Time to Make That Dream a Reality

For many Albertan's, homeownership isn’t just a goal,it’s a dream. A place to call your own,and to make memories in. Whether you’re buying your very first home or already a homeowner looking to take the next step, I’m here to help you navigate the process with clarity and confidence.

If you already own your home, you know the kind of security and stability it can bring. And chances are, you’ve already built up some equity over time something we can tap into to fund renovations, invest in your future, or take care of the things that matter most to you.

This is about more than bricks and mortar,it’s about creating a life you love, and setting yourself up for success.

Finding the Right Fit: Payment Options that Work for You

When it comes to choosing your mortgage, your payment structure is very important. The frequency of your payments, the amount you put down, and the flexibility built into your mortgage can all have a big impact on your financial comfort and long term plans, and monthly expenses.

Here’s a quick breakdown of what that might look like:

Mortgage Payment Options

You can choose to make payments:

  • Weekly
  • Bi-weekly
  • Semi-monthly
  • Monthly

This gives you the freedom to align your mortgage with your pay cycle and budget in a way that makes sense for your life.

What About Prepayment Options?

Many mortgage products offer prepayment privileges—meaning you can make extra payments toward your principal without penalty. Depending on the lender and product we choose, this could include:

  • Increasing your regular payment amount
  • Making lump-sum payments (often a certain % of the original mortgage amount per year)
  • Choosing an open mortgage, which lets you pay off your loan in part or in full at any time, without prepayment charges

These options can help you pay off your mortgage faster and save on interest over time. I will walk you through what’s available and help you understand what works best for your situation and goals.

Understanding Your Mortgage Payment

When you make a mortgage payment, you're not just paying off your loan there are usually a few parts involved:

Mortgage Principal

This is the amount you originally borrowed, minus any payments you have made toward it. The more you chip away at the principal, the less interest you’ll pay over time.

Mortgage Interest

At the start of your mortgage, interest often makes up a larger portion of your payment. But as your balance goes down, more of your payment starts going toward the principal.

Property Taxes

Depending on how your mortgage is set up, your lender might collect property taxes as part of your payment and hold them until they’re due.This is based on your home’s assessed market value and is paid directly to your city or municipality.

Whatever Step You’re On, I’m Here for It

Whether you're buying your first home, accessing the equity in your current one, looking to refinance, or just wanting to pay things off faster—I’m here to walk with you through every step.

Let’s take the pressure off, break things down, and create a mortgage plan that truly works for youwith the flexibility, features, and support you need to feel confident in your decisions.

Let’s dream big and build smart—together.

—Care ❤️

Talk with us Today!