Bought a New Home From a Builder in Calgary? Why Many Lost $50,000–$100,000 by 2026 скачать в хорошем качестве

Bought a New Home From a Builder in Calgary? Why Many Lost $50,000–$100,000 by 2026

Bought a New Home From a Builder in Calgary? Here’s Why Many Lost $50,000–$100,000 (2023–2026) Jerry Moras | Calgary Realtor® If you bought a brand-new home from a builder in Calgary between 2023 and 2025, or you’re planning to sell in 2026, this video is critical. Many Calgary buyers took possession believing they made a smart decision—only to discover when selling in 2026 that they were $50,000 to $100,000 underwater. Not because the home is bad. Not because Calgary failed. But because builder phase pricing, future releases, interest rates, and resale timing collided—and homeowners were caught in the middle. Why 2023–2025 Buyers Are Losing Money in 2026 • Peak or near-peak builder pricing • Later builder phases released at lower prices • Higher interest rates lasting longer • Reduced buyer affordability • 2026 appraisals based on current builder pricing, not your purchase price When homeowners sell in 2026, they compete directly with cheaper brand-new homes, forcing price reductions, incentives, or losses that only appear at resale. Phase Pricing Risk in Calgary New Builds Early-phase buyers (Phase 1 & 2) typically pay the highest prices in new communities such as Airdrie, Livingston, Seton, Cornerstone, Carrington, Belmont, and Glacier Ridge. Why early buyers overpay: • No resale benchmarks • Optimistic future pricing assumptions • Lot premiums that don’t hold resale value • Early buyers set the highest comp Builders later reset pricing. Homeowners cannot. Builders Compete With Homeowners Builders never leave the community. They sell beside you. • New homes outperform resales • Builder incentives beat private sellers • Showhomes pull buyer demand • Realtors often redirect buyers to builders Homeowners must undercut builders to sell—now and years later. Builders Can Cut Prices. Homeowners Can’t. Builders use incentives, upgrades, and credits to quietly reduce pricing. Homeowners are limited by: • Mortgage balances • Appraisals • Cash top-ups to sell • Refinancing restrictions Between 2023–2025 losses were on paper. In 2026, they become real. Rental Math Often Fails in New Communities “I’ll just rent it out” often doesn’t work. • Investor oversupply • Rents don’t support purchase prices • High interest rates kill cash flow • Rising property taxes • Higher vacancy risk Negative cash flow delays the problem—it doesn’t solve it. New ≠ Safe Investment Hidden costs Calgary buyers don’t expect: • Appliances • Landscaping & fencing • Decks & window coverings • Basement development These add $30,000–$70,000 after possession. Showhomes create an upgrade trap, pushing $700,000 buyers to $800,000+. Long-Term Calgary Reality • Communities take 10–15 years to mature • Schools, transit, and retail lag • Construction disruption lasts years • Incentives are priced in • Realtor “kickbacks” don’t lower prices • Exit timing matters more than finishes Final Reality Check Buying new in Calgary isn’t wrong. Buying new without understanding phase risk and exit strategy is dangerous. • Early buyers carry long-term risk • Builder price drops undercut homeowners • Hidden costs add $50K–$100K • 2023–2025 losses are showing up now—in 2026 • New homes are a product, not always an investment Call to Action If you’re buying new—or need a 2026 exit strategy—work with someone who represents you, not the builder. Jerry Moras Calgary Realtor® | Team Lead – Alberta Homes Team Brokerage: Grand Realty & Property Management 📱 403-561-3456 🌐 https://jerrymoras.com 📍 Calgary & surrounding areas 👍 Like | 📤 Share | 💬 Comment | 🔔 Subscribe Your experience could help another Calgary buyer avoid a $100,000 mistake