Before buying a home, be sure to have a budget in place. Remember owning a home comes with additional costs like property taxes, homeowners insurance and maintenance. If you are thinking of buying a home, make an appointment today so I can help you find a mortgage that will fit into your budget. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #budgeting #mortgageplan #stalbertmortgages #stalbertrealestate

Thank you for the kind words. I have access to a network of over 50 different lenders, including major banks, credit unions, mortgage trusts and many other national and regional lenders. The great news is they all want your business! I will negotiate the best rate for the mortgage product that best fits your unique situation on your behalf. If you or someone you know is in the market for a mortgage, contact me today. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #happywednesday #stalbertreview #clientlove #clientreview #stalbertrealestate

What documents do you need for you pre-approval? Income Verification: Employees - Letter of employment, recent paystub, last 2 years of t4s/Notice of Assessments Self-Employed - Last 2 years of T1 Generals and Notices of Assessment Retired - T4A s and Notices of Assessment Property details: Recent mortgage statement, property tax bill, rental lease agreement if property is rented out. Legal: Separation agreement if seperated. Assets: lists of RRSPs, Stocks, investments, vehicles Liabilities: Credit card debt, loans, car payments If you have any questions give me a call at 780-914-2620 #mortgagedocuments #stalbertmortgages #stalbertrealestate

Is it time to give me a ring? If you have any questions about home financing, then the answer is yes! No matter what stage you’re at, I’m here for you, from planning to buy your first home to renewing or refinancing your mortgage. Book a free mortgage consultation with me, and I’ll be happy to answer any questions you have and help steer you in the right direction. Call: 780-914-2620 #stalbertmortgages #refinancing #homefinancing #howtobuyahouse #stalbertrealestate #renewal

Are you buying your first house this year? If the answer is yes, you should explore our government’s programs to see if they can provide assistance. There are 2 that may benefit you: 1)First-Time Home Buyer Incentive (FTHBI): This national program helps first-time homebuyers with a shared-equity mortgage, where the government contributes 5% or 10% of the home’s purchase price to lower your monthly payments. 2)Home Buyers’ Plan (HBP): You can withdraw up to $35,000 from your RRSP for a down payment, tax-free, as long as you repay it within 15 years. If you have any questions about buying your first home, contact me today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #FirstTimeHomeBuyersIncentive #HomeBuyersPlan #1stTimeHomeBuyer

Did you know a large down payment doesn’t guarantee a mortgage approval? Lenders still have to look at multiple factors such as: - Credit score - Employment - Assets - Debt-to-Cash ratio A down payment is only a portion of what you need for a mortgage. If you are wondering if you will be approved, contact me at Raeann@MortgageEngineer.ca today. #downpayment #stalbertmortgages #preapproval

Is it time to refinance? If you’ve been in your home for a while, you might be missing out on lower rates. Let’s talk about your options! Call: 780-914-2620 Email: raeann@mortgageengineer.ca #stalbertmortgages #crunchingnumberslikeaboss #mortgagerates #refinance

Spring is in the air, and so is the housing market! If you’re buying a new home this spring, your first step should be getting a pre-approval. Being pre-approved also means that sellers will take your offer more seriously, and you can make an offer with confidence. It also means that your documents will already be in order, allowing us to have a shorter financing time. If knowing what you can afford and being organized, confident and prepared sounds appealing to you, give me a call @ 780-914-2620. #stalbertmortgages #preapproval #preapproved #springmarket

Here are five signs that indicate you’re ready to buy a home. - If you have a steady income✅ - If you’ve been saving for a down payment and closing costs✅ - If you want to stay in the area for a few years✅ - If you want freedom to design or renovate✅ - If you have contacted a mortgage broker and have been pre-approved for a loan✅ How many check marks did you get? Are you ready to stop paying rent and start building home equity? Contact me today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #mortgagetip #stalbertmortgages #mortgageplan #preapproval #stalbertrealestate

Did you know that a borrower has five obligations to a mortgage transaction: ✅To repay the loan amount ✅To pay the property taxes ✅To pay the property insurance (fire insurance, home insurance) ✅To pay common element fees (example: condo fees) ✅Maintain the property If you have any questions about the mortgage process email me at Raeann@MortgageEngineer.ca #mortgageobligations #stalbertmortgages #stalbertrealestate #howtobuyahouse #stalbert

What do you need your mortgage to do for you? Whether you are self employed or retired. Buying your first home or your tenth. I can find the perfect mortgage product for you. With over a decade of experience, I’ve developed relationships with multiple lenders to negotiate with on your behalf. Book an appointment today. Phone: 780.914.2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #mortgageplan #mortgageoptions #preapproved #stalbertrealestate

