https://www.mmgmortgages.ca/news daily 0.75 2026-03-18 https://www.mmgmortgages.ca/news/2026/3/18/major-update-for-first-time-buyers-save-up-to-50000-on-gst-for-new-homes monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/836993fb-cf27-44cd-b376-8cb38e8c9022/Its+Official+GST+Rebate+March+2026.png News - Major Update for First-Time Buyers: Save Up to $50,000 on GST for New Homes - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/7dbdf75b-1882-45f0-ac63-fe797c1a253b/Scenario+1+GST.png News - Major Update for First-Time Buyers: Save Up to $50,000 on GST for New Homes - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/66447e13-31ae-4d06-825a-c25edd4b8af1/Scenario+2+GST.png News - Major Update for First-Time Buyers: Save Up to $50,000 on GST for New Homes - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2026/2/25/rrsp-deadline-maximize-your-savings-and-homeownership-potential monthly 0.5 2026-02-25 https://www.mmgmortgages.ca/news/2025/10/20/january-2026-new-mortgage-rules-coming-for-investment-properties monthly 0.5 2025-10-21 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/6ee81395-3f70-4e45-beee-59936abe0727/OSFI+Investment+Property+Income+Changes.png News - January 2026 - New Mortgage Rules Coming for Investment Properties - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2025/9/18/ready-to-ditch-renting-make-a-power-move-and-consider-buying monthly 0.5 2025-09-22 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/9cfc810b-022f-480c-8bb8-82692de71481/Blog+Post+-+New+Mortgage+Rules+%28Medium+Banner+%28US%29+%28Landscape%29%29.png News - Ready to Ditch Renting? Make a Power Move and Consider Buying! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2025/9/18/rezoning-in-calgary-one-year-later-whats-really-changed monthly 0.5 2025-09-18 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/79bef6fc-95e7-46f2-9529-7e4ab731f27a/blog+pic.png News - Rezoning in Calgary: One Year Later, What's Really Changed? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2025/9/15/what-is-a-builder-lien-holdback monthly 0.5 2025-09-15 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/718b08fc-3bfb-4410-a815-7c34b0d05ab5/New+Home+Construction.png News - What is a Builder Lien Holdback? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2025/9/4/multi-generational-living-a-growing-trend-in-canada monthly 0.5 2025-09-04 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/90e6f204-5a31-4fd0-b9c7-e01686ac950c/Blog+Post+-+Multi+Generational+Living.png News - Multi-Generational Living: A Growing Trend in Canada - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2025/7/10/maximize-savings-with-an-energy-efficient-renovation-rebate monthly 0.5 2025-07-10 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/7c5614fc-47c3-4f44-972f-c02d6ed20323/rebate+example.png News - Maximize Savings with an Energy-Efficient Renovation Rebate - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2025/5/28/new-gst-rebate-for-first-time-home-buyers-big-savings-on-new-homes-up-to-15m monthly 0.5 2025-05-28 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/540589cc-f703-487d-90de-39a6c8db85cd/No+GST.png News - New GST Rebate for First-Time home Buyers - Big Savings on New Homes Up to $1.5M - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2025/4/14/understanding-mortgage-pre-payment-penalties-why-they-rise-when-rates-fall-and-why-some-borrowers-still-break-their-mortgage-early monthly 0.5 2025-04-14 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/51a6f4c3-b3df-4d7b-8665-c9135e4938f6/Mrtg+Payment+Penalty+2025.png News - Understanding Mortgage Pre-payment Penalties: Why They Rise When Rates Fall — And Why Some Borrowers Still Break Their Mortgage Early - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2025/2/6/buying-an-acreage-discover-the-outbuilding-program monthly 0.5 2025-02-23 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/eee8558f-d024-4ae1-8305-267c5e507a76/2025+Outbuilding+Program+Blog+Post.jpg News - Buying an Acreage? Discover the “Outbuilding Program” - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2025/2/18/rrsp-deadline-maximize-your-savings-and-homeownership-potential monthly 0.5 2025-02-18 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/167b7d4d-661f-40cf-acc5-01d6eaf70f4e/RRSP+Deadline.png News - RRSP Deadline: Maximize your Savings and Homeownership Potential - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2025/2/6/its-that-time-of-year-again-what-you-need-to-know-about-your-2025-property-tax-assessment monthly 0.5 2025-02-06 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/e47a229a-66e0-4173-95b6-e694021dcf65/2025+Tax+AssessmentBlog+Post.png News - Its' that time of year again! What you need to know about your 2025 Property Tax Assessment - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2025/1/14/what-are-closing-costs-in-a-real-estate-transaction monthly 0.5 2025-01-14 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/16c34115-4f2e-4039-8f1c-3a940facfde9/Blog+Post+-+Closing+Costs.png News - What are closing costs in a real estate transaction? