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Buyer's Experience

A Step-by-Step First Time Buyer's Guide

Buying a home is one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first time buyer’s guide created by your agent will help reduce the stress of buying a home and help you enjoy the journey as much as possible.

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Hire A Calgary Realtor (Step 1)

Choosing the right person to help you find homes for sale in Calgary SW is super important. Think of your real estate agent like a Tesla—not just any car, but one that can drive all by itself! This person will be your guide, making sure you zip past any problems on the road to finding your perfect home. They're like a superhero, bringing together a team of top house-finding experts to make sure you're a winner in the house hunt. With their help, you'll find amazing places, just right for you and your family, in lovely areas like SW Calgary. Don't wait, jump into this exciting journey to find your dream home!

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Get Pre-approved (Step 2)

Before you set out to explore homes for sale in Calgary SW, getting pre-approved is your secret weapon. It's like having a magic key to open any door in the house-hunting adventure. Here's why it's a game-changer:

Powerful Offers

With a pre-approval letter, you're like a front-runner in a race, ready to win. Learn more about making an offer.

Quick Decisions

 Spot your dream home? You can confidently say "It's mine!" right away. Check out our latest listings.

Preferred by Sellers

Show them you're serious and ready with the funds. Understand why in our seller's guide.

Speedy Process

 Having your financials sorted means a faster journey to your new home.

Stress-Free Shopping

You'll know exactly which homes fit your budget.

Rate Hold Perk

 Get a rate hold with your pre-approval, locking in your interest rate for 90-120 days. It can't go up, only down, keeping you safe from unpredictable rate changes. Discover more about interest rates.

Absolutely Free

 Here's the best part - it costs you nothing! Yes, zero dollars. It's a fantastic, cost-free service offered by mortgage brokers, making it a no-brainer to utilize for anyone serious about securing their dream home. Connect with our recommended mortgage brokers.

Remember, the best path to this golden ticket is through a trusted mortgage broker. Your real estate hero from Step 1 will point you to a stellar broker, ensuring a swift and successful pre-approval, setting you up for a victorious home-buying journey!

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Fine-Tune Your Dream Home Checklist and Timeline (Step 3)

Now that you're ready with pre-approval, it's time to shape your dream into a plan. Imagine creating a treasure map where X marks your perfect home. This step is all about making your 'must-haves' and 'nice-to-haves' list.

Space and Size

Do you need a big backyard for your dog? Or maybe enough rooms for a growing family?


Dreaming of a quiet suburb or love the buzz of downtown? Maybe a lovely spot in SW Calgary?

Lifestyle Needs

A home office, a big kitchen, or maybe close to schools or your job?


When do you want to move in? Are you flexible or do you have a specific date in mind?

Your real estate agent, the guide from Step 1 will help you balance your wishes with reality and find homes that tick most, if not all, of your boxes. They’ll also help set a realistic timeline, considering the current market, so you’re not just dreaming – you're planning! Start this exciting phase by exploring our Home Buyer's Checklist for more insights.

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View Properties: Step Into Your Future Home (Step 4)

It's showtime! Now, I get to take you to step into potential homes and see which one feels right for you. Viewing properties is like trying on shoes - we need to find the perfect fit for you. This exciting phase involves:

Visiting Homes

I will arrange visits to homes that match your dream list. Whether it’s cozy condos or spacious houses in SW Calgary, we’ll explore them together.

Visualizing Your Life

As we walk through each home, I encourage you to imagine your life there. Think about where your furniture might go and if the spaces meet your needs. It's all about seeing yourself in these new surroundings.

Checking Details

I'll help you pay attention to the little things: the quality of natural light, the size of the bedrooms, and more. These details are crucial in finding your ideal home.

Asking Questions

Got questions about the neighbourhood or potential renovations? Feel free to ask. I'm here to help you gather all the necessary information.

Taking Your Time

There’s no need to rush. We'll take our time to feel the vibe of each home. Remember, this is a significant decision, and we want to make sure it’s the right one.

Viewing properties is more than just looking at houses; it's about discovering where your next chapter begins. So, let's start this thrilling journey to find your dream home together!

My goal is to provide you with the most personalized service that is designed to help you buy your dream home.

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Make an Offer: Sealing Your Dream Home Deal (Step 5)

This is the moment we've been preparing for! After finding the perfect home, it’s time to make an offer. This step is a blend of strategy and excitement - like playing a game where the prize is your future home. Here's how we'll handle it:

Crafting the Offer

Together, we'll put together an offer that's fair yet appealing to the seller. It's about finding that sweet spot - a price that works for you and is enticing for them.

Understanding the Market

I'll provide insights into the current market conditions. This knowledge is crucial to making an offer that stands out, especially in popular areas like SW Calgary.

Negotiation Skills

Negotiating is part art, part science. With my experience, I'll negotiate on your behalf, aiming for the best possible terms while keeping your interests at the forefront.

Handling Paperwork

I'll take care of all the paperwork, ensuring everything is in order for a smooth process. You won’t have to worry about the complexities – I’ve got it covered.


Throughout this process, I’ll keep you updated every step of the way. You'll never be in the dark about where things stand.