Are you trying to time the market perfectly so you get the best deal on a house? Timing the real estate market rarely works. Instead of trying to time the market, focus on your time in the market instead. If you are wanting to buy a house in the near future, the first step is to get preapproved. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #timingthemarket #realestatemarket #stalbertmortgages #stalbertrealestate

When buying a home you may hear your realtor talk about comparables. Just incase you are not 100% sure what it means, here is the rundown. One of the ways appraisers calculate what a house is worth, is by comparing it to subject properties to get a more accurate value. One way they do this, is they see what similar homes in the same type of neighbourhoods have sold for. If you have any questions about the mortgage process contact me today. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #comparables #stalbertmortgages #homefinancing #mortgagebroker #stalbertrealestate

For most people, their mortgage is their largest debt obligation and their home is usually their most significant asset. This is why having a well thought-out mortgage plan is so essential. Having the right mortgage plan can protect you from a downturn in the economy, save you thousands of dollars in interest payments, and can help you build your wealth over time. If you have any questions about Keystone Mortgage Corporation, Mortgages, or would like to become a part of our fantastic team, contact me today. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #mortgageplan #crunchingnumberslikeaboss #howtobuyahouse #stalbertrealestate

I can help! If you are struggling to pay off your tax debt, I can help you tap into your home equity. We can secure the funds needed to pay off your tax debt and possibly any other outstanding bills. Contact me today to see if this may be an option for you. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #homeequity #refinancing #taxtime

What type of mortgage product are you looking for? Whether you are new to canada, buying a fixer upper, helping a family member buy a home, Self employed, there is a mortgage product meant for you. There are different lenders that cater to different products and therefore have better rates for these. Having the experience and knowledge, I know which lender is best for your unique situation. If you are looking for the right mortgage contact me at Raeann@MortgageEngineer.ca or 780-914-620 #stalbertmortgages #stalbertrealestate #mortgageoptions #mortgageproducts

Do you want to buy your first home? If you have a proper plan, make a budget and set clear and attainable goals, you can make it happen. If you do not know where to start, schedule an appointment today. I can determine your pre-qualification amount, tell you what down payment you need, and answer any questions. Message me at Raeann@MortgageEngineer.ca #stalbertmortgages #stalbertrealestate #howtobuyahouse

What qualifies as income toward your mortgage? ✅ Employment income: Ideally, they want you to be employed at the same corporation for a year or in the same line of work and not be on probation because it is a new position. ✅ Self-employment: You will require a track record of consistent income. The standard is a 2 year average of your net taxable income. ✅ Seasonal Income: You will be required to prove sustainability by providing a 2 or 3 year track record. Usually an average income over these years will be used for qualifying purposes. ✅ Overtime: You will need a 2-3 year track record of overtime to use overtime income. ✅ Pension Income: Guaranteed pension incomes are generally accepted as income. ✅ Child Tax Credit - This income will be considered by some lenders. If you have any questions on which income you can use towards your mortgage, contact me today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #howtobuyahouse #stalbertrealestate #qualifiedincome

When it comes to getting a mortgage, a credit score matters. If you need help understanding your credit score, you can download a guide on my website. Scroll up👆 to my bio to find the link! If you have any questions, contact me at Raeann@MortgageEngineer.ca or 780-914-2620 #stalbertmortgages #stalbertrealestate #creditscore

“A home is more than just a house. It’s a present and a future, that holds no boundaries.” If you are looking to buy a new home in the future, give me a call. I will find you the perfect mortgage. Call 780914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #stalbertrealestate #preapproval

Are you ready to take your first step in buying your first home? If the answer is yes, then contact me today to get preapproved. Call: 780-914-2620 Email: Raenne@MortgageEngineer.ca #stalbertmortgages #stalbertrealestate #takethefirststep

What is a mortgage term? A mortgage term is the time you commit to one mortgage rate, lender, and associated terms and conditions. You can choose 1, 2, 3, 4, 5, 7, and 10 years. If your term is almost over and need to renew, I can lock in a rate for you as early as 120 days prior to your maturity date. Contact me at Raeann@MortgageEngineer.ca before the rates rise again. #mortgageterm #mortgagerates #stalbertmortgages #stalbertrealestate

Thank you for your kind words. It is my goal to make getting a mortgage as stress-free as possible. One way I do this is by taking the time to explain the process and your options and by finding the perfect mortgage to fit your specific needs. If you or anyone you know needs a mortgage, contact me today! Call: 780-914-2620 Email: Raeann@MorgageEngineer.ca #clientreview #clienttestimonial #stalbertmortgages

