By Charlotte Ferguson | Mortgage Agent Level 2 | Mortgages by Charlotte

Updated October 2026

Buying your first home in Ontario is exciting. It's also one of the biggest financial decisions you'll ever make.

Between saving for a down payment, qualifying for a mortgage, calculating closing costs and understanding interest rates, there's a lot to navigate.

But here's something many first-time buyers don't realize:

There are programs available that could help you save, reduce certain costs and make homeownership more achievable.

Some offer tax advantages. Others provide rebates, allow you to use existing savings or give you more flexibility with your mortgage payments.

Whether you're buying your first home in Kitchener, Waterloo, Cambridge, Guelph, Elmira or elsewhere in Ontario, understanding these opportunities before you purchase could make a meaningful difference.

Let's explore eight first-time home buyer incentives and financing options available in Ontario in 2026, and more importantly, how to use them.

1. First Home Savings Account (FHSA): Save Up to $40,000 With Tax Advantages

If you're planning to buy your first home, the First Home Savings Account (FHSA) is one of the most valuable savings tools to investigate.

It combines two features that make it particularly attractive:

• Eligible contributions are tax-deductible.

• Qualifying withdrawals, including investment growth, are tax-free.

How much can you contribute?

You generally receive $8,000 of participation room when you open your first FHSA, with a lifetime contribution limit of $40,000. Unused annual room may be carried forward, subject to program limits.

How to use an FHSA

Imagine you're planning to buy a home in three years.

You open an FHSA today and begin contributing regularly toward your down payment.

Your eligible contributions can help reduce your taxable income, while the funds inside the account can grow tax-free.

When you're ready to buy, you may withdraw the money tax-free if you meet the qualifying withdrawal requirements.

And unlike the RRSP Home Buyers' Plan, you don't have to repay a qualifying FHSA withdrawal.

Charlotte's Tip: Don't wait until you're ready to start shopping for a home. FHSA participation room only begins accumulating after you open your first account.

Learn more about the FHSA through the Canada Revenue Agency.

2. Home Buyers' Plan (HBP): Use Up to $60,000 From Your RRSP

Already contributing to a Registered Retirement Savings Plan (RRSP)?

Your retirement savings might also help you purchase your first home.

The federal Home Buyers' Plan allows eligible homebuyers to withdraw up to $60,000 from their RRSP without the withdrawal being immediately taxable, provided they meet the program requirements.

If you're purchasing with a partner and you both qualify, you could potentially access up to $120,000 combined.

How to use the Home Buyers' Plan

Before making a withdrawal, confirm your eligibility and review your RRSP funds.

You can then arrange a qualifying withdrawal through your financial institution using the appropriate Canada Revenue Agency documentation.

The funds can help cover your down payment or other eligible purchase expenses.

There is one important consideration: HBP withdrawals must generally be repaid over 15 years.

For individuals making their first HBP withdrawal in 2026, temporary repayment relief delays the start of required repayments until 2031.

Can you use the FHSA and Home Buyers' Plan together?

Yes!

If you qualify for both programs, you can combine an FHSA qualifying withdrawal with an RRSP Home Buyers' Plan withdrawal toward the same home.

That means an individual who has accumulated $40,000 in an FHSA and has $60,000 available in an RRSP could potentially access $100,000 toward their purchase.

These are your own accumulated savings, not a $100,000 government grant, and different tax and repayment rules apply.

Charlotte's Tip: Just because you can withdraw from your RRSP doesn't always mean you should. Consider the long-term impact on your retirement savings when deciding how much to use.

Read the CRA's official Home Buyers' Plan guide.

3. Ontario Land Transfer Tax Refund: Save Up to $4,000

When buying property in Ontario, land transfer tax is one of the closing costs you need to plan for.

Fortunately, eligible first-time buyers may qualify for a provincial refund of up to $4,000.

This incentive can apply to qualifying resale homes and newly constructed properties.

How to claim the refund

Your real estate lawyer can generally apply the refund when registering your purchase.

Instead of paying the full provincial land transfer tax and waiting to receive the refund afterward, the qualifying amount can usually be credited at closing.

The benefit depends on your eligibility and the actual land transfer tax payable.

Ontario's first-time buyer rules are specific. You generally must be at least 18, must not have owned an eligible home anywhere in the world previously, and must occupy the property as your principal residence within nine months.

Additional rules can apply to spouses, co-purchasers and residency status.