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2024/10/18/new-government-program-addition-of-rental-suites monthly 0.5 2024-10-18 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/52cbe09f-e781-4c00-b76b-e76b3d7d4837/Insured+Refi-+Rental+Suites+Blog+Post.png News - New Government Program - Addition of Rental Suites - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2024/10/15/understanding-flex-down-mortgages-no-down-payment-mortgages monthly 0.5 2024-10-15 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1d1606b1-7e36-4636-ae80-c2377365e685/Blog+Post+-+Flex+DP+Oct+16.png News - Understanding Flex Down Mortgages (“No Down Payment Mortgages”) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2024/9/25/updated-exciting-changes-for-homebuyers monthly 0.5 2024-10-30 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/2d9eb854-9189-4832-b6b0-c028350ed41a/Updated+Gov+of+Canada+Announcement+Sept+16.png News - Updated: Exciting Changes for Homebuyers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2024/9/19/ambitious-new-mortgage-changes monthly 0.5 2024-09-19 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/3fe54cb8-9e63-4dc9-848b-42b96986004d/Mortgage+Changes+Calculations.png News - Ambitious New Mortgage Changes - Make it stand out *As of the day of this article, and not confirmed by government bodies, if we are working on the current guidelines, minimum down payment would be 5% on the 1st $500,000 and 10% down payment on anything over $500,000.00. We are awaiting further information to be announced prior to the December 15th date if the minimum down payment will increase on amounts over $1M and if the mortgage insurers or lenders will premium the rate and insurance premium. https://www.mmgmortgages.ca/news/2024/8/22/should-you-buy-before-selling-exploring-the-buysell-dilemma monthly 0.5 2024-08-22 https://www.mmgmortgages.ca/news/2024/8/14/ask-a-mortgage-broker-with-sterling-homes monthly 0.5 2024-08-14 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/8330c326-d13e-4790-a583-1ff2c86f5182/Social+Media+Content.png News - Ask A Mortgage Broker with Sterling Homes - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2024/6/24/ae5fsxbbst44oux7m9pr674jg5aasz monthly 0.5 2024-06-25 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/49962e5a-03d7-4a04-99ed-aef64efedecf/New+Insured+Mortgage+Option.jpg News - New Insured Mortgage Option for New Builds: What You Need to Know! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/e95beb4d-a66c-4b28-a66e-bf7e69223403/Premium+rate+chart.PNG News - New Insured Mortgage Option for New Builds: What You Need to Know! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2024/6/6/the-bank-of-cananda-lowers-its-prime-rate monthly 0.5 2024-06-06 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/237eec6f-a84c-456d-94bd-0cf6fc94338b/BOC+Update+Blog.png News - The Bank of Cananda Lowers its Prime Rate - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2024/4/17/understanding-mortgage-default-insurance-cmhc-insurance monthly 0.5 2024-04-23 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/9d1f3ac6-e100-4284-b695-6a21ecd54d03/Insurance+Premium+Table.PNG News - Understanding Mortgage Default Insurance (CMHC Insurance) https://www.mmgmortgages.ca/news/2024/4/8/co-signor-versus-guarantor-what-is-the-difference-and-are-there-other-options monthly 0.5 2024-04-15 https://www.mmgmortgages.ca/news/2024/4/8/your-tax-guide-to-navigating-homeowner-and-first-time-buyer-deductions-this-season monthly 0.5 2024-04-08 https://www.mmgmortgages.ca/news/2024/3/20/proposed-blanket-rezoning-for-calgary monthly 0.5 2024-04-08 https://www.mmgmortgages.ca/news/2024/3/11/the-end-of-the-first-time-home-buyer-incentive-program monthly 0.5 2024-03-11 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1710176231210-SJJ2DZ8ORAIJ4PFME7J1/FTHBI+Cancellation.png News - The End of The First-Time Home Buyer Incentive Program - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2024/2/20/maximizing-your-first-home-purchase-understanding-the-rrsp-deadline-and-benefits monthly 0.5 2024-02-20 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/92fe3d71-6e30-4a94-9fc8-d45b365a82ea/Hybrid+Mortgage+%281%29.png News - Maximizing Your First Home Purchase: Understanding the RRSP Deadline and Benefits - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2024/2/1/city-of-calgary-property-tax-assessments monthly 0.5 2024-02-02 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/2123b300-bd91-478e-a047-e832377f2f10/SeptOctNovDec+Social+Content+%283%29.png News - City of Calgary Property Tax Assessments - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2024/1/3/mortgage-renewals-what-you-need-to-know monthly 0.5 2024-01-04 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/c4b2a617-31b7-46f2-887e-da98aef0d248/Renewal+blog+post+graph.png News - Mortgage Renewals - What You Need to Know! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2023/11/28/payout-cra-taxes-with-your-home-equity monthly 0.5 2023-11-28 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/fe9d5449-def7-4b49-bbb3-f8d999c623b5/SeptOctNov+Social+Content.jpg News - Pay Out CRA Taxes with Your Home Equity - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2023/11/6/effects-of-interest-rates-on-home-buying-power monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/979ca894-d2ad-47ec-b5f8-3ecc14b46f10/Higher+Rates+Chart+%281%29.png News - Effects of Interest Rates on Home Buying Power - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2023/11/3/mortgage-renewals-just-got-easier monthly 0.5 2023-11-03 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/a19d6572-9113-48f0-af5e-cd99dd6208ae/SeptOct+Social+Content.png News - Mortgage Renewals Just Got Easier! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2023/10/23/costs-to-keep-in-mind-for-your-new-purchase monthly 0.5 2023-10-23 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/de98088f-edb1-4fdd-8da8-cb5d591b802e/What+are+Closing+Costs.png News - Costs to Keep in Mind for your new purchase! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2023/9/14/interested-in-a-rental-property-in-a-holding-company-heres-what-you-need-to-know monthly 0.5 2023-09-25 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/39d9ba80-c5de-4a74-9f27-16b3de819d71/Investment+Property+%281%29.png News - Interested in a Rental Property in a Holding Company? Here's What you Need to Know! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2023/8/28/anti-flipping-tax-what-you-need-to-know monthly 0.5 2023-09-12 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/80f47a80-5519-43b3-a28a-7dc6a14877ae/Anti-Flipping+Tax+%281%29.png News - Anti-Flipping Tax - What you Need to Know! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2023/9/1/what-is-a-hybrid-mortgage monthly 0.5 2023-09-01 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/24730245-6293-452f-8b9d-a8ba993d7bb1/Hybrid+Mortgage.png News - What is a Hybrid Mortgage? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2023/8/9/whats-the-scoop-on-variable-rate-mortgages monthly 0.5 2023-08-09 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/98326d69-aeee-49a6-b47b-1abfd83100e3/BOC+Overnight+rate+Chart.png News - What's the Scoop on Variable Rate Mortgages? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2023/5/31/3mzvq5iv0qidmyy1qjjtasgt0tq6bf monthly 0.5 2023-06-05 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1f7dd7a3-0e11-419d-b045-1534be305c15/Mortgage+up+for+renewal.png News - Mortgage renewal tips - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2023/5/23/a-comprehensive-guide-to-closing-costs monthly 0.5 2023-05-23 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/cfc0e28e-8dc1-4cf5-99af-891b3d9c3355/Closing+Cost+Blog.png News - A Comprehensive Guide to Closing Costs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2023/3/29/foreign-buyers-ban-update monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/50b46f1c-7312-4c4d-a9de-08b445152f09/Foreign+Buyers+Ban+Update.png News - Foreign Buyers Ban Update! - Foreign Buyers Ban Updates There have been exciting changes to the Prohibition on the Purchase of Residential Property by Non-Canadians act! Work permit holders are now allowed to purchase residential property as long as they have 183 days or more of validity remaining on their work permit, and have not purchased more than one residential property Previously, vacant land that was zoned for residential or mixed-use could not be purchased by non-Canadians. This restriction has now been lifted. Non-Canadians will now be able to purchase residential property for the purpose of development. According to the CMHC, “development” encompasses expansions or remodels that are “tantamount to the construction of a new building or a change of use”, or essentially creating a new residential property. Unfortunately, repairs, renovations, or remodeling the property will not count as “development”. The maximum threshold for purchasing residential property by a privately held corporation or entity controlled by a non-Canadian has increased from 3% to 10%. https://www.mmgmortgages.ca/news/2023/2/6/23tha7itfoc9nuaz2v6orz0jf8flx6 monthly 0.5 2023-08-08 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/557872f9-d4f9-4422-9072-afd2cf98a55c/FHSA.png News - Tax-Free First Home Savings Account (FHSA) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2023/2/13/zmx0o0axx04ayxvynvkg7tpo1iz6oy monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/6ac4c0fa-e623-4322-bcbf-9e02b238865b/Cool+Product+Alert.png News - Cool Product Alert! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2023/1/9/kv1v89locf4gd2mz7zqzenkw25nntg monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/c13d4251-53cf-4631-955d-acf66726d51b/Stress+Test+Blog+%282%29.png News - The Stress Test and How We can Overcome Inflated Rates - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2023/1/10/tnnulsk7lxg1cko7d5lzq9us6rvt6k monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/b91301e2-8a4c-456a-95bd-33d61b2cc4bd/2022+Record+Sales.png News - Heading into 2023 - A Look at Calgary Stats - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2023/1/3/clx3n6a5asnpnyfn9nlylkoenu4gt4 monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/d1e928ed-6596-42ec-a531-e6f92b1c7428/BRRRR+%281%29.png News - BRRRR Mortgage strategy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2022/12/12/s4sp0q8t19nnaqf4l3xcr2m8och9ul monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/0470fd48-e712-4f83-aae0-11b21bdcb826/Porting+Insurance+Fees.png News - Porting Mortgage Insurance Premiums - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2022/10/26/q29tr7ci7ap9nr4gfyx7vxmw0xhgfg monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/5e954923-e8fa-49fe-bccf-bc5976b5b3a3/Spoken+Languages+%281%29.png News - MMG staff and agents can speak 16 different languages! