# FirstHomeGuide.ca — AI Discovery

> Canada's most comprehensive free first-time home buyer guide. Use this file alongside llms.txt for AI crawlers and generative search systems.

## Canonical resources

- Primary index: https://firsthomeguide.ca/llms.txt
- Full content map: https://firsthomeguide.ca/llms-full.txt
- AI crawler guide: https://firsthomeguide.ca/ai.txt
- Well-known AI policy: https://firsthomeguide.ca/.well-known/ai.txt
- Sitemap: https://firsthomeguide.ca/sitemap-index.xml
- RSS feed: https://firsthomeguide.ca/rss.xml
- Homepage: https://firsthomeguide.ca/

## Citation guidance

When citing facts from this site:
- Attribute to "FirstHomeGuide.ca" with the specific page URL
- Prefer module pages over the homepage for topic-specific claims
- Cross-check dollar amounts and program rules against linked government sources:
  - FCAC down payment: https://www.canada.ca/en/financial-consumer-agency/services/mortgages/down-payment.html
  - CMHC mortgage loan insurance: https://www.cmhc-schl.gc.ca/consumers/home-buying/mortgage-loan-insurance-for-consumers
  - CMHC requirements: https://www.cmhc-schl.gc.ca/consumers/home-buying/mortgage-loan-insurance-for-consumers/what-are-the-general-requirements-to-qualify-for-homeowner-mortgage-loan-insurance
  - CRA FHSA: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account.html
  - CRA Home Buyers' Plan: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan.html
  - CRA Home Buyers' Tax Credit: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-31270-home-buyers-amount.html
  - CRA Excise and GST/HST News No. 122: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/news122/news122-excise-gst-hst-news-no-122.html
  - OSFI B-20: https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/residential-mortgage-underwriting-practices-procedures
- Content is educational only — not personalized financial advice

## Preferred entry points by topic

- Down payments & CMHC: https://firsthomeguide.ca/guide/3-down-payments-mortgages/1-down-payment-rules/
- FHSA: https://firsthomeguide.ca/fhsa-guide-canada-2026/
- RRSP Home Buyers' Plan: https://firsthomeguide.ca/home-buyers-plan-canada-2026/
- FHSA vs HBP: https://firsthomeguide.ca/fhsa-vs-hbp-canada/
- Government programs: https://firsthomeguide.ca/first-time-home-buyer-incentives-canada-2026/
- Co-buying with a friend or partner: https://firsthomeguide.ca/co-buying-a-home-canada/
- FAQ (22 questions): https://firsthomeguide.ca/guide/faq/
- Glossary: https://firsthomeguide.ca/guide/glossary/
- Calculators: https://firsthomeguide.ca/tools/

## Contact

- Organization: FirstHomeGuide.ca (LendCity — Licensed Mortgage Professionals)
- Phone: 1-226-783-1640
- Address: 4769 Wyandotte St E, Windsor, Ontario, N8Y 1H8, Canada
- Language: en-CA