Charlotte's Tip: Always have your lawyer calculate your anticipated land transfer tax before closing. Surprises are lovely on birthdays, but considerably less enjoyable when signing mortgage documents.

Review Ontario's first-time homebuyer land transfer tax refund rules.

4. Federal Home Buyers' Tax Credit: Up to $1,400 in 2026

Here's another benefit that can be overlooked after the excitement of moving day.

The federal Home Buyers' Amount, commonly called the First-Time Home Buyers' Tax Credit, allows eligible purchasers to claim up to $10,000 on their income tax return.

For the 2026 tax year, the federal non-refundable tax credit can be worth up to $1,400 in tax relief, based on the 14% lowest federal tax rate.

How to claim the credit

When filing your income tax return for the year you purchased your qualifying home, claim the Home Buyers' Amount on line 31270.

You should retain documentation confirming your purchase and eligibility.

Because this is a non-refundable tax credit, it reduces the federal income tax you owe. It doesn't automatically create a cash refund if you have no federal tax owing.

Charlotte's Tip: Keep a folder with your purchase agreement, statement of adjustments, mortgage documents and legal closing paperwork. It'll make tax time much easier.

See the CRA's Home Buyers' Amount instructions.

5. Federal First-Time Home Buyers' GST/HST Rebate: Up to $50,000

Considering a newly constructed home?

This newer federal incentive is particularly important to understand.

Eligible first-time buyers can receive a rebate covering the federal GST portion, or federal portion of HST, on qualifying newly built or substantially renovated homes.

For homes priced up to $1 million, the applicable federal tax can be fully rebated, up to a maximum of $50,000.

The rebate decreases for homes valued between $1 million and $1.5 million and is unavailable under this program for homes valued at or above $1.5 million.

How to access the federal rebate

Before signing a new-construction purchase agreement:

1. Confirm the home and purchasers qualify.

2. Ask whether the advertised purchase price includes the rebate.

3. Review the builder's rebate provisions with your lawyer.

4. Confirm who will submit the rebate application.

Depending on the transaction, the builder may credit the rebate to you, or you may need to apply directly through the CRA.

For builder purchases, the qualifying agreement generally must have been entered into on or after March 20, 2025, and before 2031. Other construction, ownership and occupancy deadlines apply.

This incentive generally does not apply to ordinary resale homes.

Charlotte's Tip: Always ask whether a new home's price includes HST and which rebates have already been deducted. Otherwise, you could mistakenly count the same benefit twice.

Explore the federal First-Time Home Buyers' GST/HST Rebate.

6. Ontario First-Time Home Buyers' HST Rebate: Up to $80,000

Ontario first-time buyers purchasing an eligible new home may also benefit from relief on the provincial portion of HST.

For qualifying homes valued up to $1 million, the Ontario first-time buyer rebate, together with the applicable provincial new housing rebate, can provide relief covering the full 8% provincial portion, up to $80,000.

For homes between $1 million and $1.5 million, the standard first-time buyer provincial relief is generally reduced.

An important additional opportunity for 2026

Ontario also introduced a temporary Enhanced New Housing Rebate.

For qualifying builder purchases with agreements generally signed between April 1, 2026, and March 31, 2027, this program may provide provincial HST relief of up to $80,000, including eligible purchases by people who aren't first-time buyers.

Its price thresholds differ from those of the standard first-time buyer rebate.

These provincial rebates overlap. They are not separate $80,000 payments that can simply be added together.

For an eligible first-time buyer purchasing a qualifying $1 million newly built home, the combined federal and provincial tax relief could reach $130,000, subject to the applicable rules.

How to use the Ontario rebates

Start by confirming the date of your builder agreement, the property value and whether the purchase meets the relevant program's conditions.

Then review the purchase agreement and statement of adjustments with your lawyer to identify which rebates are already included in the price.

The rebate application may be submitted by the builder or purchaser, depending on how the transaction is structured.

Charlotte's Tip: New construction requires careful planning. Builder deposits, closing adjustments, occupancy arrangements and rebate eligibility all need to be reviewed before committing to a purchase.

Read the Ontario first-time buyer rebate rules.

Learn about Ontario's Enhanced New Housing Rebate.

7. 30-Year Mortgage Amortization: More Monthly Payment Flexibility

Not every first-time buyer benefit comes in the form of a tax refund or savings account.

Some provide additional flexibility in structuring your mortgage.

Eligible first-time buyers can access a 30-year amortization on insured mortgages. This option is also available for qualifying purchases of newly constructed homes.

What's the difference between 25 and 30 years?