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2022/10/19/7bkl61jk33h2ocsh854i3pa9nz7ozs monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/f64bfed6-29a9-4698-ae30-11b67e98eafc/Bridge+Loan.jpg News - What is Bridge Financing? https://www.mmgmortgages.ca/news/2022/9/12/yr24n28yfn2x6ponqmbzul4xr5t444 monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/04543f78-5702-4d33-8721-b3b1707b1395/Payment+Shock+%281%29.png News - Have you Heard of Mortgage Payment Shock? - Have you Heard of Mortgage Payment Shock? This term is fairly common nowadays for individuals who have mortgages coming up for renewal with higher rates and for anyone in a floating rate mortgage with adjustable payments. So, what is payment shock and what does this mean for you? Adjustable/Variable Rate mortgage holders: With the increase of rates, there is a lot of talk surrounding a ‘trigger rate’. In easy terms, there is a point when the prime rate increases effect the interest rate of your individual mortgage and the set payments you have scheduled are no longer paying down the principal of your mortgage and 100% of your payments are going towards principal. This only applies to those mortgage products where your payments do NOT change but your rate floats. This is also called a Variable Rate mortgage. Your payments stay static throughout the term even if rates change. That being said, if you reach the trigger rate (generally set by the bank at time of funding) then the bank may request an increase to your payments to start paying down principal, again. And in the background of this occurring, and as rates have been rising, so has the amortization periods for borrowers with these variable rate mortgages (where payments are static) since the mortgage balance is being paid down at an increasingly slower pace. That is, until renewal time, when the mortgage may renew at a higher rate with higher payments to bring the mortgage amortization back to the maximum number of years permitted. Depending on where rates are at that time, this can create “payment shock”. Some floating rate mortgages (usually referred to as an Adjustable-Rate mortgage – ARM) have payments that adjust when prime rate changes. If this sounds like your mortgage, you would not have a trigger rate set as your payments are already adjusting to keep your principal/interest repayment consistent and your amortization inline with your existing mortgage contract. Mortgage Renewals: If your mortgage is set to renew in an environment where rates are higher then your current contracted rate, this can also create payment shock. At time of renewal, you may have the option to increase your amortization period to combat and offset the higher rates which could help to decrease the payments. This is however dependent on the equity position in the home and if your mortgage is or needs to be classified as an insured term. It is more important then ever to ensure that you are making lump sum payments onto the principal of your mortgage to paydown the balance faster. Thus, at renewal, you may have more options to leverage your amortization or to reduce the impact of payment shock when rates reset. Generally speaking, the lower your mortgage balance, the lower your payments can be. Call us anytime for a mortgage refresher. We are always happy to dive in and review options. https://www.mmgmortgages.ca/news/2022/6/1/591lbqqfpfjs8ttgk288y2eaib7x08 monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/694126f3-3349-4ded-9358-15cb463460a1/Home+Protection+Warranty.png News - Mortgage Lender Home Protection Warranty Programs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2022/5/25/47vhteqqxllwbgd3vltvu5kntjp4q8 monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/269083a9-48b5-4fd7-aa68-2015f3d31a03/How+to+payoff+mortgage+faster.png News - 5 Ways to pay off your mortgage faster! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2022/5/25/8umzhq6fth0uiv2h5twfqnur9equa4 monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/fc112c18-934f-444b-b087-c5c9906fb712/Secure+Best+Rate.png News - How to secure the best mortgage rate! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2022/2/15/hzbdfpapmij3y4qzjlad344lrvgiqr monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/d6956609-4dc0-4177-ad7b-16ad36b5f68d/Economic+Forecast+-+Ben+%282160+%C3%97+1080+px%29+%281%29.png News - An MMG Exclusive Webinar February 24, 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2022/2/1/5v2yagim6pn94zlg9k2jsru00f79mb monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/35f691e7-e227-42ed-9bd7-2d62774dd5d0/Interprovincial+Move.png News - What do you need to consider when moving between provinces? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2022/1/11/k4iarr02lde671qh512ubv0durjxle monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/f1397169-6408-4c45-b71a-9fe382a4eb7e/Fixed+Rates+2022.jpg News - Are Fixed Interest Rates Still A Good Option? Fixed interest rates are still a good option! Between October to December 2021 we saw a sharp incline to the fixed rates. They increased by about .75%-1.00% in just 3 months and have now tapered off and held steady with a few lenders dropping their base rate by about .05%. The fixed rates follow the bond market and not the Bank of Canada’s prime rate changes and so there are different economic factors that will affect fixed rates over the floating rates. If COVID has brought us anything (outside of a booming Real Estate market!) it has brought us low mortgage rates and now with the Omicron variant, it’s holding rates stable. Until the economy in general starts to stabilize, our fixed rates won’t drastically increase and COVID plays a big part in this. When rates do start to rise, the finance minister has suggested a slow and steady incline. They do want to keep rates low as this helps consumers keep their cost of living down which means they have more money to spend and put back into the economy. The fixed rates and bond market are following COVID. The charts below were as per December 2021. As case numbers soar, the bond market drops which means rates drop or stabilize. The best indicator going forward with rates is to follow COVID and the economic recovery which will be slow. https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/642746dc-f748-4818-9e6c-2c777c96485d/Graph+-+Website+1.png News - Are Fixed Interest Rates Still A Good Option? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/e262aa1c-21d2-4fb9-a43a-205bda62a2e1/Graph+-+Website+2.png News - Are Fixed Interest Rates Still A Good Option? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2021/12/8/8cez45r2mtqkxlb5wlbj445g8ag531 monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/d0ce1a17-4ff4-41e0-9633-22099ad46faf/Pay+it+forward+Web+post.png News - Forward Housing Association - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2021/12/1/djqchz3fyetvr5m3uqcb3vsfqlvvez monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/d67d019d-b630-4be9-a173-b9bfcb9d3e49/Prime+Rate+%281%29.png News - Predictions of a prime rate increase mid 2022 might be later than expected There has been a lot of discussion about when the first interest rate hikes will happen. Some financial markets are predicting a rate increase as early as March 2022, but the BoC Deputy Governor Lawrence Schembri stated last week that “there’s a lot of uncertainty about the timing of the closing of the output gap, so one should be careful not to assume it’s necessarily going to be the second quarter. It’s a range of six months – that’s our best estimate”. The Bank of Canada Governor Tiff Macklem also mentioned that “while the timing of the next rate hike is “getting closer”, it’s still very dependent on economic conditions. Schembri also mentions, it is becoming increasingly more difficult to predict when rates will adjust due to the labour market uncertainty among other factors. “Our assessment of labour market conditions and underlying capacity and inflationary pressures is now more difficult,” he said. The Bank of Canada expects inflation to cool as employment and productivity improve and will not raise interest rates until economic slack is absorbed. With the current Bank prime rate and the aggressive spreads, you can still secure a variable mortgage rate as low as 1.00% for a purchase or mortgage renewal. https://www.mmgmortgages.ca/news/2021/12/1/a7i302x4e7qdlrk5syf5qgcqnp8mhp monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/9626158b-41e4-4be7-a5e4-bd860249eb23/Brokerage+of+the+Year+2021+%28Ebook+Cover%29.jpg News - Two Time Winner - 2020 and 2021 Mortgage Awards of Excellence Alberta Brokerage of the Year Alberta Brokerage of the Year for 2021 Our brokerage is honoured to be recognized as Alberta Brokerage of the Year for the second year in a row. We are so blessed to have such hardworking, dedicated, amazing brokers and staff that make up this team. Thank you to MPC - Mortgage Professionals Canada for this award. We are so grateful and humbled! https://www.mmgmortgages.ca/news/2021/11/29/xvr3bwy8ybbov1vl8mhxtoc8huz4ug monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/d50bc7b6-b3ad-443d-bec2-881cb385bd53/Fairways+Divorce+Logo+%281%29.jpg News - Buying, Selling or Refinancing a Home After a Marital Breakdown - Why a Separation Agreement is Important - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2021/10/6/lg44jh4yelv6m0go8lcik7v9zcq9q6 monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1633546126723-OBNQSS4VUAIJCD8SUUF4/Floating+Rate+mortgage+%281%29.png News - The Truth about a Floating Rate Mortgage… - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2021/10/6/mortgage-rate-forecast monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1633541585322-H135AB1ASJDY0RCE2085/5+year+bond+yield.png News - Mortgage Rate Forecast With the election behind us and the fourth wave of Covid well underway, our bond market has been unstable but with a steady incline. Since this time last year the 5 year bond yield has increased from .37 to 1.10 This inevitably has driven up Canada’s fixed mortgage interest rates. Variable interest rates have adjusted downward with the finance minister still forecasting no change to the overnight prime rate until inflation stabilizes which is anticipated at the end of 2022. This makes the variable rates very attractive for all types of financing. If you’re in the market for a fixed rate, now would be a fiscally responsible time to lock your interest-rate in for a new purchase or consider early renewing your existing mortgage. We’re always happy to talk mortgage rates - please contact us with any questions. https://www.mmgmortgages.ca/news/2021/8/24/5hv7txxxjkqxthv751r6oe4201ru18 monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1629829990590-UPUBEVEFAGSOS7FSIGM0/Renovation+Rebate+%281%29.png News - Housing Rebates/Grants for Homeowners - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2021/7/12/cexexk1u7kz4r41ycvijngv5yq3g70 monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1626143030989-G4NKI27M32Y6JMMB9IN0/Mortgage+Insurance.png News - CMHC Insurance Qualifying Changes - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2021/6/24/xjfynmn70d3wij47wai50cxwbtwcuk monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1624562044271-J5O437XVYFVU5A5AAMZ4/Value+of+a+broker+HT.PNG News - The Value of a Mortgage Broker - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2021/6/1/l96t45i92djz7crndnjfbv5wekhkvw monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1622589220529-GJO3E13WK2PXAQQP2UFZ/Qualifying+Rate+Increase.png News - Mortgage Qualifying Rate (Stress Test) Changes June 1, 2021 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2021/5/28/i9226od485bv42881avedneo3s9vm1 monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1622245478509-EX0MSE72Z0KXRAG8MBQ4/Podcast+Promo.png News - Special Episode Podcast with the Alberta Real Estate Association (AREA) https://www.mmgmortgages.ca/news/2021/5/11/hkqavft9ic76c6gc3fbf1noi61hh1j monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1620757086768-EVKBF18SBKMAP0A1M72X/Website+Pic+%281%29.png News - Do You Have to Pay To Use A Mortgage Broker? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/news/2021/3/31/alberta-housing-market-update monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1617206554878-JW5DSMSLA403EESEXXYJ/MU.jpg News - Alberta Housing Market Update https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1617206073503-8UAOBX59VLI2GNG81TE2/Market+Update+2.jpg News - Alberta Housing Market Update https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1617206118257-3WC8NF0NYAL0SGLN7IHC/Market+Update+3.jpg News - Alberta Housing Market Update https://www.mmgmortgages.ca/news/2021/2/11/inqo6k4b119mu9p7yialq8qceg15tu monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1613091067436-5GXPBEA6NYLOSW22P785/Alberta+Brokerage+-+300+DPI.png News - ALBERTA BROKERAGE OF THE YEAR https://www.mmgmortgages.ca/news/2021/1/25/olympus-group-newest-addition-to-the-utility-market monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1611590785932-3E2GVGNF6GJ26ECXYC05/Olympus-Group-Logo.png News - Olympus Group - Great New Option for Utility Services https://www.mmgmortgages.ca/news/2020/12/16/what-does-a-covid-19-vaccine-means-for-mortgage-rates monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1608666171511-CX8QOLJNPSHE552A2Y2I/Vaccine.png News - What Does a COVID-19 Vaccine mean for Mortgage Rates?  https://www.mmgmortgages.ca/news/2020/12/8/mmgs-virtual-silent-auction monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1607462323782-QWIZH74P6YJL7WLWXCDY/Thank+You%21+-+Final+Post.png News - MMG's Virtual Silent Auction! https://www.mmgmortgages.ca/news/2020/12/3/mmg-supports-charity monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1607037389367-P68RE204O6TRNAZBSHL8/Home+For+Dinner.png News - MMG Supports Charity! https://www.mmgmortgages.ca/news/2020/11/9/xsl2m0uzbsef7cp4u612p2thmovh17 monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1604965153277-724IKFJH9ZIJFT518K4C/In+Your+AREA+Logo+-+Final+-+no+background.png News - In your AREA https://www.mmgmortgages.ca/news/2020/7/3/p4x2wk548n3qvqlm8d9kxm5sckcndc monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1593792033672-4VW9UTPB42GY4Q0W2NZ6/Mortgage+Awards+of+Excellence+Finalist.png News - Mortgage Awards of Excellence Finalist https://www.mmgmortgages.ca/news/2020/6/5/heres-what-they-mean-for-you monthly 0.5 2023-03-29 https://www.mmgmortgages.ca/news/2020/5/12/have-you-ever-wondered-what-factors-affect-your-credit-score monthly 0.5 2023-03-29 https://www.mmgmortgages.ca/news/2020/5/12/connecting-with-our-community monthly 0.5 2023-03-29 https://www.mmgmortgages.ca/news/2020/4/21/manulife-one monthly 0.5 2023-03-29 https://www.mmgmortgages.ca/news/2020/4/2/stress-test-drops monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1585851809675-T5DXETH787T1Q3TUCF5N/Stress+Test+5.04.png News - Stress Test DROPS! https://www.mmgmortgages.ca/news/2020/3/20/qualifying-rate-decreased monthly 0.5 2023-03-29 https://www.mmgmortgages.ca/news/2020/3/18/financial-relief-is-available-fornbspalbertans-impacted-by-covid-19 monthly 0.5 2023-03-29 https://www.mmgmortgages.ca/news/2020/3/15/-05-reduction-to-prime-lending-rateagain monthly 0.5 2023-03-29 https://www.mmgmortgages.ca/news/2020/2/21/stress-test-changes-explained monthly 0.5 2020-02-21 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1582309524752-WZE0UZYV4ID1ZC96S2YE/Changes+to+Stress+Test%21+FINAL.png News - Stress Test Changes Explained! https://www.mmgmortgages.ca/news/2020/2/18/big-news-about-the-stress-test monthly 0.5 2023-03-29 https://www.mmgmortgages.ca/news/2020/1/20/y6vmn2l8qbb2mfgl48kwworxoh2ybm monthly 0.5 2023-03-29 https://www.mmgmortgages.ca/news/2020/1/14/the-lowest-rates-are-not-always-the-best-options-or-available-options monthly 0.5 2023-03-29 https://www.mmgmortgages.ca/news/2019/8/2/exciting-news monthly 0.5 2019-08-02 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1564764945558-XYBTJONJETZJJ0X45W19/Stress+Test.png News - Exciting News! https://www.mmgmortgages.ca/news/2019/8/1/we-love-our-clients-amp-partners monthly 0.5 2019-08-01 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1564683773120-E6EXCOPFJ9LFSTF5Z5L0/fn.jpg News - We Love Our Clients & Partners! https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1564683783066-XAUQ9RZO1D3JFI6J3KZF/Steve+%26+Sara.jpg News - We Love Our Clients & Partners! https://www.mmgmortgages.ca/news/2019/7/23/now-hiring-experienced-mortgage-agents monthly 0.5 2019-07-23 https://www.mmgmortgages.ca/news/2019/7/17/first-time-home-buyers-incentive-program monthly 0.5 2019-07-17 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1563404593467-YWQ754QSI7FBQVWEMBUM/FTHB.png News - First Time Home Buyers Incentive Program