First Time Home Buyer

Step 1: Dream Big, Budget Smart 

What does your dream home look like? Cozy bungalow? Farmhouse with a view? Whatever it is, start by figuring out what you can afford. A good rule of thumb: your mortgage payment should be no more than 30% of your monthly income. Need help crunching the numbers? Our team is happy to sit down over coffee and walk you through it!

Step 2: Get Pre-Approved (a.k.a. Your Secret Superpower) 

Pre-approval tells you how much you can borrow and shows sellers you mean business. It also means fewer surprises down the road. We make the process quick and painless—no confusing jargon, just straight talk.

Step 3: House Hunt Like a Pro 

Start exploring! Take notes, snap pictures, and ask questions. Don’t be shy about checking out the furnace or flushing a toilet—it’s going to be your house, after all.

Step 4: Make an Offer 

Found "the one"? Time to make a move. Your realtor will help you craft a solid offer. If there are negotiotions, stay calm - we’ve got plenty of virtual high-fives and real-life support to keep you going.

Step 5: Seal the Deal 

Once your offer is accepted, it’s paperwork time! Home inspections, legal bits, and mortgage finalization - we’ll guide you through every detail, so nothing falls through the cracks.

Step 6: Move In & Celebrate!

You did it! Time to grab those keys and pop the bubbly. Welcome to homeownership—where the Wi-Fi connects automatically, and the fridge is always stocked with your favorites.

We’re With You, Every Step

Whether you’re just starting to dream or already picking out paint swatches, we’re here to help. Pop into any Prosperity Credit Union branch across rural Saskatchewan - we can’t wait to help you make your home sweet home a reality.