The #1 Mortgage Broker

Are you wanting to become a home owner? Together we can make it happen. I have access to lenders wanting to help people in almost any financial situation. Contact me today to see what is available for you. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #journeyhome #stalbertmortgages #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

Do you know what is involved in closing costs? Whenever you purchase a property, there are always closing costs that are not included in your mortgage. You will need to make sure you have these costs set aside before a lender will approve your mortgage loan. These are some of the costs that you will need to keep in mind: -Home Inspection -Legal Fees -Appraisal -Land Transfer Tax -Title Insurance If you would like more information about closing costs you can contact a real estate lawyer or me. Call: 780.914.2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #stalbertrealestate #closingcosts

Who is excited that it is finally spring? Spring is all about new beginnings and transformations; it’s a season that symbolizes starting fresh and starting over. If spring also means that you are also looking for a new home, I am here to help. Applying for a mortgage should be easy and stress free. Contact me today to get started. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #stalbertrealestate #springhome

Getting a mortgage pre-approval is FREE and easy to do. 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 look forward to helping you achieve your financial and homeownership goals through your mortgage! Call me today at 780-914-2620 or email me at Raeann@MortgageEngineer.ca #preapproval #stalbertmortgages #mortgagebroker #stalbertrealestate

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 #CreditChecks #movingtips

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

Moving tip! When saving to buy a home, don’t forget to also save up for moving fees. There are a lot of costs that are associated with moving that people sometimes forget. Make sure to put money aside for movers, utility hook ups, and more... If you have questions about closing costs that are not covered buy the mortgage contact me at 780-914-2620 or Raeann@MortgageEngineer.ca. #movingtips #moving #stalbertmortgages #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

Are you in the market to buy your first home? If so, you do not have 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 you questions and explain everything that you need to know so you can make an offer on your dream house with confidence. If you want help making your goal of becoming a homeowner a reality, contact me today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #1sttimehomebuyer #mortgageapproval #stalbertmortgages #stalbertrealestate

Are you new to Canada? If you haven’t established credit in Canada getting approved for a mortgage can be challenging. With over 15 years of experience, I have built relationships with banks, monolenders and private lenders. This allows me to find the perfect mortgage product just for you. Make an appointment today to start you journey in finding you first Canadian home. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #newtocanada #mortgageoptions #stalbertrealestate #1sttimehomebuyer

Do you know what a stress test is and how it affects your ability to qualify for a mortgage? The qualifying rate for the stress test is set by the Ministry of Finance using the banks’ posted rates as a guideline. The current rules are to use the qualifying rate of 5.25% OR the contract rate +2%, whichever is higher. Do you have questions about what the stress test means for you personally? Contact me today. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stresstest #mortgagerates #mortgageapproval #stalbertmortgages #stalbertrealestate

Are you wanting to buy a house this spring? If you want to get started, take the first step and get pre approved! Contact me today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #preapproved #stalbertrealestate

The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada, which offers: 10% for a first-time buyer’s purchase of a newly constructed home 5% for a first-time buyer’s purchase of a resale (existing) home A larger down payment means a smaller mortgage and, ultimately, lower monthly costs. It can be the difference in what home you qualify for. This incentive is repayable after 25 years, or when the property is sold, whichever comes first. The homebuyer can also repay the incentive in full any time. If you have any questions, contact me today. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #homebuyerincentive # #downpayment #homefinancing #stalbertrealestate

What is the difference between using a mortgage broker and a bank? With a bank they only have their products and set of guidelines in which they have to follow. A mortgage broker has access to multiple mortgage lenders; which includes some of the major banks, broker accessible only lenders, alternative lenders and private money as well. Having access to these multiple lenders allows me to find the best mortgage for you and your unique financial situation. If you or someone you know are looking for a new mortgage, to renew or refinance, contact me today. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #mortgagebroker #stalbertmortgages #mortgageoptions #homefinancing #mortgageloan #stalbertrealestate