May this Day bring along more and more reasons to celebrate….. Wishing you lots of smiles and great joy because it is Valentine’s Day. #valentinesday #stalbertmortgages #stalbert #albertacanada

Is your family growing? If you are needing a bigger house for your growing family, book your pre-approval today. A pre-approval will ensure that you are prepared knowing how much of a mortgage you can be approved for. The amount of down payment you will need and what your payments will look like. Contact me today! Call 780-914-2620 Email: Raeann@MortgageEngineer.ca #keystonemortgagecorp #preapproved #growingfamily #biggerhouse #upsizing #crunchingnumbers #crunchingnumberslikeaboss #stalbert #stalbertmoms #stalbertdads #stalbertlocal #stalbertrealestate

Amortization is spreading out loan payments over time. These payments cover both the principal and the interest. - The longer the amortization, the smaller the payments, but the more interest you pay. - The shorter the amortization, the larger the payments, but you save money on interest. If you have questions about amortization or any other mortgage terms, comment below 👇 #stalbertmortgages #mortgageplan #amortization #mortgagepayments

Did you know you can get a free credit report from Equifax once a year? This does not affect your credit score. It is essential to check it once in a while to ensure there is no fraudulent activity or something you may have missed. If you are interested in other credit tips, let me know! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #creditscore #beprepared #nosuprises #creditcheck #stalbertmortgages #stalbertrealestate

Not sure where to start when it comes to the mortgage process? Most people’s mortgage is their most significant debt obligation, and their home is usually their most significant asset. This is why having a well-thought-out mortgage plan is so essential. The right mortgage plan can protect you from a downturn in the economy, save you thousands of dollars in interest payments, and help you build your wealth over time. If you have any questions about the mortgage process, give me a call at 780-914-2620. #stalbertmortgages #mortgageplan #homefinancing #howtobuyahouse #stalbertrealestate

Great news! Last week the Bank of Canada decreased its overnight rate by 25 bps to 3%. This will benefit homeowners with variable-rate mortgages and home equity lines of credit. For every $100,000 borrowed, variable-rate mortgage payments will drop by about $15. If you have any questions, don’t hesitate to give me a call at 780-914-2620. #stalbertmortgages #mortgagenews #homefinancing #crunchingnumbers #crunchingnumberslikeaboss #mortgagerates #stalbertrealestate

I have access to a network of over 50 different lenders, including major banks, credit unions, mortgage trusts, and many other national and regional lenders. The great news is that they all want your business! I will negotiate the best rate for the mortgage product that best fits your unique situation on your behalf. Applying for a mortgage is easy with me! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #mortgagelenders #stalbertmortgages #stalbertrealestate

The first step in purchasing a new home or rental property is getting a mortgage pre-approval. Being pre-approved makes your shopping experience that much easier because you’ll be able to narrow down your search to what you can afford, and you’ll already have an idea of what it will cost you monthly. Book your free consultation today. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #freeconsultation #preapproval #stalbertmortgages #stalbertrealestate

Happy Monday! If you want to find the perfect mortgage for your unique financial needs, contact me today! Call 780-914-2620 Email: Raeann@MortgageEngineer.ca #mondayvibes #happymonday #stalbertmortgages

Are you having trouble with the down payment for your new home? The great news is that your parents or a close-blood relative can gift you the down payment. They need to provide proof of funds and a letter stating that you are not expected to pay it back. Some restrictions apply. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #mortgageoptions #downpayment #stalbertrealestate #GiftedDownpayment

What is the 1st step to buying a house? That is right! It is getting pre-approved. Before you go shopping, you need to know what is within your price range. This way, you will not waste your valuable time falling in love with a home you will not be approved for. Being pre-approved also means that sellers will take your offer seriously, and you can offer with confidence. It also means that your documents will already be in order, so we will have a shorter financing time. If knowing what you can afford, being organized, confident and prepared sounds appealing to you, give me a call @ 780-914-2620. #stalbertmortgages #mortgageplan #preapproval #downpayment #homefinancing #stalbertrealestate

Don’t forget about closing costs! Whether you’re buying or refinancing, you will have to pay closing costs. These will include legal and transfer fees. The general rule is to expect up to 1.5%—4% of the home’s price. Lenders always ensure you have this money on hand before approving the mortgage. Contact me today if you or someone you know is looking for a mortgage. Call: 780-914-2620 Email: Raeann@mortgageEngineer.ca #mortgagereminder #closingcosts #stalbertmortgages #stalbertrealestate #mortgagetips

