His client care and professionalism. I had some anxiety about the purchasing a...

    Christina Auatin Feb 24, 2020
  • Bought an Acreage

    Kelly was a valued partner for us in finding our new home in the country. Knowledgeable about the market, helpful,...

    Darrel Florence Feb 24, 2020
  • Second Purchase

    Worked with Kelly on 2 separate occasions to purchase a home. He is easy to get along with and doesn't pressure you...

    Chris Karaplis Feb 24, 2020
  • Repeat Cusomer

    We have purchased two homes in Airdrie with Kelly. He dedicated a lot time showing us homes and was very...

    Sarah Dyrland Feb 24, 2020
  • Great Value and Service!

    When our 21 yr. old. son Jonathan moved to Calgary from Ontario, he decided he was going to stay for an extended...

    John and Joanna Mataya, Welland, Ontario Nov 15, 2013
  • Dedicated

    This was my second time working with Kelly. His dedication and experience made the process easier during a difficult...

    Tom Jones Jul 26, 2013
  • Found on Google

    When I planned on moving to Calgary from Fort McMurray I had no idea where to start. I didn't know people here in...

    Caroline Christopherson Apr 14, 2013
  • From Quebec to Calgary

    My wife and I had just arrived from out of province and were looking for a little place for us and our two kids and...

    Richard & Melanie Boutin Mar 25, 2013
  • First Time Condo Buyers

    My husband and I were looking to purchase our first home, and Kelly came highly recommended. Kelly went above and...

    Cody & Mandee Bird Mar 25, 2013
  • Would Refer to Anyone

    I would refer Kelly as a Realtor to anyone who asked based on my past experiences. He helped me shop around and find...

    Dana Johnston Mar 21, 2013
Urban Real Estate Services
820, 26th Street NE , Calgary, Alberta, T2A 2M4
Tel: 403-875-7629
MLS®, REALTOR®, and the associated logos are trademarks of The Canadian Real Estate Association.

The data included on this website is deemed to be reliable, but is not guaranteed to be accurate by the Calgary Real Estate Board.

MLS®, Multiple Listing Service®, and the associated logos are all registered certification marks owned by CREA and are used to identify real estate services provided by brokers and salespersons who are members of CREA. The trademarks REALTOR®, REALTORS® and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. Used under license.