Calgary Alberta Mortgage Broker Services

Calgary Mortgage Broker Services

Tailored Home Financing in Calgary, Alberta

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No-hassle, No-obligation. Your info is safe, and you’re in control.

We work with clients from all across Alberta including, Red Deer, Sylvan Lake, Blackfalds, Innisfail, Calgary, Edmonton and all points in between.

Kelly Lukens - Red Deer Mortgage Broker

My Calgary Mortgage Solutions

From a condo in the Beltline to a suburban home in Mahogany, I deliver:

  • Mortgage Renewals
  • Refinancing & Equity Take-Out
  • Pre-Approvals for Home Buyers
  • Bad or Poor Credit Mortgages
  • First-Time Home Buyer Programs
  • Mortgages for the Self-Employed
  • Private & Alternative Lending
  • Home Equity Renovation Mortgages
  • New Home Construction Mortgages

Why Calgary Homeowners Trust a Local Broker

Big banks lack local insight. As your Calgary broker, I know market shifts around the Stampede grounds, demand in Tuscany, and trends in Currie Barracks. I find the right lender and rate so you get a mortgage built for Calgary life.

Calgary Mortgage FAQs

What is the current average mortgage rate in Calgary?

Rates change frequently. I track major lenders daily to secure the lowest available for Calgary buyers and renewals.

How do I apply for a mortgage remotely?

You can submit documents and sign electronically. I walk you through each step by phone or video call so you never have to visit an office.

Can I switch from variable to fixed rate?

Yes. At renewal or via refinancing, you can convert to a fixed rate. I’ll advise on timing based on market forecasts.

What programs exist for first-time buyers?

Alberta’s First-Time Home Buyer Program and CMHC incentives can reduce your upfront costs. I help you apply and qualify.

Are there penalties for paying off early?

Some lenders charge a fee for breaking your term. I compare options so you choose a product with prepayment features that suit your plan.

How long does pre-approval last?

Pre-approvals typically last 90 days. If your home search extends, we can renew your pre-approval with minimal effort.

What income documents are required?

Standard requests include T4 slips, notice of assessments and recent pay stubs. For self-employed clients I accept financial statements and GST returns.

Have more questions? Contact me and I will provide personalized answers for your Calgary mortgage needs.

Kelly Lukens - Red Deer Mortgage Broker

Kelly Lukens
Trusted Red Deer Mortgage Broker

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