Do you have questions about home financing? Don’t be afraid to reach out. Using a mortgage broker is no cost to you. So, if you have any questions, call 780-914-2620 or email Raeann@MortgageEngineer.ca #stalbertmortgages #mortgageplan #preapproval #homefinancing #howtobuyahouse

As a mortgage broker it is my privilege to make the mortgage process as stress free as possible. If you’re in the market for a new home or a mortgage renewal, I can build a long term mortgage plan unique to you and your specific goals. Thank you for taking the time for leaving a review, I really appreciate it. #stalbertmortgages #keystonemortgaecorp #stalbertbusiness #stalbertrealestate #clientlove #fivestarreview

Are you buying a new home this year? If so, you don’t need to do it alone. With 15 years in the industry, I have the experience and knowledge to help you find the perfect mortgage to fit your unique financial needs. I will take the time to answer all of your questions and explain everything you need to know so you can confidently make an offer on your dream house. If you want help making your goal of buying a new home a reality, contact me today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #newhome #mortgageapproval #stalbertmortgages #stalbertrealestate

This is what you need to know about RATE HOLDS! - You can lock in a mortgage rate for up to 120 days while you shop for your dream home. - Rate holds sometimes have a rate premium, which isn’t the same as today’s lowest rate. - Terms range from 1-10 years - While the rate hold ensures that your rate will stay the same if rates go up, you can always cancel the hold if rates go down. - You can also take advantage of rate holds for mortgage renewals. If you want to hold a rate for an upcoming mortgage, contact me today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #homefinancing #howtobuyahouse #stalbertliving #stalbertbusiness #mortgagerates #stalbert #stalbertrealestate #planahead #renewal #upcomingrenewal #mortgagerenewal #rateholds

Not sure where to start when it comes to the mortgage process? For most people, their mortgage is their largest debt obligation, and their home is usually their most significant asset. This is why having a well-thought-out mortgage plan is essential. The right mortgage plan can protect you from a downturn in the economy, save you thousands of dollars in interest payments, and help you build your wealth over time. If you have any questions about the mortgage process, give me a call at 780-914-2620. #stalbertmortgages #mortgageplan #mortgageoptions #stalbert #stalbertrealestate

With the changing mortgage rates, a mortgage checkup may be beneficial. Is your mortgage still on track for your financial goals? We can review your current mortgage terms and interest rates to ensure your mortgage is still working for you. Call: 780-914-2620 Email; Raeann@MortgageEngineer.ca #MortgageCheckUp #stalbertmortgages #stalbertrealestate #mortgagerates

Is buying a house one of your New Year’s resolutions? If so, I can tell you how much you can qualify for, how much of a down payment you will need, and what your monthly payments will look like. Schedule a free consultation now. Call: 780.914.2620 Email: Raeann@MortgageEngineer.ca #newyearsresolution #stalbertmortgages #stalbertrealestate #stalbert #preapproval

New adventures are around the corner. Happy New Year! #stalbertrealestate #stalbert #happynewyear25

One of the real joys of the Holiday Season is to say Thank You and to wish you the best in the New Year! I am grateful for all my past and future clients as well as all my team! #thankyou #grateful #bestwishes #HolidaySeason2024 #stalbertrealestate #stalbert

If you are looking for a new home in the near future and have any questions about the mortgage process, I’d be happy to help. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #preapproval #mortgagebroker #stalbertrealestate #stalbert

The gift of love, the gift of peace, the gift of happiness... May these be yours this holiday season. #stalbertfamily #stalbertrealestate #stalbert #albertacanada #merryxmas2024

Do you know anyone looking for a house in the new year? Keep me in mind while visiting friends and family this holiday season. I can help them with a stress free mortgage experience. If you know anyone who would like to schedule an appointment with me, tell them to - Call: 780.914.2620 Email: Raeann@MortgageEngineer.ca #bestgift #busiessreferral #stalbertmortgages #stalbertrealestate #stalbert #stalbertbusiness

Happy Friday! I hope your day goes quick so you can start celebrating the holidays. Stay safe and warm. I hope your weekend is filled with all the things that bring you joy! #HappyFriday #happyholidays2024 #stalbertmortgages #stalbertfamily #stalbertrealestate #stalbertlife

The best way to spread holiday cheer is to smile so everyone can hear! With all the hustle and bustle of the holiday season, how do you make sure you are still being jolly? #HolidayJoy #stalbertmortgages #stalbertrealestate #stalbert #albertacanada

