Kelly Lukens
Your Trusted Red Deer Mortgage Broker
I'm committed to making your homeownership journey clear, confident, and stress-free. With extensive experience with first time home buyers, build mortgages, renewals, refinancing, and investment properties, I'll create a personalized mortgage plan tailored specifically to your needs, always keeping your homeownership goals top of mind.
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Trusted Mortgage Broker Services
Serving All of Alberta
As your trusted Alberta Mortgage Broker, I deliver local expertise and tailored financing solutions no matter where you call home in Alberta. From lakeside living in Sylvan Lake and small-town charm in Innisfail and Blackfalds to the dynamic urban landscapes of Calgary and Edmonton, our Alberta-wide expertise ensures you secure the best rates and dedicated support wherever you call home.
My Alberta Easy Lending Process
Step 1: Contact Me
to get started
Step 2: Needs Analysis
what are you looking to do
Step 3: Verify Details and Sign
I will go over the documentation for final approval
Step 4: Funding
the final step
Alberta Mortgage Service Areas
I can service mortgages for people anywhere in Alberta!
Red Deer | Sylvan Lake | Blackfalds | Innisfail | Calgary | Edmonton | Drumheller | Lethbridge | Airdrie | Medicine Hat | Grande Prairie
and all across Alberta!
Quick Answers to Your Red Deer, Alberta Mortgage Questions...
What mortgage options are available for first-time homebuyers in Red Deer?
First-time buyers can choose from fixed-rate, variable-rate, and high-ratio mortgages (with CMHC insurance). We’ll help you compare lenders to find the best rate and terms for your budget.
How much down payment do I need for a mortgage in Alberta?
You need at least 5% down for properties under $500,000 and 10% on the portion above that. A larger down payment lowers your CMHC insurance premium and monthly payments.
Can I get a mortgage with less-than-perfect credit?
Yes. We work with lenders specializing in low-credit and alternative mortgage solutions. Together, we’ll build a plan to improve your score and secure financing.
Are alternative or private mortgages available in Red Deer?
When traditional financing won’t work, private lenders and alternative mortgage products can bridge the gap—ideal for self-employed borrowers or those with unique situations.
What documents do I need to apply for a mortgage in Alberta?
Typically: photo ID, proof of income (T4s or NOAs), bank statements, employment letter, and credit report. We’ll provide a detailed checklist tailored to your profile.
How can self-employed individuals qualify for a mortgage?
We use alternative income verification—like accountant-prepared statements and bank deposits—to help self-employed clients secure competitive mortgage rates.
What happens at mortgage renewal and can I switch lenders?
At renewal, you can accept your lender’s rate or shop around. Switching lenders often saves you thousands—let us negotiate on your behalf to lock in the best deal.
Mortgages and the mortgage process can seem daunting at times. I’m here to help answer your Alberta mortgage questions and get you into the best solution for your exact needs.
