First-Time Buyers
Who it's for
How the team helps
Black Gold Real Estate, brokered by LPT Realty, is Jordan Bird, REALTOR® — 17 years serving clients in real estate and dual licensed in Alberta and Saskatchewan — and Bryce Patterson, REALTOR®. Together we serve Lloydminster and the surrounding communities, including rural acreage and farm properties.
The basics
A mortgage pre-approval tells you what a lender is prepared to offer and shows sellers you're serious. It also stops you from falling for a home outside your budget. Talk to a lender or mortgage broker early — we're happy to connect you.
Your down payment is only part of it. Plan for closing costs such as legal fees, title or land-transfer fees, a home inspection and moving costs, plus ongoing costs like property taxes, utilities and insurance. Your lender and lawyer can confirm the exact amounts.
Lloydminster straddles Alberta and Saskatchewan. The side a home sits on can change some closing costs — like title fees and provincial sales tax on mortgage default insurance.
A REALTOR® helps you understand local values, write a clean offer with sensible conditions, and keep inspections, financing and paperwork on schedule. As a buyer, you can ask how your REALTOR® is paid before you sign anything.
FAQ
General information only, not legal, tax or lending advice. Confirm details for your situation with us, your lawyer and your lender.
Free guide
Tell us where to send it and we'll email you the PDF guide. No spam — just the guide and a personal follow-up if you'd like one.
A straight answer, no pressure — call 306-371-5888 or send a note.
Get in touch