Are you wanting to buy your first home? If you get a proper plan in place, 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 see how much you can be pre-qualified for, let you know what down payment you will need and answer any questions you may have. Message me at Raeann@MortgageEngineer.ca #stalbertmortgages #mortgageplan #preapproval #stalbertrealestate

How can a home equity line of credit (HELOC) benefit you? A HELOC is a revolving line of credit which means you can borrow as much or as little as you need. You can repay the balance on your terms with no penalties. Interest rates on HELOCs are variable and fluctuate with the changes in the prime rate and tend to be around prime +5%. The minimum payment requirement is an interest only payment based only on what you borrowed. Enjoy knowing you don’t have to be stressed if something unexpected happens. You can quickly and easily access your credit limit on your HELOC. Let’s chat to see if this is the best option for you. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #HELOC #lineofcredit #stalbertmortgages #stalbertrealestate

It is the perfect time to get your paperwork in order, figure out your budget and get pre-approved. Spring is going to be here before you know it and the housing market will be at its peak. Whether you are looking to get a new mortgage, renew or refinance. If you need a residential mortgage, contact me today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #preapproval #refinance #stalbertrealestate #renewal

May this Valentine’s Day bring along more and more reasons to celebrate….. Wishing you lots of smiles and great joy! #stvalentinesday #happyvalentinesday #stalbert

You have built up equity in your home and it can be used as a powerful financial tool when used strategically. There are different options such as refinancing or a HELOC to consolidate your debts. These can improve your financial position even at higher rates. Your home equity should be used to strengthen your financial foundation and not on impulse spending. Make an appointment today so we find a way to make your equity work for you. Call: 780-914-2620 Email: Raean@MortgageEngineer.ca #homeequity #stalbertmortgages #stalbertrealestate #mortgageloan #HELOC #Refinance

Depending on the real estate market, property values should appreciate over time. This can allow homeowners to build wealth through the appreciation of their property. For example homes in Alberta gained 4.9% last year. that’s $19,600 on a $400,000 house. #PropertyAppreciation #stalbertmortgages #stalbertrealestate #stalbert

What does owning a home mean to you? One of the benefits to home ownership is a sense of stability and security. Having a place to call your own can offer peace of mind and a feeling of permanence, especially for a family. #homeownership #Stability #stalbertmortgages #stalbertfamily #stalbertrealestate

One of the benefits of homeownership is have the freedom to personalize it the way you want. You have control over you living space, inside and out. Whereas with renting there are limitations on what you can change. #stalbertmortgages #stalbert #stalbertrealestate #homeownership

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

Thank you for your kind words. With 15 years of experience in this industry, The mortgage process is smooth and stress free with me. If you are looking for for a mortgage broker that is professional and easy to deal with, contact me today. Phone: 780.914.2620 Email: raeann@mortgageengineer.ca #testimonial #grateful #happywednesday #keystonemortgagecorp #mortgagelender #stalbert #stalbertlife #stalbertrealestate #clientreview #5starreview #stalbertmortgages

Owning a home is one way to build equity. Over time as you make mortgage payments, which is investing in your property and will benefit you in the long run. If you are wanting to invest in a property, give me a call at 780-914-2620 and I can help. #equitybuilding #buildingequity #propertyinvesting #stalbertrealestate

Happy Friday! I hope you have a great weekend. If you need any mortgage advice email me at Raeann@MortgageEngineer.ca #stalbertmortgages #refinancing #homefinancing #mortgagelender

Home is a starting place for love, hope and dreams. Are you wanting to become a home owner? Together we can make it happen. I have access to lenders wanting to help people in almost any financial situation. Contact me today to see what is available for you. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #mortgageloan #stalbertrealestate #stalbert

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

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. #mortgagetip #dreamhome #stalbertmortgages #mortgageplan #stalbertrealestate

Are you looking for a warm and cozy home this year? Schedule an appointment today. I can see how much you can be pre-qualified for, let you know what down payment you will need and answer any questions you may have. Message me at Raeann@MortgageEngineer.ca #warmandcozyhome #stalbertmortgages #preapproval #preapproved #stalbertrealestate #stalbert

