Your First-Time Home Buyers Road Map in Saint John, NB

Welcome to Your First Home Journey

If you’re considering buying your first home in Saint John, New Brunswick, you’re in the right place. At Trust Kene Homes, we understand that this is more than just a transaction. It’s a major life milestone. Whether you’re a young professional, a growing family, or a newcomer to Canada, this guide is designed just for you.

Buying your first home can feel overwhelming, but I’m here to simplify it. As your local REALTOR® with in-depth knowledge of the Saint John real estate market, I’ll help you move forward with clarity and confidence. Let’s walk through this together.

Step 1: Should You Buy a Home Right Now?

Before diving in, let’s figure out if buying is the right move for you:

• How long do you plan to live in Saint John?
• Are you financially stable with a steady income?
• Would you rather build equity than pay rent?

Let’s have that conversation. I can help you weigh the pros and cons of buying vs. renting, based on your lifestyle and financial situation.

Step 2: Understand Your Finances

This is the foundation of your home-buying process. Here’s what to do:

• Check your credit score (aim for 680+ for better mortgage options)
• Know your monthly budget and existing debts
• Start saving for a down payment (at least 5% of the purchase price)

I can connect you with trusted mortgage advisors who will explain your options and get you pre-qualified.

Step 3: Get Pre-Approved for a Mortgage

Mortgage pre-approval helps you:

• Know your price range
• Strengthen your offers
• Show sellers you’re serious

We’ll work together to find lenders or brokers who offer competitive rates tailored to your needs.

Step 4: Partner with the Right Local REALTOR®

That’s where I come in. As a licensed REALTOR® here in Saint John with RE/MAX Professionals, I bring local insights, market trends, and negotiation expertise to the table. I’m not just here to help you buy a house—I’m here to help you find the right home.

Step 5: Let’s Start the House Hunt!

We’ll define your:

• Must-haves (e.g., 3 bedrooms, garage, location)
• Nice-to-haves (e.g., finished basement, large backyard)

We’ll tour homes together, attend open houses, and I’ll help you see the possibilities in every space.

Step 6: Make a Winning Offer

When you find “the one,” I’ll guide you in:

• Writing a competitive offer
• Including the right conditions (home inspection, financing, etc.)
• Negotiating price and terms

You won’t be doing this alone—I’ll advocate for your best interests every step of the way.

Step 7: Finalize the Purchase

Here’s what happens:

• Hire a home inspector (I can recommend trusted professionals)
• Finalize your mortgage with your lender
• Review documents with a real estate lawyer

This is the legal and financial phase, and I’ll make sure nothing falls through the cracks.

Step 8: Close and Move In 🎉

Once everything is in place:

• You’ll sign the final paperwork
• Pay closing costs (land transfer tax, legal fees, etc.)
• Pick up your keys—and celebrate!

Welcome to homeownership in Saint John!

First-Time Buyer Programs You May Qualify For:

1. First-Time Home Buyer Incentive – Shared equity program with the federal government
2. Home Buyers’ Plan (HBP) – Withdraw up to $35,000 from your RRSP tax-free
3. New Brunswick Housing Assistance – Local financial aid for modest-income buyers

I’ll help you explore which programs you’re eligible for.

COSTS TO PREPARE FOR

• Down Payment (Minimum 5%)
• Legal Fees & Title Insurance
• Home Inspection Fees
• Mortgage Insurance (if applicable)
• Moving & Utility Setup Costs

TIPS FOR FIRST-TIME BUYERS

• Plan for the long term
• Stick to your budget
• Be ready to act quickly in a competitive market
• Stay patient—it’s a process

My Role As Your REALTOR®:

I do more than show houses:

• I educate you about the local market
• I connect you with mortgage brokers, lawyers, and inspectors
• I negotiate and protect your interests
• I stay by your side until you’re happily settled

You’re not just buying a property—you’re building a future. Let’s make it a smart, exciting, and stress-free experience.

Ready to Start Your Journey?

Let’s have a quick, no-pressure chat. I’d love to hear your goals, answer your questions, and help you decide what’s best for you.

📍 Saint John, New Brunswick
📞 506-271-1246
📧 keneonuora35@gmail.com
🌐 www.TrustKeneHomes.Com