Great news! The Bank of Canada decreased its overnight rate by 50bps to 3.25%, its second consecutive significant price cut. This will benefit homeowners with variable-rate mortgages and home equity lines of credit. For every $100,000 borrowed, variable-rate mortgage payments will drop by about $30. If you have any questions, don’t hesitate to give me a call at 780-914-2620. #stalbertmortgages #mortgagenews #homefinancing #crunchingnumbers #crunchingnumberslikeaboss #mortgagerates #stalbertrealestate

Is a new house on your wish list? If Santa doesn’t pull through this Christmas, give me a call! I can determine your pre-qualification amount, tell you what down payment you will need, and answer any questions you may have. Call: 780-914-2620 #dearsanta #wishlist2024 #stalbertmortgages #stalbertrealestate

Thank you for the kind words. I have access to a network of over 50 different lenders, including major banks, credit unions, mortgage trusts and many other national and regional lenders. The great news is they all want your business! I will negotiate the best rate for the mortgage product that best fits your unique situation on your behalf. If you or someone you know is in the market for a mortgage, contact me today. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #happywednesday #stalbertreview #clientlove #clientreview #stalbertrealestate

Happy Monday! No matter what the week brings you, remember you can handle it. If you have any questions about your mortgage, I am here to help. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #happymonday #holidayseason2024 #stalbertrealestate #stalbermortgages

Do you dream of owning a home? If so, now is the time to contact me. I can help you create a financial plan to make your dream a reality. Contact me today because it is never too soon or too late to start. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #mortgageplan #preapproval #howtobuyahouse #mortgagelender #mortgagetips #mortgagebroker #stalbertrealestate

With the weather being so crazy lately, is there a place sweeter than home? If you do not feel like home is your sanctuary, I can help. Whether you want to buy a new home or refinance your existing home so you can renovate, give me a call at 780-914-2620. #homesweethome #stalbertmortgages #homefinancing #howtobuyahouse #stalbertrealestate

Where are you on your journey? ◻️Saving money ◻️Paying off debt ◻️Fixing Credit ◻️I don’t know where to start No matter where you are, it is always the right time to contact me. Reach out today. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #mortgageplan #preapproval #homefinancing #howtobuyahouse #stalbertrealestate

What is your favourite way to support local businesses during the holiday season? With the postal strike, it is the perfect time to shop locally this holiday season. Why not spread the word about your favourite local St. Albert spot and tag them in a comment below! #supportlocal #stalbertlife #stalbert #albertacanada #albertalife #stalbertlife #stalbert #stalbertliving #stalbertbusiness #stalbertsmallbusiness

Who is happy that we finally have some snow on the ground? ‘Tis the season to sparkle! #stalbert #stalbertlife #snowhappy

Do you have the right plan in place for your mortgage? Having a well-thought-out mortgage plan is essential. Having the right plan can protect you from a downturn in the economy, save you thousands of dollars in interest payments, and help you build your wealth over time. I have access to a network of over 50 different lenders, including major banks, credit unions, mortgage trusts and many other national and regional lenders. The great news is they all want your business! I can negotiate the best rate for the mortgage product that best fits your unique situation on your behalf. If you would like a second opinion, contact me today. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #mortgageneeds #stalbertmortgages #secondopinion #happyfriday #mortgageoptions #mortgageplan #mortgageproducts #homefinancing #stalbertrealestate

Are you trying to save money? Here are some money-saving tips, Whether for a down payment on the house, the holiday season, or just getting ahead of inflation. 1️⃣ Budget! - A budget is an essential tool in gaining control of your finances. Identify areas where you spend too much and lower your budget in these categories. 2️⃣ Pay Off High-Interest Debt - The more you pay off these debts, the more you save on interest. You might also consider consolidating your debt as well. 3️⃣ Cancel Unused Subscriptions - Even if it is only A few $ every month, it adds up over time. 4️⃣ Limit Eating out or Ordering In - Even packing a lunch every day can save you a substantial amount of money. 5️⃣ Enjoy Free Activities - Instead of going out to a movie, have a movie night in or check online for free activities in your neighborhood. Do you have any other money saving tips? share them bellow 👇👇 #stalbertmortgages #stalbertfamily #downpayment #howtobuyahouse #stalbertrealestate #moneysmart

Do you want to buy a home this year? I am here to help. I have developed relationships with multiple lenders to find you the perfect mortgage product. Let’s get started getting you your dream home. Call me at 780-914-2620 or email me at Raeann@MortgageEngineer.ca. #imthekey #stalbertmortgages #mortgageplan

Mortgage tip! Your first home does not need to be your dream home! Think of it as an investment. You can use your first home to build equity until you are financially ready to buy the home of your dreams. If you have any questions about mortgages, give me a call @ 780-914-2620. #stalbertmortgages #mortgageplan #mortgageoptions