Your amortization is the total estimated period over which your mortgage would be repaid based on its scheduled payments.

A longer amortization generally means:

• Lower required monthly mortgage payments

• Greater monthly cash-flow flexibility

• More interest paid over the mortgage's lifetime, assuming comparable terms and rates

How to use this option

During your mortgage pre-approval, compare a 25-year mortgage with a 30-year mortgage.

Look at the monthly payment, mortgage insurance premiums, total borrowing costs and long-term financial goals.

A lower monthly payment may make budgeting more comfortable, but it isn't automatically the best financial choice.

Charlotte's Tip: I believe your mortgage should fit your life, not consume it. Understanding the payment options before making an offer helps you make a more confident decision.

Learn about Canada's expanded 30-year insured mortgage options.

8. Minimum Down Payments: You May Not Need 20% to Buy Your First Home

One of the biggest misconceptions about buying a home is that you must save a 20% down payment before you can qualify.

That's simply not true for every purchase.

In Canada, eligible buyers can purchase certain properties with a down payment starting at 5%, using mortgage default insurance.

This is a financing option available to qualifying buyers generally, not a first-time buyer grant.

How much down payment do you need in Ontario?

For an eligible property:

Example: Buying a $600,000 Home

If you purchase a home for $600,000:

5% of the first $500,000 = $25,000

10% of the remaining $100,000 = $10,000

Minimum down payment: $35,000

That's significantly less than the $120,000 you would need for a 20% down payment.

There are important additional considerations.

With less than 20% down, mortgage default insurance is generally required. Buyers must still qualify based on lender and insurer requirements, and need money for legal fees, applicable land transfer tax, moving expenses and other closing costs.

Charlotte's Tip: Don't confuse the minimum down payment with the total amount needed to purchase a home. Your complete budget needs to account for both.

Read the Financial Consumer Agency of Canada's down payment guide.

Can You Combine First-Time Home Buyer Incentives in Ontario?

In many cases, yes, provided you meet the requirements of each program.

For example, a qualifying first-time buyer purchasing a resale home might use an FHSA and the RRSP Home Buyers' Plan toward the down payment, receive an Ontario land transfer tax refund at closing and claim the federal Home Buyers' Amount when filing taxes.

They may also qualify for insured mortgage financing with a smaller down payment and a 30-year amortization.

Someone purchasing eligible new construction may have additional GST/HST rebate opportunities.

The important distinction is that these programs work differently. Some involve your own savings, some reduce taxes, some provide rebates, and others change how your mortgage is structured.

You cannot simply add every amount together and assume you'll receive that much money.

Each program has its own conditions, limits and timing requirements.

First-Time Home Buyer Incentives in Kitchener, Waterloo, Cambridge and Guelph

If you're considering your first property in Waterloo Region or Wellington County, your purchase strategy should begin well before you start visiting open houses.

A home in Kitchener may come with different property taxes, carrying costs and housing options than a similar home in Cambridge, Waterloo, Elmira or Guelph.

Whether you're considering a condominium, townhouse, semi-detached home or detached property, it's important to understand the full financial picture.

As a Mortgage Agent Level 2 serving Ontario, I help buyers review their financing options, understand lender requirements and prepare a mortgage strategy that supports their goals.

That includes exploring available first-time buyer programs and determining which ones may be relevant to their circumstances.

Frequently Asked Questions About First-Time Home Buyer Incentives

Can I use an FHSA and RRSP Home Buyers' Plan together?

Yes. Eligible purchasers can use a qualifying FHSA withdrawal and the RRSP Home Buyers' Plan toward the same qualifying home, provided they meet the requirements of both programs.

Is there a first-time home buyer grant in Ontario?

There isn't one universal cash grant available to every first-time buyer. However, there are federal and provincial tax credits, refunds, rebates and savings programs that may provide significant financial advantages.

Some communities or housing providers may offer additional assistance programs with separate eligibility requirements.

Do first-time buyer incentives apply to resale homes?

Several do, including the FHSA, the Home Buyers' Plan, Ontario's land transfer tax refund and the federal Home Buyers' Amount.

The first-time buyer GST/HST rebates are generally directed toward qualifying newly constructed or substantially renovated housing rather than ordinary resale purchases.

Am I considered a first-time buyer if I owned a home years ago?

Possibly, for certain federal programs.

Some federal programs use a four-year lookback period, while Ontario's land transfer tax refund has different rules concerning previous ownership.

This is why eligibility should be checked separately for each incentive.

