BOSI Financial Inc
Providing all your financial needs, including mortgages, insurance and investments! Choose us for reliable financial services.
BOSI Financial, Calgary's premier mortgage broker, offers top-notch solutions for residential and commercial mortgages. We connect with leading private lenders in Southern Alberta for the best rates. Our services include insurance and investment advice, focusing on financial empowerment. We prioritize transparency and client satisfaction, specializing in navigating mortgage and insurance complexities. Contact: [email protected] or 1 (800) 660-3576.
08/06/2026
Alberta Market Update: July
Calgary price declines driven mostly by apartment condominiums:
• 1,904 sales in July; down 9.2% year over year
• New listings reached 3,323; down 15.0% year over year
• Inventory at 6,626 units; 3.48 months of supply
• Benchmark price: $569,200; down 2.0% year over year
• Detached: $743,900 (–1.9% Y/Y) and Apartment: $297,600 (–8.4% Y/Y)
Edmonton activity may have hit a turning point for summer:
• 2,535 sales in July; down 7.6% from June and 11.0% year over year
• New listings reached 4,258; down 1.0% month-over-month, up 0.6% year over year
• Inventory rose 0.9% from June and sits 17.9% higher than July 2025
• Average price: $475,079; down 1.8% from June, up 2.6% year over year
• Benchmark price: $429,100; down 0.3% from June, flat year over year
• Detached averaged $585,726 (–1.3% M/M, +1.2% Y/Y)
What does this mean?
Calgary is giving buyers more choice, especially in apartments and row housing, with months of supply rising and condo prices softening the most. Detached and semi remain closer to balanced.
Edmonton saw a clear summer slowdown in sales and a slight price pullback, but overall values held up better year-over-year than Calgary. Detached homes continue to be the strongest segment, while inventory remains elevated and the market is gradually shifting toward more balance.
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From Coffee to Closings: A Day at BOSI.
Closing day should feel exciting, not stressful.
That’s what we’re here for.
Whether you’re buying your first home, refinancing, or investing, our job is to carry the stress so you don’t have to.
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Phone Number: +1 (587) 317-7350
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Mortgage Myth Monday 🏦
While reducing debt can strengthen your mortgage application, paying off every debt isn’t always the best financial move.
Every situation is different, which is why having a mortgage strategy that’s tailored to your financial goals can make all the difference.
At we help you understand your options and build a mortgage plan that works for your unique situation.
Have questions?
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Yes, a larger down payment can reduce your mortgage balance and save you thousands in interest over time.
But that’s only part of the equation.
You’ll also need to budget for closing costs, moving expenses, unexpected repairs, and maintaining an emergency fund. Emptying your savings to maximize your down payment isn’t always the right strategy.
The goal isn’t simply to qualify for a mortgage.
It’s to feel confident and financially comfortable after you become a homeowner.
At we help you find the right balance between your down payment, monthly payments, and long-term financial goals so you can enjoy homeownership with confidence.
Whether you’re buying your first home, refinancing, or investing, we’re here to help you make informed mortgage decisions every step of the way.
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📞 +1 (587) 317-7350
🌐 BOSIFinancial.com
07/08/2026
🏦 June market statistics show one clear theme across Calgary and Edmonton: more inventory, more options and a little more breathing room for buyers.
In Calgary:
Sales improved from May, but inventory continued to rise. The total residential benchmark price was $572,500, down 2.1% year over year.
Apartment condos saw the biggest price pressure, while detached supply remained tighter in many areas.
In the Greater Edmonton Area:
June sales reached 2,746, up from May but down from last year.
Inventory was also up 22.2% year over year, giving buyers more choice while average residential prices pulled back slightly from May to $483,600.
For buyers: this could mean more negotiating room and more selection.
For sellers: pricing strategy matters more than ever.
The market is not frozen; it is adjusting. The right mortgage strategy can help you move with confidence in either direction.
Questions about buying, selling, renewing, or refinancing?
Contact today.
Mortgage lenders generally base financing on the lower of the purchase price or the appraised value. If the appraisal comes in below your accepted offer, the difference may need to be covered another way.
The good news? Appraisal gaps are not an everyday occurrence, but buyers should understand the risk before removing financing conditions.
Planning to buy or make an offer?
Speak with before removing your financing condition.
Possession Day is finally here.
Months of planning, paperwork, showings, approvals, and anticipation all lead to this moment.
Once your lawyer confirms the transaction has funded and ownership has officially transferred, it’s time to pick up the keys and start your next chapter.
Congratulations!
Thinking about buying your next home? Contact
📞 780-863-6259
📧 [email protected]
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One of the biggest mistakes homebuyers make after receiving mortgage approval?
Taking on new debt.
Financing a vehicle, opening new credit cards, missing payments, or making large purchases can affect your mortgage before closing.
Your approval is based on your financial situation at the time it was issued.
Keep everything stable until you have the keys in your hand.
Need guidance before making a financial decision? BOSI_Financial can help.
• 780-863-6259
• [email protected]
• BOSIFinancial.com
Your lawyer plays a critical role in getting your home purchase across the finish line.
They review documents, handle the transfer of ownership, register your mortgage, coordinate funds, and make sure everything is completed correctly before possession day.
A great mortgage team includes more than just your broker and realtor.
Contact today.
📞 780-863-6259
📧 [email protected]
🌐 BOSIFinancial.com
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321 19 Street NW
Calgary, AB
T2N2J2
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