First Time Home Buyers

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First Time Home Buyers

Are you ready to buy your first home? Awesome! This is a very exciting time. You have likely worked very hard to position yourself to achieve homeownership. You are probably really worried about getting this investment right. Buying a home is a huge commitment and the process can be intimidating. Choosing the right partner to guide you on this journey is key to ensuring that you have all of the information needed to make good choices. A licensed Realtor® can help you navigate the sometimes daunting process of securing financing, searching for the right type of home, making an offer to purchase, and moving into your very first home.

Do It Right The First Time

As you enter the Regina real estate market, making smart choices can set you up for a lifetime of security and stability. It is most likely that your first home will not be your last home, but this first purchase is important. Let’s make sure you get it right. Here is how Kelsey Smith can help you find your perfect first home:

Let’s Talk Budget: You certainly do not want to overextend yourself with your first home. Understanding all of the costs associated with home buying and the ongoing expenses of homeownership you can expect to incur will help you determine the budget for your first home and what kind of down payment that will require.

Let’s Talk Financing: There are tons of options for financing. Let’s get you connected with reputable and qualified lending professionals who can help you secure financing that works for you.

Let’s Talk Neighbourhoods: Do you want to be close to your work or to family and friends? Are you looking for an opportunity to invest in an up-and-coming neighbourhood or do you like the more historic features of an established suburb? Your ideal neighbourhood and your budget are intertwined. Let’s talk about which neighbourhoods are right for you.

Let’s Talk Lifestyle: Are you looking to be centrally located, right in the hustle and bustle of entertainment, dining, shopping, and nightlife? Do you want a home close to the edge of the city to facilitate quick weekend escapes? Are you looking for the low-maintenance lifestyle offered by condo living or some yard space for a furry friend? How you live and the things that are important to you will dictate the kind of home that is right for you.

The Kelsey Smith Home Buying Process

We have streamlined the home buying process to make it as easy and stress-free as possible. You can count on transparency, availability, attention to detail, and strong negotiating at offer time. This is what you can expect with the Kelsey Smith home buying process.

Consultation for Home Buyers

Consultation for Home Buyers

Are you buying a house in Regina or the surrounding area? You may want to jump right in and schedule viewings. However, prior to starting the physical home search, I ask that buyers meet with me for a “Buyer Consult” session. During this meeting, I explain what to expect at every step when buying a home. We discuss the criteria of your dream home, what defects are important to look for when viewing homes, and everything else from the home inspection, and negotiations to how to choose your real estate lawyer.

Mortgage Pre-Approval

Mortgage Pre-Approval

Home buyers should be pre-approved for a mortgage so that they know exactly how much house they can afford. If you don't have a pre-approval, you could be disappointed to find out you cannot afford the house you find or you could lose the deal while waiting for approval. Even if you’re certain you qualify, getting a pre-approval from a Regina mortgage broker can streamline the process and ensure your finances are set to go when you are ready to make an offer. It also makes the final mortgage approval process much faster and less stressful for you!

The Kelsey Smith Home Buying Process
View Listings

View Listings

Once we’ve had our “Buyer Consult” and you’ve received your pre-approval, we can start looking at homes seriously. I encourage buyers to use any of the available platforms when looking for Regina MLS listings. has up-to-date listing information and the ability to customize your search criteria for an elevated search experience. As your Regina Realtor®, I will also search for and send you listings that meet your requirements. Once we have a handful of possibilities picked out, I will schedule the viewings on your behalf and we will go house hunting together.

Making An Offer

Making An Offer

When you’re ready to make an offer, I will explain to you the terms, conditions, and legalities of the contract. Most importantly, I perform a Comparative Market Analysis (CMA) on the property to ensure you pay no more than fair market value and ideally a little less than that! I will help you formulate a strong offer that has the highest likelihood of being accepted by the sellers. Remember that using a buyer's agent is a free service to you as a home buyer. The commissions for a buyer’s agent are paid for by the seller.