Should I open an FHSA before I'm ready to buy?

It can be advantageous to open an FHSA early if you're eligible and the account fits your savings plan, because participation room begins accumulating once your first FHSA is opened.

Your First Home Starts With a Financial Plan

Buying your first home should feel exciting, not overwhelming.

The more you understand about available programs, down payment strategies and mortgage options, the better prepared you'll be to make informed decisions.

You don't need to understand every mortgage rule before getting started.

You just need a plan, the right information and someone who can help you connect the pieces.

If you're considering buying your first home in Kitchener, Waterloo, Cambridge, Guelph, Elmira or anywhere in Ontario, I'd be delighted to help you explore your options.

Ready to take the next step?

Visit Mortgage with Char to learn more, or start your mortgage application here.

Let's make sure you understand what's available before you make one of life's biggest purchases.

Charlotte Ferguson
Mortgage Agent Level 2 | Licence M08009211
Dominion Lending Centres National Ltd. | Brokerage Licence #12360
Mortgages by Charlotte
www.mortgagewithchar.com
Instagram: @mortgagesbycharlotte

Disclaimer: Program information is current as of October 8, 2026, and is provided for educational purposes. Government programs, eligibility rules, lending policies, tax rates and rebate availability may change. The information does not constitute personalized mortgage, legal, tax or financial advice. Consult the appropriate qualified professionals and verify current program requirements before making purchasing decisions. Mortgage approval is subject to lender and insurer requirements.

October 2026 | Mortgages by Charlotte

If you’ve been watching Ontario home prices and quietly wondering whether homeownership is still within reach, here’s a better question:

What can you comfortably afford, and what does that actually buy you?

Rather than talking in hypotheticals, let’s use a real property currently on the market.

146 Benson Street in Ingersoll is listed at $450,000. It offers three bedrooms, 1.5 bathrooms and 1,249 square feet above grade. Quick CMA5989

And at this price point, the mortgage math may look different than you expect.

First, What Does $450,000 Look Like in the Current Market?

I pulled a current comparison of three-bedroom homes in Ingersoll and surrounding communities on October 6, 2026.

The three active listings in that comparison were:

• 146 Benson Street, Ingersoll: $450,000

• 600 Peel Street, Woodstock: $474,999

• 39 Albert Street W, Plattsville: $499,900

That puts 146 Benson at the lowest asking price of the three active properties in this particular comparison. Quick CMA5989

There is also some useful recent market context. A three-bedroom home at 260 Robinson in Woodstock is pending at $440,000 after being listed at $449,900. Quick CMA5989

Two other comparable properties in the report sold earlier this year for $495,000 and $500,000. Quick CMA5989

This doesn't mean every three-bedroom home is worth the same amount. Far from it. Location, condition, size, lot, renovations and other features matter.

What it does show is that there are still opportunities below $500,000 in this part of Southwestern Ontario.

How Much Down Payment Would You Need on a $450,000 Home?

Here's where people are sometimes surprised.

You do not necessarily need $90,000 saved to purchase a $450,000 home.

With a purchase price of $450,000, a 5% minimum down payment would be:

$22,500

With less than 20% down, the mortgage would generally be considered an insured mortgage, which means mortgage default insurance would apply.

That insurance premium can generally be added to the mortgage rather than requiring you to pay the entire premium out of pocket at closing.

So when someone tells me:

“I thought I needed 20% down.”

That's an excellent time for us to actually run the numbers.

Twenty percent down can certainly have advantages, but it isn't the minimum required for every purchase.

Your Down Payment Isn't Your Entire Home-Buying Budget

This part matters.

If you've saved $22,500, that doesn't necessarily mean you're ready to purchase a $450,000 property tomorrow.

There are other costs that need room in the plan, including legal fees, title insurance, land transfer tax, adjustments for items such as property taxes or utilities, moving expenses and other closing-related costs.

If you're an eligible first-time home buyer, there may also be programs, rebates and savings tools available to you.

That's why I don't like building a home-buying plan around one number.

We need to look at the whole transaction.

Can You Actually Qualify for the Mortgage?

This is where an online mortgage calculator reaches the end of its usefulness.

Two buyers looking at exactly the same $450,000 home can have completely different financing options.

Your qualification can be affected by your income, down payment, credit profile, car payments, credit cards and lines of credit, student loans, other monthly obligations, property taxes and the mortgage product and qualifying requirements that apply to you.

That's why your maximum purchase price should never be based solely on what someone else bought or what an online calculator spits out.