Baby it's cold outside! Is a home with a fireplace on your wishlist? If you are wanting to move or even find some extra cash to add a fireplace to your existing home, I can help. Contact me today to see what your options are. Call: 780.914.2620 Email: Raeann@MortgageEngineer.ca #babyitscoldoutside #stalbertmortgages #stalbert #stalbertrealestate

What is your outstanding balance? It is the amount of principal which is still outstanding at the end of the term. It essentually represents the remaining debt on the mortgage that has not been paid. If your term is ending in the near future, it is time to book an appointment to review your mortgage to ensure it matches your current financial goals before your renewal date is here. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #mortgagebalance #MortgageTerm #stalbertmortgages #stalbertrealestate #stalbert

Are you wondering which mortgage product is right for you? As a Mortgage Broker, I have access to multiple lenders and many years of experience. I can help take the guesswork out of getting the right mortgage for your unique financial situation. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbert #stalbertmortgages #mortgagebroker #stalbertrealestate

Are you looking for a mortgage with flexibility? An open mortgage allows you to make partial or full principal payments anytime, penalty-free. This is ideal if you don't know how long you will be living in one place or may be getting a large amount of money in the near future. If you think this may be the right mortgage product for you, call me today at 780-914-2620 to see if you qualify. #OpenMortgage #preapproval #stalbertmortgages #stalbertrealestate #stalbert

Is buying a house one of your New Year resolutions? If so, I can how much you can be qualified 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

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

New adventures are around the corner. Happy New Year! #stalbertrealestate #stalbert #happynewyear24

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 #HolidaySeason2023 #stalbertrealestate #stalbert

Home is not a place, it is a feeling! 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 #merryxmas2023

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 #happyholidays2023 #stalbertmortgages #stalbertfamily #stalbertrealestate #stalbertlife

What is your favourite thing to do during the holiday season? There are so many fun things to do during the holidays. Whether it is caroling, making snowmen, baking, seeing family and friends........ I want to know what you do during the holidays that make you the happiest. Comment Bellow👇 #HolidaySeason2023 #stalbertmortgages #stalbertfamily #stalbertliving #stalbertmoms #stalbertrealestate

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

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

I hope your Wednesday is short and your coffee is strong! Life tends to get a little crazy during the holiday season, but if you need any mortgage advice, I am here for you. Call: 780.914.2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #stalbertbusiness #hotcoffee

Happy Monday! No matter what the week brings you, just 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 #holidayseason2023 #stalbertrealestate #stalbertlife

Have you asked Santa for a down payment on a house this Christmas? Unfortunately lenders will not accept money from St. Nick, but the good news is your parents or a close blood relative is allowed to gift you the down payment. They just need to provide you a letter stating you are not expected to pay it back and proof of funds. Some restrictions apply, so give me a call at 780-914-2620 to see if you will be approved. #stalbertmortgages #downpayment #howtobuyahouse #stalbertrealestate #santaslist #gifteddownpayment

Thank you for your kind words. With over 15 years of experience I can help you get a mortgage as quick and stress free as possible. If you are in the market for a mortgage, contact me today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #clientreview #clientlove #Testimonial #stalbertrealestate #stalbertmortgages

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

Real estate investing is one of the safest options for those looking to increase their net worth. Build your equity with principal paydown and property appreciation. If you are looking to invest in real estate, call me and I will help you get started today. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #dontwait #buyrealestate #BuyRealEstateAndWait #stalbertmortgages #stalbertrealestate

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

With the higher interest rates you may be wondering if it is a good time to buy a house. The decision to purchase a home depends on your goals and your budget. Buying a hose is a huge financial leap and should not be based on mortgage rates alone. If you are ready to buy a house, contact me today. Call: 780-914-2620 Email:Raeann@MortgageEngineer.ca #interestrates #stalbertmortgages #howtobuyahouse #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 todays lowest rate. - Terms range from 1-10 years - While the rate hold insures 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 are wanting to hold a rate for an upcoming mortgage, contact me today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #stalbertrealestate #stalbert #ratehold