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First Time Buyers: The Benefit Of Working With A Realtor®

First time home buyers can benefit greatly by partnering with the right Realtor®. Here are the benefits of working with Kelsey Smith when purchasing your first home:

  • Access To The Right Tools: You have probably figured out how to access MLS® Regina. In fact, you have likely spent hours scrolling through hundreds or even thousands of listings, looking at pictures and trying to determine which homes are worth visiting. We have the tools needed to cut through the excess of property listings to completely customize searches tailored for your specific needs. We can ease the search process for you. And because of our robust network of real estate agents, sellers, developers, and investors, we are often privy to upcoming listings before they even appear on the Regina MLS®.
  • Is It Priced Right?: We have the technology and the experience to create data-driven analyses that can determine if a home that you are considering is priced fairly. This insight can also help determine a reasonable offer amount and guide our strategy for negotiations.
  • Identifying Red Flags: We have seen a lot of houses. Our experience buying and selling homes helps us identify red flags in properties. Physical defects with a home can warn us away from bad deals or become a tool for negotiating. 
  • Wading Through The Paperwork: Real estate transactions generate a lot of paperwork. We will ensure that your offer and contract are airtight and executed properly.
  • Expert Negotiations: When it comes time to negotiate the purchase price, a confident and informed Realtor® is the best secret weapon.
  • It's Free: Did you know that it doesn’t cost you anything to work with an experienced, licensed real estate agent. The buyer’s portion of commissions is a portion of the purchase price and paid to the buyer’s brokerage by the seller.

Why Kelsey's Clients Love Working With Her

Expert Advice And A Committed Guide

Buying your first home is a great accomplishment. Ensure that your first home purchase is a smart one by partnering with an experienced Realtor®. From the first step of determining your budget and securing financing, through your home search, offer to purchase, and successful close, Kelsey Smith is committed to educating you, understanding your needs and goals for your first real estate purchase, and being available to guide you at your pace. Choose Kelsey Smith and choose a partner dedicated to making sure your first home buying experience is positive and successful. To begin the search for your first house in the Regina area call 1-306-552-7047 or fill out the online contact form and let’s find the right house for you.

Buying And Selling Regina’s Best Homes

Kelsey Smith is Regina’s choice for buying and selling homes. Buying or selling can be complex and stressful. Selecting the right Realtor® can ease the process. Kelsey Smith brings market insight, extensive experience, a streamlined strategy, top-level marketing know-how, and expert negotiating skills as your real estate partner to ensure the best outcomes for your sale or purchase.

First Time Home Buyer's FAQs

Absolutely. A pre-approval will give you a clear idea of what you are able to spend on your first home. A pre-approval can also streamline the financing process when you place an offer to purchase. But keep in mind that a pre-approval is not a guaranteed loan. Your lender will require further documentation (proof of income, debt load, etc.) before approving financing.

Remember that homes come with necessary maintenance and no property is perfect. Chances are you will have to clean the gutters or do some other repair type maintenance to the property upon move in. However, if something is wrong with any of the major structural systems like the sewer lines, furnace, air exchanger, shingles, or chimney, you may have a right to negotiate a better price or even walk away from the purchase if you feel it’s too much to take on.

As your real estate agent, before you make an offer on any property, I will perform a Comparative Market Analysis to determine what the fair market value of the home is. By making dollar adjustments based on certain value factors against the property you like and others that have sold or are currently available on MLS® Regina, I will be able to help you determine what dollar amount you should offer for the home and what price you should avoid paying.

A Partner For All Of Your Real Estate Goals

A Partner For All Of Your Real Estate Goals

Providing my clients with an exceptional home buying or selling experience is my top priority. First-time home buyers, empty nesters, sellers, and investors can expect current data and insight to make the most informed decisions regarding their real estate transactions. I promise to share my knowledge, my experience, and my time as we work together to achieve your Regina real estate goals. Connect with me for a free consultation at 1-306-552-7047 and let’s partner to make it happen.

Kelsey Smith Is Regina’s Choice

Choosing the right Realtor® is key to ensure a positive and successful real estate transaction. Kelsey Smith promises to deliver the education and time necessary to buy or sell your Regina home. Call 1-306-552-7047 and rest easy knowing you have made the right choice.

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