Your mortgage should fit your life.

The Better Question Isn't “What's the Biggest Mortgage I Can Get?”

I would much rather answer:

“What can I comfortably afford?”

And then:

“What does that budget actually buy me?”

That's a much more useful conversation.

Maybe $450,000 works comfortably.

Maybe $425,000 gives you the breathing room you want.

Maybe your income supports considerably more, but you'd rather keep your monthly housing costs lower so you can travel, save, invest or simply not feel like your house eats every dollar you earn.

There isn't one correct answer.

The goal isn't to win a trophy for obtaining the largest mortgage approval possible. 🏆

The goal is to buy a home you can actually enjoy living in.

Could Looking Outside Your Original Search Area Change the Numbers?

Absolutely.

This is one of the reasons I wanted to use 146 Benson Street in Ingersoll for this example.

For buyers who have primarily been looking in Kitchener-Waterloo or other higher-priced markets, widening the search area can sometimes change what's possible.

That doesn't mean everyone should move farther away simply to buy a house.

It means location is another lever we can examine, alongside purchase price, down payment, property type and mortgage structure.

Sometimes a slightly different map creates a very different financial picture.

Let's Run YOUR Numbers

If you're looking at 146 Benson Street, another property around $450,000, or you're simply trying to figure out whether buying a home is realistic right now, we can start there.

I'll look at your actual income, debts, available down payment and goals and help you understand:

What you may qualify for. What the monthly cost could look like. How much cash you'll need. What costs we need to anticipate. And, most importantly, what price range actually makes sense for you.

No assumptions.

No deciding you're priced out before we've even opened the calculator.

And no stretching yourself simply because a lender says you technically can.

Curious about 146 Benson?

Send me “BENSON” and I'll run the mortgage numbers with you.

Or, if Benson isn't your house, send me the address of one that is.

Because the question isn't simply “Can I get a mortgage?”

It's:

“What does homeownership look like for me?”

Let's find out. 🏡

Charlotte Ferguson
Mortgage Agent Level 2 | M08009211
Dominion Lending Centres National Ltd.
Brokerage #12360
Mortgages by Charlotte

Mortgage qualification, rates, payments and product availability are subject to lender and insurer criteria and approval. Examples are for educational purposes and do not constitute a commitment to lend.

A three-bedroom home is Coming Soon to MLS® in Ingersoll this Friday for $500,000.

But a listing price is only one piece of the home-buying puzzle. What might purchasing a $500,000 home actually look like once we account for the down payment, mortgage default insurance and estimated monthly payment?

Let’s do the mortgage math.

Our Sample Calculation

To keep the comparison consistent, the estimates below use:

A $500,000 purchase price

A sample interest rate of 4.49%

A five-year fixed mortgage

A 25-year amortization

Monthly mortgage payments

The 4.49% rate is being used strictly as an educational example. Available rates and mortgage products depend on the borrower, property, lender and date of application.

Option One: A 5% Down Payment

For a home priced at $500,000, the minimum down payment is 5%, subject to lender and mortgage-insurer approval.

Purchase price: $500,000

Down payment: $25,000

Base mortgage: $475,000

Estimated mortgage-insurance premium: $19,000

Estimated total mortgage: $494,000

Estimated monthly payment: $2,731

Because the down payment is below 20%, mortgage default insurance would normally be required. The premium protects the lender—not the borrower—and is generally added to the mortgage.

In Ontario, provincial sales tax on the insurance premium cannot be added to the mortgage. In this example, the estimated tax would be approximately $1,520 and would need to be paid as part of the buyer’s closing costs.

Option Two: A 10% Down Payment

A larger down payment reduces both the amount borrowed and the applicable mortgage-insurance premium.

Purchase price: $500,000

Down payment: $50,000

Base mortgage: $450,000

Estimated mortgage-insurance premium: $13,950

Estimated total mortgage: $463,950

Estimated monthly payment: $2,565

The estimated monthly payment is approximately $166 lower than with a 5% down payment.

The estimated Ontario sales tax on the insurance premium would be approximately $1,116, payable at closing.

Option Three: A 20% Down Payment

With 20% down, mortgage default insurance is generally not required.

Purchase price: $500,000

Down payment: $100,000

Estimated mortgage amount: $400,000

Mortgage-insurance premium: $0

Estimated monthly payment: $2,212

This option produces the lowest estimated monthly mortgage payment, but it also requires significantly more money upfront.