When is your first mortgage payment? When buying a home there is a lot to consider. You are asked what seems like a million questions, and you have just as many. Sometimes one of the questions that is forgotten is “When does my first mortgage payment come out of my bank account?” You first payment is 1 month after your closing date! If you have any questions, your mortgage broker will always be there happy to help. #mortgagepayment #stalbertmortgages #homefinancing #howtobuyahouse #stalbert

One common misconception is that you need a 20% down payment to buy a home. The truth is, there are mortgage options available with lower down payment requirement! Contact me today to see how much of a down payment you will need. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #downpayment #crunchingnumberslikeaboss #stalbert #stalbertrealestate

Commemorating the sacrifices of members of the armed forces and of civilians in times of war. #lestweforget #remembering #grateful

What is an appraisal, and when is it required? An appraisal is the process of determining the value of the property. This value may or may not be the same as the home’s purchase price. If your down payment is 20% or more, to waive the mortgage default insurance premium, you will need to get an appraisal complete. #Appraisal #stalbertmortgages #investinyourhome

Attention Home Buyers! Lenders do a last-minute credit check right before closing. Make sure to: - Pay your bills on time. - Don’t increase the balance on credit lines. - Don’t open new accounts. - Don’t close existing accounts. If you have any questions about your mortgage, email me at Raeann@MortgageEngineer.ca #stalbertrealestate #stalbertmortgages #HomebuyerTips

It is a beautiful day to go after your dreams. If your dream is to buy a new home, your first step should be to get pre-approved. Call me - Raeann, today to make an appointment at 780-914-2620. #stalbertmortgages #homefinancing #chaseyourdream

What do you need your mortgage to do for you? Whether you are self employed or retired. Buying your first home or your tenth. I can find the perfect mortgage product for you. With over a decade of experience, I’ve developed relationships with multiple lenders to negotiate with on your behalf. Book an appointment today. Phone: 780.914.2620 Email: raeann@mortgageengineer.ca

Happy Halloween! Are you in the market for a new house? Getting a mortgage doesn’t need to be scary. With 15 year of experience I have the knowledge to find the perfect mortgage product for your unique financial situation. Contact me today. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #stalbertrealestate #stalbert #happyhalloween

The Bank of Canada announced their cut the overnight lending rate by 0.50% to 3.75%. All variable rate mortgages, home equity lines of credit, and other unsecured loans and lines will all be impacted immediately as lenders adjust their prime lending rates down by the same amount. This is the 4th consecutive rate drop by the Bank of Canada. Their next meeting is December 11th for the final rate decision of the year. #MortgageRates #mortgagenews #stalbertmortgages

If you want to buy a home in the future, book a pre-approval appointment with me today. I will help you determine what you need to get ready. During this appointment, you will learn what documents are required, how your credit is, the amount of down payment you will need, and what price range you can afford when it comes to a mortgage. With this knowledge in hand, you will have a plan to reach your goal in no time. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #mortgageplan #preapproval #preapproved

Did you know that using a mortgage broker is free unless you are going through a private lender? We are only paid by the lender/bank once your mortgage is complete. This ensures we do our job to the best of our ability. So why not take advantage of all our knowledge and get the best mortgage product for you? Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #nocharge #nocatch #stalbertrealestate #mortgagetips #howtobuyahouse #homefinancing #stalbertmortgagesl

What qualifies as income towards your mortgage? ✅ Employment income - Ideally they want you to be employed at the same corporation for a year or the same line of work and not be on probation do to it being a new position. ✅ Self-Employment - You will require a track record of consistent income. The standard is a 2 year average of your net taxable income. ✅ Seasonal Income - You will be required to prove sustainability by providing a 2 or 3 year track record. Usually an average income over these years will be used for qualifying purposes. ✅ Overtime - You will need a 2-3 year track record of overtime in order to use overtime income. ✅ Pension Income - Guaranteed pension incomes are generally accepted as income. ✅ Child Tax Credit - This income will be considered by some lenders. If you have any questions on which income you can use towards you mortgage, contact me today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #howtobuyahouse #stalbertrealestate #qualifiedincome

Looking to get a mortgage faster? The key is to get prequalified! This way you will have all of your documents in order. You will know if there are any problems with your credit and be able to fix any errors ahead of time. You will be advised of what kind of downpayment and closing cost you will need. Plus I can answer any questions you may have and walk you through the process. When you find the right house, you will be able to make an offer with confidence, knowing the mortgage process will go smoothly. If you are ready to get started, call Raeann @ 780-914-2620 #prequalified #stalbertmortgages #mortgageplan #preapproval #preapproved #stalbert #stalbertrealestate 54w