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 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #stalbertrealestate #stalbert #stalbertlife #albertacanada

How will the First Time Home Buyers Incentive benefit you? The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada, which offers: 10% for a first-time buyer’s purchase of a newly constructed home or 5% for a first-time buyer’s purchase of a resale (existing) home. This can be the difference in what home you qualify for! It also gives you a larger down payment and a smaller mortgage. This ultimately means lower monthly costs. This incentive is repayable after 25 years, or when the property is sold, whichever comes first. To learn more contact Raeann @ 780-914-2620 #homebuyersincentive #stalbertmortgages #mortgageoptions #stalbertrealestate #stalbert #homeequity

There are many types of lenders that I have built relationships with. Major banks are one of the sources that I have. There is also monolines, which means they have only 1 product (mortgages), alternative banks as well as private lenders. I will find the perfect lender to fit your unique financial situation. If you are looking for the perfect lender and mortgage product, I am here help. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #stalbertrealestate #lenders #mortgagelenders

Are you to busy to research which mortgage is the best for your specific needs? I take the time to find out what your future financial plans are and I take into consideration your long-term goals. There’s much more involved than simply finding the lowest mortgage rates. A mortgage is a long-term commitment that can have an impact on 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 they all want your business! I 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. Contact me today! Phone: 780.914.2620 Email: raeann@mortgageengineer.ca #stalbertmortgages #mortgageplan #mortgageoptions #howtobuyahouse

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

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

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

Are you in the market to buy your first home? If so, you do not have 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 you questions and explain everything that you need to know so you can make an offer on your dream house with confidence. If you want help making your goal of becoming a homeowner a reality, contact me today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #stalbert #stalbertrealestate #1sttimehomeowner

Are you looking for a home to make happy memories in? It is important to find one that is in your budget so you can still enjoy all the other things and not be stressed out. Make an appointment today so we can crunch some numbers and see what works best for your unique financial situation. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #crunchingnumbers #stalbertrealestate #Happyhouse

I specialize in finding unique mortgage solutions for all my clients. If you are looking for a new home, to renew or refinance in the future, I will work hard finding the perfect mortgage product for you. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #stalbertrealestate #Testimonial #clientreview #clientlove

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

Are you ready to buy your first house? You don't have to do it alone! I will get you pre-approved and make sure you understand the process every step of the way. This will ensure you can make an offer with confidence. If you are ready to make that next step, contact me today. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #preapproval #preapproved #stalbertrealestate #stalbert #areyouready

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 #stalbertrealestate #stalbertmortgages #mortgageoptions #stalbertbusiness #stalbert #stalbertrealestate

Did you know? Unless you are going through a private lender, using a mortgage broker is at no cost to you! We only get paid by the lender/bank, once your mortgage is complete. This insures we do are job to the best of are ability all the way to the end. So why not take advantage of all or knowledge, and get the best mortgage product for you? Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #nocharge #nocatch #stalbertrealestate #stalbertmortgages #mortgagebroker

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

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

Did you know that mortgages have existed for hundreds of years? The mortgage system has its roots way back in feudal England. Back then, it was the seller or landowner who would provide credit to the buyer directly. No banks or third parties were involved in this transaction. The mortgage as we know it was only developed in the last hundred years though. #stalbertmortgages #stalbert #stalbertrealestate #mortgagefacts

A HELOC, or home equity line, allows you to borrow money using your home equity as collateral. HELOC’s are variable rate loans with interest-only payments. You can use HELOC funds at your discretion for renovations, debt consolidation, or anything else you may need. Contact me today to see if you can qualify. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #stalbertrealestate #stalbert #HELOCs

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

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

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

There is no bigger compliment than a referral, and then a great testimonial! If you are needing a mortgage, let me do the work for you. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #clientlove #clientreview #stalbertmortgages #stalbertrealestate