Comparing the Three Options

A larger down payment can reduce your mortgage and monthly payment, but putting every available dollar into the down payment is not always the best strategy.

Buyers should also retain enough money for closing costs, moving expenses, immediate repairs and a comfortable emergency fund.

What About Land Transfer Tax?

The regular Ontario land transfer tax on a $500,000 purchase would be approximately $6,475.

An eligible first-time homebuyer may qualify for an Ontario land transfer tax refund of up to $4,000. If the full refund applies, the remaining provincial land transfer tax would be approximately $2,475.

Eligibility requirements apply, and your lawyer will confirm the actual tax and any available refund.

The Mortgage Payment Is Not the Entire Housing Payment

Your monthly ownership budget may also need to include:

Property taxes

Home insurance

Heating and utilities

Maintenance and repairs

Any applicable condominium or association fees

Existing loan, credit card or vehicle payments

This is why mortgage qualification and comfortable affordability are not necessarily the same number.

A lender may approve a particular purchase price, but your personal budget determines whether the resulting payment feels manageable.

How Much Income Would You Need?

There is no single income requirement that applies to every buyer.

Qualification depends on the interest rate used for the mortgage stress test, property taxes, heating costs, down payment, credit history and the applicant’s existing monthly debt obligations.

Two households earning the same income can qualify for very different mortgage amounts because their debts, credit profiles and down payments are different.

The most useful calculation is not, “What is the largest mortgage I can obtain?”

It is, “What purchase price gives me a payment I can comfortably carry while still living my life?”

Let’s Calculate Your Version

These numbers are examples—not a mortgage approval or rate commitment.

If this $500,000 Ingersoll home has caught your attention, I can calculate the numbers using your actual down payment, income, debts and preferred payment schedule.

Send me the word “MATH” for a personalized mortgage calculation before the property hits MLS® this Friday.

Charlotte Ferguson

Mortgage Agent Level 2, Licence M08009211

Dominion Lending Centres National Ltd. #12360

Calculations are estimates for educational purposes and may differ because of interest rates, insurer requirements, lender policies, payment frequency, rounding and individual qualification.

Ingersoll buyers, here is your official little heads-up. 👀

A three-bedroom home is Coming Soon to MLS® this Friday—and it will be listed at $500,000.

I am keeping the address and photographs tucked safely behind the curtain for just a little longer, but I can share enough to help interested buyers get ready.

What We Can Tell You So Far

This Ingersoll home offers:

• Three bedrooms

• One-and-a-half bathrooms

• A desirable corner lot

• Ample parking

• A $500,000 list price

It could be an excellent option for first-time buyers, downsizers, commuters or anyone searching for an attainable home with practical living space.

In other words, you may not need a secret lottery win to get into this one—which is always a refreshing feature in real estate.

Why Consider Living in Ingersoll?

Ingersoll offers a welcoming small-town atmosphere while keeping residents connected to several larger employment and service centres across Southwestern Ontario.

Its location provides convenient access to Highway 401, making it worth considering for buyers commuting toward Woodstock, London and surrounding communities.

Residents can enjoy established neighbourhoods, local shops, community facilities, parks and everyday amenities without giving up convenient highway access.

For buyers who have been searching in larger urban markets, Ingersoll may also offer an opportunity to explore more home for their budget.

Who Might This Home Suit?

With three bedrooms and 1.5 bathrooms, the home provides a flexible layout for a variety of needs.

One bedroom could become a home office, guest room, hobby space or—let’s be honest—the room where unfolded laundry goes to contemplate its future.

The corner lot adds outdoor presence, while ample parking is particularly helpful for multi-vehicle households, commuters and visiting family or friends.

Get Ready Before Friday

If this sounds like it could match your wish list, now is the time to speak with your mortgage professional and confirm your purchasing position.

Having a current pre-approval can help you understand:

• Your comfortable purchase budget

• The down payment you will require

• Estimated closing costs

• Your potential monthly mortgage payment

• Any conditions that may be needed in an offer

Preparation does not obligate you to purchase the home. It simply places you in a stronger position to make an informed decision once the full listing becomes available.

Want the Full Listing First?

The property officially hits MLS® this Friday. At that time, I will be able to share the address, photographs and complete listing details.

Want them delivered directly to you instead of repeatedly refreshing your screen like a tiny real estate detective?

Text me the word “INGERSOLL”, and I will send you the full listing as soon as it goes live.

Charlotte Ferguson
REALTOR®
Magnolia Group Realty
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