Mortgages with Bad or Poor Credit in Red Deer and across Alberta

Flexible Mortgage Options for Red Deer Residents with Credit Challenges

Helping You Rebuild Your Financial Future

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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.

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Some of the lowest rates in Alberta

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Red Deer Mortgages with Bad or Poor Credit

Bad or Poor Credit? Overcoming Credit Obstacles with Personalized Mortgage Solutions

If your credit is less than perfect, getting a mortgage in Red Deer might seem out of reach.

I specialize in helping Albertans secure tailored mortgage solutions, even with past financial difficulties. Let’s find a way forward together.

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FAQs for Mortgages with Bad or Poor Credit in Red Deer, Alberta

Can I get a mortgage in Red Deer if I have bad credit?

Yes, there are lenders in Alberta who specialize in helping people with low credit scores. I work with several of them to help clients in Red Deer find financing that fits their needs.

What credit score do I need to qualify?

Traditional lenders look for scores of 650+, but alternative lenders in Red Deer may accept much lower scores. The full picture of your income, debt, and history also matters a lot.

Are interest rates higher with poor credit mortgages?

Rates are usually higher, yes, because the lender is taking on more risk. But many of my clients in Red Deer use this as a short-term strategy and refinance into a better rate later on.

Can I improve my approval chances?

Absolutely. A larger down payment, stable income, or a co-signer can make a big difference. I help Red Deer clients review their situation and create a stronger mortgage application.

How do I get started?

Start by contacting me for a confidential chat. I’ll review your finances and walk you through the options available in Red Deer to help you take the next step toward homeownership.

Please note: it's always best to get in touch with me to make sure each specific question you might have we can answer to you directly to ensure 100% accurate information.

Rated 5 Stars by Our Clients!

Rated 5 Stars by Our Clients!

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  • I really appreciate everything you did for us, Kelly! You made this part of the sale so much easier! I will be recommending you to anyone looking for a mortgage broker !!
    Kory and Janince from: Red Deer
  • Thank you for the card and gift certificate! You didn't have to do that. You are the BOMB and of course I am going to recommend you! Thanks again!! :)
    Lynn - Red Deer
  • Kelly was amazing. She helped us through every step of our mortgage. Nothing went unanswered and was extremely quick to get back to us. We would recommend Kelly to all our friends. Keep up the amaz...
    Jasmin - Red Deer
  • Even with our peculiar situation Kelly was amazing. She was knowledgeable and always had a back up plan for the back up plan when things didn't go quite as planned. She was friendly and responsive ...
    Ashley - Sylvan Lake
  • I was referred to Kelly Lukens through a friend and couldn't be happier with her services. She makes the whole mortgage process less daunting and has great knowledge to share. Kelly was able to res...
    Kristin - Red Deer

My Alberta Mortgage Service Areas

Red Deer | Sylvan Lake | Innisfail | Blackfalds | Edmonton | Calgary and all across Alberta!

Kelly Lukens - Red Deer Mortgage Broker

Kelly Lukens
Trusted Red Deer Mortgage Broker

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