Why should you use me as your mortgage broker? Everybody is unique and may be in different situations and therefore would require different mortgage needs. I understand that over the years your mortgage needs may change. I will stay committed to providing the right solution to you over the years. I take the stress out of choosing the best mortgage for your needs, by considering the interest rate, payment privileges, payment penalties, long term savings, family goals and much more while working for you ! With over 10 years experience I have built relationships with multiple lenders so I can get the best mortgage and lock it in for 120 days. My service is of no cost to you. I am paid by the lender that is the best choice for you. This makes it a win win for everyone. If you are looking to make your home buying experience a little easier contact me today. Phone: 780.914.2620 Email: raeann@mortgageengineer.ca #stalbertmortgages #mortgagelenders #mortgagebroker #stalbertrealestate

If you are buying an investment property, make sure not to make these mistakes! ❌ Failing to make a solid plan. You need to understand your investment strategy, property types and take into consideration market fluctuation. ❌ Doing everything on your own. Get guidance from professionals including realtors, mortgage brokers, lawyers, inspectors and insurance agents. Building a network can get you a lot farther. ❌ Not doing your research. Thorough research is crucial. Learn about the property and the neighborhood. Learn about the inventory, property values, supply and demand. Don't forget to consider factors like amenities, crime rates and rental demand. ❌ Getting the wrong mortgage. Be aware of exotic mortgage plans. Make sure you have the means to handle increasing mortgage rates or have a backup plan. If you want to talk about financing an investment mortgage call Raeann @ 780-914-2620 #stalbertmortgages #stalbertrealestate #stalbertbusiness #mortgageoptions #investmentproperty

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

Are you looking for a mortgage in the near future? Whether you are getting a new mortgage, renewing or refinancing, it is important to make an educated decision on what kind of mortgage is right for you. A closed mortgage locks you into a specific payment schedule. A penalty usually applies if you repay the loan in full before the end of a closed term. If you are not planning on moving or paying off your mortgage before before the end of the term, then this may be the right choice for you. If you would like to talk about your options email me at Raeann@MortgageEngineer.Ca #closedmortgage # #stalbertmortgages #mortgageplan #stalbert #stalbertrealestate

What type of house would you prefer to buy? Fully Renovated or a fixer upper? Both have their benefits! 👉 A fully renovated house is ready to move in. It is convenient and you get to enjoy the benefits of an updated space immediately. 👉 With a fixer upper you have the chance to customize the house exactly how you want it. You know the quality of the material and workmanship that went into it. This options you can house of your dreams even if you can not find it on the market. ***There is even a mortgage product made for a fixer upper. Comment below with tour choice 👇 #stalbertmortgages #stalbertrealestate #stalbert #fullyrenovated #fixerupper

I believe something extraordinary will happen for you this month. Comment below what you hope it will be 🥰🤞 #stalbertmortgages #stalbert #stalbertrealestate #positivevibes #ibelieve

It is essential to monitor your credit at least once a year. You can request a free credit report from Equifax or TransUnion. You should check for errors such as incorrect account information or unauthorized inquiries and dispute them if necessary. You will also be able to identify any signs of credit theft or fraud. Credit is one of the factors that lenders look at when deciding whether or not to give you a mortgage. Follow me for more mortgage tips and advice. #creditscore #monitoryourcredit #stalbertmortgages #stalbertrealestate #stalbert

What is a mortgage term? A mortgage term is the length of 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 #risingrates #mortgagerates #stalbertmortgages #stalbertrealestate

When was the last time you reviewed your mortgage? All it takes is a 15 minute phone call to go over your current mortgage, compare your rate with what they are at today and make sure you are on the right path for your future goals.⠀⠀⠀⠀⠀⠀⠀ Call me at 780-914-2620 to schedule your review today. #stalbertmortgages #crunchingnumbers #stalbert #mortgagereview