Making an offer is a critical step, but with the right preparation and support, it's also an exhilarating one. Let's take this leap together and get you one step closer to owning your dream home!

A list of home inspection tips for Calgary home buyers

Complete Inspection and/or Condo Doc Review: Ensuring Your Peace of Mind (Step 6)

After making an offer and having it accepted, it’s time for a crucial phase - the inspection for houses or condo document review for condominiums. This step is all about making sure your new home is just as perfect as it seems. Here's how we'll approach it:

Scheduling the Inspection

For a house, we’ll arrange a professional inspection. This is like a health check-up for the home, ensuring everything from the foundation to the roof is in good shape.

Reviewing Condo Documents

If you’re buying a condo, I’ll help you review all the important documents. We’ll look at the condo association's health, checking things like financial statements and bylaws.

Understanding the Findings

Whether it's inspection results or condo documents, I’ll help you understand every detail. It’s important that you know exactly what you’re getting into.

Making Informed Decisions

Based on the findings, we might need to renegotiate the deal or ask for repairs. I’m here to advise you on the best course of action.

Peace of Mind

This step ensures that there are no surprises after you move in. It’s all about making sure your new home is safe, sound, and a smart investment.

Completing a thorough inspection or condo document review is essential for your peace of mind. With my guidance, you can feel confident about moving forward with your purchase.


Sign Closing Documents with the Lawyer: Finalizing Your Home Purchase (Step 7)

We’re almost there! About 7-10 days before your closing date, you'll have an important meeting with a lawyer to sign the closing documents. This is the final stretch where your dream home officially becomes yours. Here’s what this step involves:

Meeting with the Lawyer

I’ll coordinate with your lawyer to set up a meeting. This is when you'll review and sign various legal documents related to the home purchase.

Understanding the Documents

The lawyer will explain all the documents you’re signing, including the title transfer, mortgage agreements, and any other relevant paperwork.

Reviewing Financial Details

You'll also go over the final financial details, like closing costs, property taxes, and any remaining fees. It's crucial to understand every aspect of these costs.

Asking Questions

This is your opportunity to clarify any doubts or questions you might have. Remember, no question is too small – it’s important you fully understand the process.

The Final Step

Once everything is signed, the lawyer will handle the rest. They’ll ensure all legal and financial aspects are taken care of, paving the way for a smooth closing.

Signing the closing documents is a significant milestone. It's the moment when all your planning and decision-making come to fruition, leading up to the day when you receive the keys to your new home.

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Final Walk-Through and Possession: The Last Check Before Your New Beginning (Step 8)

Just one day before you officially take possession, there's a critical step: the final walk-through. This is when we ensure everything in your new home is exactly as agreed in the contract. It's a moment of excitement and attention to detail. Here's what you can expect:

Conducting the Final Walk-Through

We'll do a thorough walk-through of the property about 24 hours before possession. This is to check that all conditions of the contract have been met.

Assessing the Property

During this visit, we'll inspect everything to make sure the seller has fulfilled their obligations. We’ll look at repairs, fixtures, and any other agreed-upon items.

Addressing Any Issues

If we find anything that's not up to the mark, this is the time to address it with the seller. It’s important to resolve these issues before the final funds are transferred.

Preparing for Possession

With the walk-through complete and everything in order, the next step is exciting – getting the keys to your new home! The following day, you'll officially take possession and start a new chapter in your life.

Celebrating Your New Home

Once the keys are in your hand, the home is yours! It's time to celebrate and plan your move into the space you've been dreaming of.

The final walk-through is more than just a formality; it's your assurance that everything is as you expect in your new home. I’ll be there with you every step of the way, ensuring a seamless transition to this exciting new phase of your life.

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Enroll in the VIP Client for Life Program with Spencer Rivers (Step 9)

Congratulations on your new home! As the final step, I invite you to join an exclusive club: the VIP Client for Life Program with Spencer Rivers. This program is designed to provide you with ongoing support, advice, and benefits well beyond the closing of your home. Here's what it includes:

Continuous Support

Even after you’ve moved in, you can count on me for any real estate advice or assistance you might need. Think of me as your lifelong real estate consultant.

Exclusive Updates and Insights

As a VIP member, you'll receive regular updates on the real estate market, insights that can help you make informed decisions about your property in the future.

Special Offers and Services

Enjoy access to special offers, services, and events exclusively available to VIP members. This includes everything from home maintenance tips to client appreciation events.

Referral Rewards

When you refer friends or family to Spencer Rivers, you’ll receive special rewards as a token of appreciation for your trust and support.

Building a Lasting Relationship

This program is about more than just transactions; it's about building a lasting relationship where your ongoing satisfaction is the top priority.

Joining the VIP Client for Life Program is the perfect way to stay connected and informed, ensuring that your real estate needs are always taken care of. Welcome to a lifelong partnership with Spencer Rivers!


After signing the final paperwork to complete the purchase, you are now the owner of a new house. It may take a few days for your loan to be funded once the paperwork has been returned to the lender, but once that check is delivered to the seller, you’ll be all set to move into the home of your dreams. 

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A specialist in marketing and negotiating luxury homes, Spencer is continuously achieving record-breaking results for his clients.

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