Warm thoughts and best wishes for a happy and healthy Thanksgiving. #stalbertmortgages #stalbertrealestate #stalbert #happythanksgivingday

Are you ready to take the big leap and become a homeowner? Here are a some signs that you are: - If you have a steady income✅ - If you’ve been saving for a down payment and closing costs✅ - If you want to stay in the area for a few years✅ - If you want freedom to design or renovate✅ - If you have contacted a mortgage broker and have been pre-approved for a loan✅ How many check marks did you get? Are you ready to stop paying rent and start building home equity? Contact me today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #homeownership #mortgageplan #downpayment #homefinancing

No matter which way the real estate market is leaning, buying now means you can start building equity immediately. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #investinyourhome #homeequity #stalbertrealestate #stalbert

Mortgage Tip Monday! By choosing to make bi-weekly payments, you can end up paying one extra mortgage payment per year. This will help reduce the amount of interest you pay, and the time it takes to pay off the mortgage. #stalbertmortgages #mortgageplan #mortgageoptions

Let me do the legwork for you! I take the time to understand your unique financial plans and long-term goals, ensuring that your mortgage solution is more than just about rates, but about your individual needs and aspirations. A mortgage is a long-term commitment that can impact your long-term financial decisions. I have the tools to build you a customized mortgage blueprint, a unique mortgage plan that includes the features and options that you require for your specific situation. I have access to a network of over 50 different lenders, including major banks, credit unions, mortgage trusts, and many other national and regional lenders. The great news is that they all want your business! I am negotiating the best rate for the mortgage product that fits your unique situation. Applying for a mortgage is easy with me. Contact me today! Phone: 780.914.2620 Email: raeann@mortgageengineer.ca #stalbertrealestate #stalbertlife #stalbert #stalbertmoms #stalbertbusiness #stalbertliving #howtobuyahouse #crunchingnumbers #crunchingnumberslikeaboss #homefinancing #1sttimehomeowner #mortgageoptions #keystonemortgagecorp #uniqueplan #FunFactFriday #stalbertlocal #stalbertmortgages

Thank you for you kind words. With over 15 years of experience, I can help you get financing for your home quickly and efficiently. If you know anyone who is looking for a home, I am here to help. Call : 780.914.2620 Email: Raeann@MortgageEngineer.ca #testimonial #clientreview #clientlove #HereToHelp #stalbertrealestate

The government implemented housing initiatives. One of the initiatives to hopefully help with affordability and provide some relief is the Tax Free First Home Savings Account(FHSA). This will give prospective first-time home buyers the ability to save $40,000 on a tax-free basis. If you are wanting to buy your first home, book an appointment today. Call 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #mortgageplan #mortgageoptions #keystonemortgaecorp #downpayment #homefinancing #crunchingnumberslikeaboss #stalbertbusiness #stalbert #stalbertrealestate #Housinginitiative #FHSA

Big news! Insured mortgage holders can now switch lenders at renewal without being subject to another stress test. This will foster greater competition and ensure Canadians have access to the best mortgage deals. Do you have a mortgage renewal coming up soon? Make an appointment today so I can find you the best mortgage rate! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #mortgageoptions #mortgagenews #mortgagelender #mortgagerenewal

Guess what? First-time homebuyers and all buyers of new builds will now be eligible for 30-year insured mortgage amortizations. This will help more Canadians achieve their dream of owning a home by decreasing the monthly payments. Follow me for more important mortgage information. #stalbertmortgages #mortgagenews #homefinancing #mortgagetips #stalbertrealestate

There is going to be an increase in the insured mortgage price cap! The government is raising the price cap from $1 million to $1.5 million to match today’s housing market. This change, effective December 15, 2024, will help more Canadians qualify for insured mortgages and make homeownership more attainable, especially for younger Canadians. Make an appointment today to get pre-approved and ready for when this change is in effect. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #preapproval #preapproved #stalbertrealestate #pricecapincrease #insuredmortgage

Have you been declined by a bank? There are multiple lenders, each with different policies. I have the education and experience to know which lender is right for you. Just because one lender has told you no does not mean that I can not find another lender who will approve you. Call to make an appointment today at 780-914-2620. #stalbertmortgages #howtobuyahouse #mortgagelender #mortgagebroker #stalbertrealestate

