Calibre Mortgage Powered By Invis-Mary Poburan
#105-14020 128 Ave NW T5L 4M8 Edmonton, AB, Canada

There are definitely ways you can improve your ability to qualify for a mortgage. To get an idea of what strategies will work best for you, we should have a conversation as early in the process as possible. Being well-prepared will reduce stress and possibly save you money. Get in touch and make sure your experience is both happy and successful!

From My Family to yours. My Pride and joy. Happy Family Day.

The weekend is here and although we have been separated by space, Family is always close at heart. Now more than ever, treasure the moments with those you love. Happy Family Day weekend!

It’s frustrating that mortgages are always advertised based on rate, especially since cheapest is not always best and, as they say: "the devil is in the details". Once you read the fine print, you may find you don’t qualify for that rate, and often there are restrictions and fees that could cost you in the long run. Important mortgage privileges those that can save you money and give you flexibility don’t fit in a rate ad... but they're key in building you the right mortgage matched to your needs and goals. If you're seeing low online rates, do all of the research you can, but be sure to get in touch to discuss!

"Instead of rushing to complete your dream renovation, it’s important to prioritize taking on those tasks that will be good for the overall health of your home." Great advice! Make a list of renovation 'needs' and 'wants' and go from there.

An annual mortgage checkup is an important stepping stone for long-term success. It will help make sure you’ve: determined if you can take advantage of today’s ultra-low pandemic rates; looked at maximizing your mortgage principal reduction; ... consolidated debt for one manageable payment, improved cash flow, and interest savings (if you have enough equity); and, accessed the lowest-cost funds for large looming expenses. I'll help make sure your mortgage incorporates what may be ahead: it could pay big dividends and is the best way to get you where you’re going in your financial future. Book a consultation today!

Most Canadians suffer with their highest personal debt load at this time of year, when holiday spending credit card statements have arrived. You may be able to use your home equity to consolidate that high-interest debt (20% equity is needed) into your mortgage. With extremely low pandemic mortgage rates, every month you could be seeing a big difference: a boost to your monthly cash flow... one easy payment faster debt paydown, and potentially thousands of dollars in interest savings. I can crunch the numbers to see if this makes sense for you. It could be the start of a new financial life!

Wishing everyone a safe and Healthy 2021!!Whatever you do this evening, may you spend it in reflection of what truly matters.

Will prices go up or down? How about rates? Here are some predictions... but nobody can say for certain what the future holds. Stay focused on your goals and get in touch for expert mortgage advice tailored to your situation.

This is good info for anyone planning to buy their first home.

2020 has been a year we won't soon forget. Not only have we survived the pandemic but we have been privileged to have another successful year! We could not have done it without the support of our wonderful clients, referral sources and of course our lender partners. As we make our way down the last stretch of the year, we wish you and your Families a very Merry Christmas and the promise of a better 2021. One filled with Hope, Health and Happiness! Can't wait to hug everyone I see! Take time to appreciate those in your life. Keep them close in heart if not physically, and never take one day for granted.Love Mary, Maya and Karen...Your Calibre Mortgage Team!

Winter is coming

Well 2020 has been quite the year. Our world was changed. Lots of tears. Lots of loneliness. Lots of changed plans , but when we have our health nothing else matters. We are blessed to work in an industry that allows us to work from home and for that we are grateful. Sometimes we just have to look back and laugh. Wishing you a very Merry Christmas From Karen and I. I figured since I can’t be in Mexico, I would bring a little Mexico to you!

Cash Back Mortgage rates are lower than they have typically been, causing an upswing in use by first-time home buyers. Getting 3% cash back of the total mortgage amount can be a big financial boost and provide much-needed breathing room after closing on the most expensive purchase most people make. The funds can help pay for things like closing costs, renovations, and moving costs. Interested in learning more? Let's discuss whether a cash-back mortgage fits your needs.

The Financial Consumer Agency of Canada has a comprehensive website with tips and tools to help you better understand your finances with a focus on our challenging times. The site will help you think more about your financial well-being - https://bit.ly/3eRmGPe

With mortgage deferrals ending, there are options for those in need. I'm here to help!

Thank you to all who fought...so we don’t have to.

I know an extra hour of 2020 is a scary thought but...think of it as an extra hour to sleep in. If you are participating in Halloween activities this weekend, please stay safe.