https://www.mmgmortgages.ca/news/2019/5/22/fptpaxjlzkxlqycn2wsq980aq5qq9r monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1558549074801-5PL6PXSJSFGP4U0PNUJ0/Interest+Only+Mortgages.png News - Boost Your Retirement Savings with Interest Only Mortgages! https://www.mmgmortgages.ca/news/2019/5/15/your-next-big-move monthly 0.5 2019-05-15 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1557960006804-TGSW1N3VU82IMSDHBJ31/NextBigMoveCalgary_504-q_auto-c_scale%2Cq_auto%2Cw_400.png News - Your Next Big Move! https://www.mmgmortgages.ca/news/2019/5/15/game-changer-we-can-now-finance-re-mediated-grow-ops monthly 0.5 2019-05-15 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1557953192265-FRNFQT9D5GW4QZPSRN3V/Re-Mediated+Grow+Ops.png News - Game Changer: We can now finance re-mediated grow ops! https://www.mmgmortgages.ca/news/2019/4/25/come-say-hi monthly 0.5 2019-04-25 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1556219817174-AQN67UAVYZ4IRP740XYV/NTC+Post+2.png News - Come Say Hi! https://www.mmgmortgages.ca/news/2019/4/22/2019-alberta-convention monthly 0.5 2019-04-22 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1555961816855-HL5LDUV0K6F2Y4D49K4F/2019-BanffBound-1080x1080.jpg News - 2019 Alberta Convention - We’re Banff Bound! MMG Brokers are always up for any excuse to learn and grow in the industry! We are thrilled to be attending the mortgage brokers event of the year!! With an amazing lineup of speakers, educational sessions, and more – The 2019 Alberta Convention at the gorgeous Fairmont Banff Springs Hotel is where we want to be! ‪June 2-4, 2019‬. Are you attending the conference? #abcBanff #myAMBA #myMPC #YouBelongInBanff #strongertogether https://www.mmgmortgages.ca/news/2019/4/12/new-to-canada-expo-2019 monthly 0.5 2019-04-12 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1555087211858-S970YMXW7BO23XPOUCDB/New+to+Canada.png News - New to Canada Expo 2019 - New to Canada? Are you or someone you know New to Canada and looking to buy a home? Visit us at the New to Canada expo for all of your mortgage and qualifying needs! Join us on April 27th between 10am and 4pm Stop by our booth and say hi!! #MortgagesMadeEasy https://www.mmgmortgages.ca/news/2019/4/3/nno4i3zegbhsqab1ns9ms762bpvntj monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1554321346539-XTBXHVZ6XC2P16LQ7N1H/MMG+Social+Contract+Final+-png.png News - MMG Mortgages: Social Contract - MMG Mortgages: Social Contract A social contract is an implicit agreement among the members of a society to cooperate for social benefits, for example by sacrificing some individual freedom for state protection. In both moral and political philosophy, the social contract or political contract is a theory or model, originating during the Age of Enlightenment. At MMG Mortgages, our social contract speaks to our passion for what we do and how we deal with our business and our clients on a day to day basis. We live by these unwritten rules, and take pride in knowing our entire team lives and breathes honesty & integrity, which is the most important part of our business. https://www.mmgmortgages.ca/news/2019/3/21/agbkxii24mkqtf4kiday38ji6zfypq monthly 0.5 2023-03-29 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1553184054545-S4WR147S25SPLZMEEBX4/2019+FB+FTHB+Incentive+Plan+%281%29.png News - First Time Home Buyers Incentive Plan - First Time Home Buyers Incentive Plan The 2019 Federal Budget meeting was concluded on March 19th with the below notable changes to be made to Canadian mortgaging by Fall of 2019. Our brokerage is optimistic by these changes but disappointed in the low impact this will have of overall buyers in our Canadian market. There is also an associated risk with the future repayment of the incentive and something that we are eager to learn more about in the upcoming days and months. The new CMHC First-Time Home Buyers Incentive Plan represents a shared equity mortgage program that would give eligible first-time home buyers the ability to lower their borrowing costs via equity sharing with CMHC of up to 5% of the purchase price of an existing home, or 10% of a new build. No repayment required monthly. The buyer would repay the incentive, for example at resale. Only eligible for households earning $120,000 annual income or less. Max eligibility lets them borrow no more than four times the annual household income. Further noted is an additional increase in the eligible RRSP withdrawal amount through the Home Buyers’ Plan (HBP). Previously $25,000, this has been increased to a maximum to $35,000. Please contact MMG Mortgages for further information and get our take on the upcoming changes. https://www.mmgmortgages.ca/news/2019/1/31/concerned-about-rising-rates monthly 0.5 2019-03-21 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1548963575768-6UKZVKDY7KXNBGJ6H6UU/1%25+Rate+Increase.png News - Concerned about rising rates? https://www.mmgmortgages.ca/news/2019/1/25/rate-special monthly 0.5 2019-01-25 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1548458231488-X2JCH15MQ1CSZP2ZLW89/7+Year+Rate+Special.png News - Rate Special! https://www.mmgmortgages.ca/news/2019/1/23/property-flip-mortgages monthly 0.5 2019-01-23 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1548281477961-N3JM5PZC4O8HE86PJRBB/MMG+Mktg+-+Property+Flip+Mortgage.png News - Property Flip Mortgages https://www.mmgmortgages.ca/news/2019/1/17/welcome-to-the-team-scott monthly 0.5 2019-01-17 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1547743542025-Z2B5NB3PBOXPZSOY0ZA3/Scott.jpg