The first step in purchasing a new home or rental property is getting a mortgage pre-approval. Being pre-approved makes your shopping experience that much easier because you’ll be able to narrow down your search to what you can afford and already have an idea of what it will cost you monthly. Getting a mortgage pre-approval is FREE and easy. Just fill out a mortgage application and let me take care of the rest. I will go to work constructing your unique mortgage blueprint, and then I’ll go through my lender network and secure you the best rate for a mortgage product that meets your needs. I am excited to be part of your journey towards achieving your financial and homeownership goals through your mortgage. #stalbertmortgages #preapproval #preapproved #stalbertrealestate

Are you looking to buy a house in the near future? For most people, their mortgage is their largest debt obligation, and their home is usually their most significant asset. This is why having a well-thought-out mortgage plan is essential. The right mortgage plan can protect you from a downturn in the economy, save you thousands of dollars in interest payments, and help you build your wealth over time. If you have any questions about a mortgage, feel free to call me at 780-914-2620. #mortgageplan #stalbertmortgages #stalbertrealestate #howtobuyahouse

Applying for your first mortgage? You can increase your chances of being approved and check your credit ahead so there are no surprises. You can also scroll up to my bio and click the link to my website to download a checklist of all the documents you will require to be pre-approved. When you are ready, contact me at Raeann@MortgageEngineer.ca or 780-914-2620. #stalbertmortgages #preapproved #stalbertlocal #homefinancing #howtobuyahouse #stalbertrealestate

Are you looking for a place that you love to call home? Getting pre-approved is the first step to buying your dream home. Then, you can concentrate on finding the perfect place to make beautiful memories with your loved ones. Don’t miss out on the opportunity to gain valuable insights. Schedule your free consultation today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #preapproval #preapproved #stalbertlocal #stalbertrealestate #stalbertlife #stalbert

Attention first-time home buyers! it is important to understand how to budget for your home expenses. Remember, it’s not just you who needs to be on top of your finances. Lenders also play a crucial role in ensuring you have the financial stability to cover all these expenses before approving a home loan. Here is a breakdown of the numbers for you so you can plan accordingly: HOUSING = 35% - This includes mortgage payments, property tax, utilities etc. TRANSIT = 15% - Car payments, bus passes, maintenance, etc. DEBT = 15% - Credit cards, loans, lines of credit, etc. SAVINGS = 10% - Long-term savings for retirement LIFE = 25% - Food, vacations, childcare, medical care, fun, etc. If you would like to book a free consultation to determine how much of a mortgage you can be approved for with your income and monthly expenses, contact me today. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #budget #monthlyexpenses #monthlypayments #stalbertmortgages #stalbertrealestate

Fun Fact Friday! What exactly is Prime Rate? This is the rate that a lender uses as a reference for its variable-rate mortgages. Lenders closely track the overnight rate set by the Bank of Canada, which serves as the basis for the prime rate. Whether you’re looking for a new home or need to renew your mortgage, I’m here to help. I can hold a rate for up to 120 days, providing you with the peace of mind that I’m committed to meeting your financial needs. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #homefinancing #stalbertrealestate #primerate #mortgagefact

Thank you for the kind words. With my access to a network of over 50 different lenders, including major banks, credit unions, mortgage trusts, and many other national and local lenders, I can assure you of a personalized and tailored mortgage service. The great news is that they all want your business! I will negotiate the best rate for the mortgage product that best fits your unique situation on your behalf. Please get in touch with me today if you or someone you know is looking for a mortgage. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #testimonial #ClientLove #clienttestimonial #stalbertmortgages #stalbertrealestate

If you’re in the market for a new home or a new rental property, you need a mortgage broker who can create a long-term mortgage plan unique to you and your specific goals. For most people, their mortgage is their largest debt obligation, and their home is usually their most significant asset. This is why having a well-thought-out mortgage plan is essential. The right mortgage plan can protect you from a downturn in the economy, save you thousands of dollars in interest payments, and help you build your wealth over time. I specialize in building unique mortgage solutions and making the often daunting process of applying for a mortgage easy and straightforward. Contact me today for your free consultation. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #mortgageplan #mortgageoptions #stalbertrealestate #mortgagebroker

What type of mortgage product are you looking for? Whether you are new to Canada, buying a fixer-upper, helping a family member buy a home, or are self-employed, we understand your unique situation and have a tailored mortgage product just for you. Different lenders cater to different products and, therefore, have better rates. Having the experience and knowledge, I know which lender is best for your unique situation. If you want the right mortgage, contact me at Raeann@MortgageEngineer.ca or 780-914-620.

Are you looking to buy a home? Trying to find the perfect mortgage can be a bit much, so why not let me do all the hard work for you? This way, you will have more time to find your perfect house. If you need a mortgage or have questions, call me at 780-914-2620. #stalbertmortgages #stalbertrealestate #homefinancing #howtobuyahouse