Because finding your first home should be one for the books...
The journey to homeownership should feel like the milestone it truly is. We guide first-time home buyers through every step, transforming uncertainty into confidence and giving you space to focus on what matters—starting this new chapter on your terms.
...not a chore that you push to the weekend.
Maybe you’ve been scrolling through listings at night, and imagining what it would feel like to have a place that's truly yours.
But with the excitement come the questions: How much can I really afford? What neighbourhoods will give me the best value? Are those gorgeous photos hiding potential problems? What even happens at a home inspection?
Between deciphering mortgage pre-approvals, understanding closing costs, and wondering if you're making the right choice, it's easy to feel like you need a translator for the entire process.
And beneath all the paperwork and terminology lies the real question: "Will this truly feel like home?"
5. Closing & Beyond
We guide you through inspections, paperwork, and closing day celebrations. But our relationship doesn't end with keys—we remain resources for you as you settle in and make your home truly your home.
4. Offer & Negotiation
When you find "the one," we'll craft an offer strategy that protects your interests and positions you competitively. We take care to make sure nothing gets overlooked.
3. Tailored Home Search
We'll curate properties that match both your immediate needs and future potential, pointing out considerations you might not have thought about. Our goal isn't just finding you a house—it's finding the right home for your next stage in life.
2. Education & Preparation
Before we even look at homes, we'll ensure you understand the entire process, connect you with trusted mortgage professionals, and prepare you for what to expect. Knowledge builds confidence, and we want you to feel empowered at every step.
1. Discovery Conversation
Over coffee or a casual call, we'll talk about your vision, must-haves, and financial comfort zone. No pressure, no industry jargon—just an honest conversation about what matters to you and how we can help make it happen.
We’ve curated the first-time home buyer experience to be like that trip to Hawaii that you’ve planned and saved up for.
How it works
Ready to take the first step toward homeownership?
INQUIRE AS A FIRST-TIME HOME BUYER
When it comes to buying your first home, you’re not overwhelmed—you feel lost & exhausted.
We understand finding the right home isn't just about properties—it's about creating the foundation where your life's meaningful moments will unfold.
We've guided 100+ families to their new homes
We believe in seeing beyond today's checkboxes to tomorrow's possibilities, offering accessible expertise that honours both your immediate needs and future dreams.
That’s why having the right real estate guides matter.
Because buying a home wasn’t taught in school. Ask away!
Frequently Asked Questions
Do I need to pay a real estate agent to help me with my home search?
Do I need to pay a real estate agent to help me with my home search?
No, it's free to you! Typically, the seller is responsible for paying both the listing and buyer's agent.
How much do I need for a down payment?
How much do I need for a down payment?
While 20% down is often cited as standard, many first-time buyers purchase with 5-10% down. There are also programs specifically designed to help first-time buyers achieve home ownership. During our discovery conversation, we can discuss options that might work for your situation.
How long does the entire process take?
How long does the entire process take?
From getting pre-approved with your mortgage lender to getting your keys, the typical timeline is 2-4 months. However, this can vary based on market conditions, financing requirements, and how quickly you find "the one." We'll create a realistic timeline based on your specific circumstances.
What costs should I budget for beyond the down payment?
What costs should I budget for beyond the down payment?
You'll want to prepare for closing costs (typically 1-3% of the purchase price), home inspection fees, moving expenses, and potential initial repairs or furnishings. We'll help you understand all potential costs upfront so there are no surprises.
Do I need to work with a specific mortgage lender?
Do I need to work with a specific mortgage lender?
No, you're free to choose any lender! We can recommend trusted professionals we've worked with who specialize in helping first-time buyers, but the decision is entirely yours.
What if I find issues during the home inspection?
What if I find issues during the home inspection?
This is where our expertise becomes particularly valuable. We'll help you understand which issues are minor, which might need negotiation, and which might be significant enough to reconsider the purchase. Your protection is our priority.
Can I buy a home if I have student loans?
Can I buy a home if I have student loans?
Absolutely! Having student loans doesn't disqualify you from buying a home. Lenders look at your debt-to-income ratio rather than the specific types of debt you carry.
Download the Home
Buyer’s Compass!
Save hours Googling “How to buy a home”. Our free, friendly guide walks you through everything you need to know—from financing basics to closing-day celebrations.
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Katrina & the team | EXP REALTY
401 15350 Croydon DrIVE
Surrey, BC V3Z 0Z5
778.743.0424
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Home
Navigate
About
Properties
Buy your first home
Choose your adventure
Upsize
Downsize
Contact
Investments (coming soon...)
Sam's Instagram
Keep in touch
Kent's Instagram