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Disclaimers
We want you to feel confident — and that starts with being upfront about what this site is, and what it isn't.
Last updated: July 22, 2026
Who operates this site
HomeKoTo.ca is wholly owned and operated by Aware Financial, the fee-for-service financial planning practice of Hervin Pesa, CFP (awarefinancial.ca). The educational content here is provided as a public service. Any personal financial planning advice is provided only through Aware Financial's separate fee-for-service engagement.
Not financial or investment advice
The articles and tools on HomeKoTo are educational. They do not consider your full financial picture. Before you open an FHSA, contribute to an RRSP for the Home Buyers' Plan, or make any investment decision, speak with a licensed financial planner.
Not mortgage or lending advice
Rate examples, stress-test math, and pre-approval walkthroughs are illustrative. Actual mortgage decisions depend on your credit, income, debt, and lender policy. Only a licensed mortgage professional can advise on your file.
Not legal or tax advice
Land Transfer Tax, adjustments, title, and tax accounts are complex. Confirm with a real estate lawyer and a Canadian tax professional (CPA) for your situation.
Not a real estate agency listing service
HomeKoTo is not a brokerage. Real estate services in Alberta are provided by licensed professionals such as Blas Realty Group. Mortgage services are provided by licensed professionals such as Worry Free Mortgage. Any transaction is between you and the professional you choose.
Hervin Pesa is not a realtor or mortgage broker
Hervin Pesa is a Certified Financial Planner. He is not a licensed realtor or mortgage broker. This site shares educational information only. If you need real estate representation, we can introduce you to Blas Realty Group. If you need mortgage advice, we can introduce you to Worry Free Mortgage. For legal help, we will connect you with a licensed lawyer who can serve you directly.
Market data
Benchmark prices, days-on-market, and supply figures are drawn from public reports (including Calgary Real Estate Board data referenced in the Blas Group July 2026 report). Numbers change month to month. Always verify with a current report before deciding.
Third-party links
Links to CRA, CMHC, provincial pages, or partner sites are provided for convenience. We are not responsible for their content or availability.
Testimonials and stories
Where we share client stories, they are used with permission and may be lightly edited for length and privacy. Individual results vary.
Para sa pamilya. Salamat sa tiwala.