What is the first thing that you should do when buying a home? If you are looking for a place to call home, this is what you need to do👇 Step 1 - Is to contact me and get pre-approved. Once you know how much you can afford then... Step 2 - Contact a real estate agent. If you do not have one, I have many experienced agents on my team. Step 3 - Find your dream home! Call: 780-914-2620 Email: Raeann@MortgageEngineer.Ca #newchapter #stalbertmortgages #stalbertrealestate #howtobuyahouse #homefinancing

Fixed or Variable A fixed mortgage offers comfort in knowing your payment will not change at all during the length of your term. A variable has the potential to increase or decrease if Prime rate increases or decreases. If you have a budget that can handle potential increases/decreases to your budget a variable may be for you. If you are looking for mortgage advice, give me a call at 780-914-2620. #varablemortgage #fixedmortgage #primerate #mortgagepayment #mortgagerate #stalbertmortgages #stalbertrealestate

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 new rental property, I can build a long term mortgage plan unique to you and your specific goals. Thank you for taking the time for leaving the review, I really appreciate it. #stalbertmortgages #keystonemortgaecorp #stalbertbusiness #stalbertrealestate #clientlove #fivestarreview

What is a prepayment penalty? It is a fee that some mortgage lenders charge if you pay all or a part of your mortgage early. This only happens if you pay the large sum before the end of the mortgage term. Most mortgages do allow you to pay a certain percentage at a time, Not every mortgage has a prepayment penalty. You should ask your mortgage broker about this before signing with a lender. If you are thinking about refinancing or buying a new home before your mortgage term is up, give me a call and I will guide you through the process. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #prepamentpenalty #refinancing #stalbertmortgages #stalbertrealestate

Is it still possible to get a mortgage if you have claimed bankruptcy. Unfortunately, bad financial situations can happen to good people, but that does not mean all hope is lost. We have ways to get you credit back on track and find a mortgage that is perfect for you. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #Bankruptcy #financingafterbankruptcy #homefinancing #stalbertmortgages #mortgageplan #mortgageoptions #keystonemortgaecorp #stalbert #stalbertrealestate

Home Buyers’ Plan (HBP) To help you come up with a down payment, you may be eligible for the HBP. The HBP allows you to withdraw up to $35,000, tax-free, from your Registered Retirement Savings Plan (RRSP). You must use this amount to buy or build a qualifying home. You have up to 15 years to repay the amounts you withdraw. Before you sign up for the HBP, consider: if you can make the repayments if withdrawing funds impacts your retirement savings. Keep in mind: not making the repayments could end up costing you a lot of money in income tax you may lose out on any growth in your RRSP while the funds are withdrawn. If you are ready to start the mortgage process, contact me today! Call: 780-914-2620 Email: Raenn@MortgageEngineer.ca #stalbertmortgages #mortgageplan #mortgageoptions #preapproval #preapproved #stalbertlocal #keystonemortgaecorp #downpayment #homefinancing #crunchingnumberslikeaboss #crunchingnumbers #howtobuyahouse #stalbertbusiness #mortgageloan #albertacanada #stalbert #stalbertlife #stalbertrealestate #HomeSweetHome #HomeBuyersPlan

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 you lender that will approve you. Call to make an appointment today at 780-914-2620. #options #mortgagelenders #mortgageoptions #mortgageproducts #financialgoal #stalbertlocal #firsthome #firsttimehomeowner #uniqueplan #mortgagefacts #achievinggoals #keystonemortgaecorp #homefinancing #crunchingnumbers #howtobuyahouse #stalbertliving #stalbertbusiness #stalbertmoms #mortgageloan #stalbert #stalbertlife #stalbertrealestate

Why is mortgage loan insurance important? The benefits is mortgage insurance allows you to get a mortgage with as little as 5% down. There is a premium, that is calculated as a percentage of the mortgage and is based on the size of your down payment. This cost can be added to your mortgage and included to your payments. Without mortgage loan insurance you will save the premium, but you will require a 20% down payment. If you're wondering if you will require mortgage loan insurance or not, contact me today. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #mortgageinsurance #stalbertmortgages #mortgageoptions #investinyourhome #keystonemortgaecorp #stalbert #stalbertrealestate

