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Alberta First Responder Mortgage Program: Why Fall Is the Best Time to Buy a Home 

For Alberta’s first responders—police officers, firefighters, paramedics, correctional staff, peace officers, and AUPE healthcare members—owning a home is more than just a financial milestone. It’s about creating stability for your family while continuing to serve your community. If you’ve been thinking about making the move, 

fall is one of the best times of year to buy a home in Alberta

—especially when combined with the benefits of the 

Alberta First Responder Mortgage Program

 Why Fall Is a Smart Time to Buy in Alberta 1. Less Buyer Competition 

Spring and summer are busy in real estate. By fall, many buyers have already purchased, which means 

fewer bidding wars and better negotiating power

 for first responders. 

2. Motivated Sellers 

Homes that have been on the market through summer often see 

price reductions

 in the fall, with sellers eager to close before winter or year-end. 

3. Stable Market Insights 

By autumn, real estate trends are clearer, giving you and your broker better insight into 

affordable pricing and long-term value

4. Timing for Families 

Fall gives families time to settle in before the holiday season and the start of a new year—making it an ideal move-in period. 

 How the Alberta First Responder Mortgage Program Helps 

The Alberta First Responder Mortgage Program is tailored to front-line workers, recognizing that income often includes overtime, shift premiums, and variable pay. Here’s what it offers: 

  • Exclusive mortgage discounts (including AUPE member benefits). 
  • Flexible underwriting that accounts for overtime and shift work. 
  • No-cost mortgage broker services for standard residential mortgages. 
  • Community support through AFRA (Alberta First Responders Association), with monthly contributions and a $200 donation per referred file. 

This means you’re not only securing the right mortgage—you’re also giving back to Alberta’s first responder community. 

 Why Act Now 

Buying in the fall gives first responders a 

strategic advantage

: motivated sellers, better negotiating power, and time to close before the new year. Combine this with the Alberta First Responder Mortgage Program, and you can maximize both financial savings and community impact. 

 Bottom Line 

Fall is more than just a season—it’s an opportunity for Alberta’s first responders to achieve homeownership with the right support. The Alberta First Responder Mortgage Program makes it possible to secure a home for your family while also strengthening the community of heroes who serve our province every day. 

Ready to take the next step? Contact 

Garett Martin Mortgages

 today to see how you can qualify under the Alberta First Responder Mortgage Program this fall. 


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