Kristy Delwo

Fixed vs. variable, it’s the age old question. Fixed rate means your rate will not change for the term of your mortgage. Variable means your rate will fluctuate as the Bank of Canada rate changes.... Wanna know more about the pros and cons for either style of mortgage? Connect with me today! Kristy Delwo, Mortgage Broker with Flare Mortgage Group 780-668-4038 [email protected] #flaremortgagegroup #shpk #shpklocal #edmonton #yegmortgages #yegmortgagebroker #broker #mortgage #happinesscreator #mortgagetips #peaceofmind #knowyourbudget #bestbroker #variable #fixed #rates #education

What are your thoughts of the hot housing market right now? When was the last time we've seen "blind bidding"? I remember this happened one year when I had moved to Saskatoon (only for 1 year!) And purchased a home in a blind bidding market. It's great if you are selling, but can be deflating if you are a buyer. That's why working with a knowledgeable realtor is very important! #yeg #sherwoodpark #mortgage #todaysmarket #HappinessCreator #yegrealestate #yegrealtor #sherwoodparkrealestate https://www.facebook.com/194553860586548/posts/5484741698234378/

Check it out, Flare Mortgage Group has come together again for an amazing prize to be won at the Sherwood Park's Easter Egg Hunt! Check it out! #flaremortgagegroup #sherwoodpark #mortgage #easter #EasterContest #HappinessCreator #BestBroker #shpk #shpklocal

Rocking our funky socks for World Down Syndrome Day! That's today....March 21! Show me your funky socks!

Congratulations to our winners! @loupilling So happy and excited for you! Thank you to all that entered. Keep following my page as we are always up something exciting (and stay informed with the mortgage world!)

Have a RMG mortgage? Enter their contest!! #flaremortgagegroup #mortgage #RMG #happymonday #CantWINifYOUdontENTER

Call me for your pre-approval so you can confidently shop within your price range!! #flaremortgagegroup #mortgage #yeg #yegrealtor #strathconacounty #mortgagebroker #preapproval

The First Time Buyer Incentive Program is a share equity program with the Government of Canada. It may be a good fit for those trying to get into the real estate market and require a higher down payment to qualify. Some quick facts: maximum household income is $120,000.00... repayment of the incentive is due after 25 years or when property is sold (whichever is first) must be an insured mortgage (less than 20% down payment) can be used if there is a breakdown of a marriage and re-buying lower monthly mortgage payments and reduced insurance premiums! Kristy Delwo Mortgage Broker - Flare Mortgage Group 780-668-4038 [email protected] #flaremortgagegroup #shpk #shpklocal #edmonton #yegmortgages #yegmortgagebroker #broker #mortgage #happinesscreator #mortgagetips #peaceofmind #knowyourbudget #bestbroker #FTHBI #firsthome

Have an MCAP mortgage? They are giving away $45,000 worth in prizes such as $5,000 home renovation, property tax for a year, $5,000 community giveback package, and $20,000 worth of mortgage payments! Easy to participate...become an MCAP customer (or already are!), login into MyMCAP, click on the MyHome Sweepstakes Icon and complete the monthly activity to collect a ballot! Full details at www.mcapsweepstakes.com

There are three major qualifying criteria taken into consideration when applying for a mortgage. INCOME, CREDIT and EQUITY (aka your down payment). You can remember this by thinking I.C.E. Lenders need to verify that you make enough to pay all of your financial obligations, have an established credit history confirming you pay your debts as agreed and that you have enough down payment funds as well as the source of those funds, for the property you are interested in purc...hasing. For more information contact me today! Kristy Delwo Mortgage Broker - Flare Mortgage Group 780-668-4038 [email protected] #flaremortgagegroup #shpk #shpklocal #edmonton #yegmortgages #yegmortgagebroker #broker #mortgage #happinesscreator #mortgagetips #peaceofmind #knowyourbudget #bestbroker #income #credit #equity

There is nothing quite like that Approved feeling! With a pre-approval from Flare Mortgage Group, you can make getting that final approval even greater. It also helps you know the maximum you can qualify for and can give you an estimate of your mortgage payments, how great is that! Are you ready to get started? Contact me today! Kristy Delwo Mortgage Broker - Flare Mortgage Group 780-668-4038... [email protected] #flaremortgagegroup #shpk #shpklocal #edmonton #yegmortgages #yegmortgagebroker #broker #mortgage #happinesscreator #mortgagetips #preapproval #peaceofmind #knowyourbudget #bestbroker

On the 11th hour of the 11th day of the 11th month, we will remember. Lest we forget.

It is important to remember how your monthly debts affect your ability to qualify for homeownership. Did you know that a $700.00 car payment can reduce your home buying power by approximately $100,000.00! Kristy Delwo Mortgage Broker with Flare Mortgage Group 780-668-4038 [email protected]... #flaremortgagegroup #shpk #shpklocal #edmonton #yegmortgages #yegmortgagebroker #broker #mortgage #homebeforevehicle #happinesscreator #mortgagetips #bestbroker

At Flare Mortgage Group, mortgages aren’t scary. We’re here to guide you through the process and make sure everything runs smoothly. Don’t be spooked out when looking into purchasing a home or renewing your mortgage, call us today! Happy Halloween Kristy Delwo Flare Mortgage Group 780-668-4038... [email protected] #flaremortgagegroup #shpk #shpklocal #edmonton #yegmortgages #yegmortgagebroker #broker #mortgage #happinesscreator #mortgagetips #preapproval #peaceofmind #knowyourbudget #bestbroker