Are you or someone you know self employed and looking for mortgage financing? We have program's designed to provide additional mortgage solutions for the self employed. Whether you have the 2 years history traditionally required for financing or not. As long as you have owned and operated your company or have commissioned income for a minimum of 6 months. I have options and great rates for you! Phone: 780.914.2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #mortgageplan #mortgageoptions #stalbertlocal #keystonemortgaecorp #homefinancing #crunchingnumberslikeaboss #crunchingnumbers #howtobuyahouse #stalbertbusiness #stalbert #stalbertrealestate #selfemployed

Are you looking for a mortgage? Make an appointment today! We can see exactly what you'd be pre-approved for and if you qualify for the first time home-buyer incentives. Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #mortgageplan #mortgageoptions #preapproval #preapproved #stalbertlocal #keystonemortgaecorp #homefinancing #crunchingnumberslikeaboss #crunchingnumbers #howtobuyahouse #stalbertbusiness #stalbert #stalbertrealestate

Fun Fact Friday! Loan to Value is the ratio of your mortgage loan compared to the value of your house. If you have a loan to value or "LTV" of 95%, it means that you have a 5% equity or down payment in the home and a mortgage loan for the remainder. This is considered a high ratio or insured mortgage. If you have a LTV of 80%, it means you have 20% equity within the home. This is considered a conventional mortgage. If you are in the market for a ner mortgage or a renewal contact me today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #LTV #loantovalue #stalbertmortgages #preapproval #preapproved #homeequity #stalbertlocal #keystonemortgaecorp #downpayment #homefinancing #crunchingnumberslikeaboss #crunchingnumbers #howtobuyahouse #stalbertbusiness #stalbert #stalbertrealestate

With interest rates rising, it is good to know what you can use as income . This can increase your purchasing power. There are lenders out there that will accept up to 100% of your CCB for any child 12 or younger, as long as it is not your only income. Sometimes this little bit extra is all you need to get your dream house. If you are wondering how much you can be approved for and if you are able to use child tax benefits call me today at 780-914-2620. #CCB #childtaxbenefits #purchaseingpower #risingrates #preapproval #firsttimehomeowner #keystonemortgaecorp #dreamhouse #firsthome #stalbertrealestate #stalbertlife #stalbert #stalbertmoms #stalbertbusiness #stalbertliving #howtobuyahouse #crunchingnumbers #crunchingnumberslikeaboss #homefinancing #stalbertmortgages

Not quite sure what prime rate is? It 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. If you are looking for a new home or need to renew your mortgage, you should book an appointment now. We can hold a rate for you for up to 120 days. Contact me today! Call: 780-914-2620 Email: Raeann@MortgageEngineer.ca #stalbertmortgages #mortgageplan #preapproval #preapproved #refinancing #stalbertlocal #keystonemortgaecorp #refinance #homefinancing #crunchingnumberslikeaboss #crunchingnumbers #howtobuyahouse #stalbertbusiness #mortgagerates #mortgagelender #mortgageloan #albertacanada #stalbert #stalbertrealestate #primerate #ratehold

Are you trying to figure out which mortgage product is the best for you? 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 me to the work for you, ensuring that you get the best deal, contact me today at Raeann@MortgageEngineer.ca or 780-914-2620 #stalbertrealestate #stalbertlife #stalbert #albertacanada #stalbertbusiness #stalbertliving #crunchingnumbers #crunchingnumberslikeaboss #homefinancing #knowledgeispower #keystonemortgaecorp #stalbertlocal #stalbertmortgages #mortgageoptions #mortgagelenders #selfemployed #refinance

Thank you for your kind words. With 15 years of experience in this industry, The mortgage process is smooth and stress free with me. If you are looking for for a mortgage broker that is professional and easy to deal with, contact me today. Phone: 780.914.2620 Email: raeann@mortgageengineer.ca #testimonial #grateful #happywednesday #keystonemortgagecorp #mortgagelender #stalbert #stalbertlife #stalbertrealestate #clientreview #5starreview #stalbertmortgages