Your Path to Homeownership
First-Time Home Buyers Guide
Discover everything you need to know to make your first home purchase in Cumberland County a success. From understanding mortgage options to exploring local rebates, we guide you every step of the way.
Key Features of Buying Your First Home
Mortgage Pre-Approval
Secure a mortgage pre-approval to understand your budget and strengthen your offers.
Local Expertise
Work with local REALTORS® who know Cumberland County inside and out.
Home Inspection Services
Ensure your new home is safe and sound with professional inspection services.
Available Rebates & Grants
Down Payment Assistance Program (NS)
Receive up to $15,000 as an interest-free loan to assist with your down payment. Link here!
NS First-Time Home Buyers’ HST Rebate
Claim up to $3,000 to offset the cost of HST on your first home purchase. Check it out here!
Federal GST/HST New Housing Rebate
Get up to $6,300 back on the GST/HST paid for your new home. Go Here!
Home Buyers’ Tax Credit
Benefit from a federal tax credit of up to $1,500 when you purchase your first home. See it here!
RRSP Home Buyers’ Plan
Withdraw up to $35,000 from your RRSPs tax-free to use towards your home purchase. Go here!
Energy Efficiency Rebates
Access rebates for making energy-efficient upgrades to your new home. Link Here!
Green Home Program
Participate in programs that offer incentives for purchasing energy-efficient homes. Click Here!
Mortgage Market Insights
In the past year, 30-year fixed mortgage rates have averaged around 3.75%.
Determine Your Budget
Assess your financial situation and establish a realistic budget for your home purchase.
Check Your Credit Score
Review your credit report and score to ensure you qualify for the best mortgage rates.
Get Pre-Approved for a Mortgage
Contact multiple lenders to get pre-approved for a mortgage, which will give you a clear idea of your borrowing capacity.
Explore Down Payment Assistance
Research available programs that offer financial support for your down payment.
Unlock Your First Home with Experienced Guidance
Reach out to Starscape Realty for personalized support on your home buying journey. Our team is ready to help you navigate every step, ensuring a seamless and successful experience.
Rick Adshade
Broker Owner
Julie Cotter
REALTOR
Sarkis Nerses
REALTOR