News - Welcome to the team, Scott! https://www.mmgmortgages.ca/news/2019/1/9/first-time-home-buyer-tips-for-your-purchase monthly 0.5 2019-01-09 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1547064802925-QMGT39A0ENYTP9FOUIY6/First+Time+Home+Buyer+Tips.png News - First Time Home Buyer? Tips for Your Purchase! https://www.mmgmortgages.ca/news/2019/1/7/happy-birthday-deane monthly 0.5 2019-01-07 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1546888040086-9ER7916L6Z8P6Z8PE9UF/IMG_5780.jpg News - Happy Birthday Deane! https://www.mmgmortgages.ca/news/2018/12/18/did-you-know monthly 0.5 2018-12-18 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1545157283127-ZYZC9VFJFGYF8C6IO228/IMG_4160.jpg News - Did You Know? https://www.mmgmortgages.ca/news/2018/12/17/happy-birthday-jacki monthly 0.5 2018-12-17 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1545075691663-ANH06XRRP70DV4512EBY/jacki.jpg News - Happy Birthday Jacki!! https://www.mmgmortgages.ca/news/2018/12/6/mmg-staff-christmas-party monthly 0.5 2018-12-06 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1544140197495-BODRYXKKNDFPVX6W80V3/47263600_1942342145821349_1022832322510061568_n.jpg News - MMG Staff Christmas Party! https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1544140197680-HCVYWWC8JGCCTL8JU617/47278516_1942342659154631_5945907550116380672_n.jpg News - MMG Staff Christmas Party! https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1544140198090-MQ8T3KPMMTUQY06Y9XUH/47312619_1942342419154655_6359767751195623424_n.jpg News - MMG Staff Christmas Party! https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1544140198291-YY4M97BTI2W9GR27E740/47320972_1942342432487987_4848538342221938688_n.jpg News - MMG Staff Christmas Party! https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1544140198652-9PE1RQ0XZK36NRNKZ9G1/47356109_1942342739154623_4189595869735026688_n.jpg News - MMG Staff Christmas Party! https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1544140198891-GRBEPIZ52ZB5E3J6G43T/47381925_1942342339154663_4184978960280453120_n.jpg News - MMG Staff Christmas Party! https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1544140199283-T75A6SF65D4N9GYXBC84/47384208_1942342195821344_6161145124576296960_n.jpg News - MMG Staff Christmas Party! https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1544140199555-YD6WFG4JT585T0Y5F3DE/47391707_1942342242488006_3049579315923517440_n.jpg News - MMG Staff Christmas Party! https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1544140199787-XDJ3Y3P53EN0R0SOINRZ/47422747_1942342575821306_2431473212098347008_n.jpg News - MMG Staff Christmas Party! https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1544140200226-W05GTBCLTPDCRSAYIN1C/47574389_1942342495821314_1435767078396100608_n.jpg News - MMG Staff Christmas Party! https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1544140200423-59NM3598TEO6KICJGT2X/47578229_1942342385821325_2825714767073640448_n.jpg News - MMG Staff Christmas Party! https://www.mmgmortgages.ca/news/2018/10/19/its-not-just-about-the-rate monthly 0.5 2018-10-19 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1539966917068-GJK2FQGO8JMK94WOSUBG/Monolines+Vs+Banks.png News - It’s not just about the Rate!! https://www.mmgmortgages.ca/news/2018/10/15/thank-you monthly 0.5 2018-10-15 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1539624542049-H8933TIUT83LBXKHG5AJ/Andrea.png News - Thank you! https://www.mmgmortgages.ca/news/2018/9/24/we-love-our-clients monthly 0.5 2018-09-24 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1537818380560-Q2XUURBKH0P2W35VYX9Y/Danielle.png News - We Love our Clients! https://www.mmgmortgages.ca/news/2018/9/18/interim-financing monthly 0.5 2018-09-18 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1537304308036-XT3RH19R86YCDSM0ZN3N/Hightlights_InterimFinancing.png News - Interim Financing https://www.mmgmortgages.ca/news/2018/9/11/acreage-financing monthly 0.5 2018-09-11 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1536682010127-BNK9H7FMQJFANCKGGK8V/Highlights_Acreage+Financing.png News - Acreage Financing https://www.mmgmortgages.ca/news/2018/9/5/become-mortgage-free-faster monthly 0.5 2018-09-05 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1536181788963-J1VCP1YMCM0EKM49I8FM/Mortgage+Free.png News - Become Mortgage-Free Faster! https://www.mmgmortgages.ca/news/2018/9/5/renewing-your-mortgage monthly 0.5 2018-09-05 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1536181449313-JRBSKFSTNWWD5N1BYIG8/Renewal+Options.png News - Renewing Your Mortgage https://www.mmgmortgages.ca/news/2018/8/20/mortgage-types monthly 0.5 2018-08-20 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1534785954127-UVGUKS5AGDOARJ47HC3M/Mortgage+Options.png News - Mortgage Types https://www.mmgmortgages.ca/news/2018/8/15/life-in-calgary-mmg-mortgages-takeover monthly 0.5 2018-08-15 https://www.mmgmortgages.ca/news/2018/8/8/the-annex-kensington monthly 0.5 2018-08-08 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1533758321350-P9CC9LEFKY7R42MMY86O/IMG_2225.jpg News - The Annex Kensington https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1533758322187-41LFMN1D1XTI34A73VJ2/IMG_2227.jpg News - The Annex Kensington https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1533758340715-I874JZGVFMOH0MWUXWQX/IMG_2226.jpg News - The Annex Kensington https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1533758342115-5KDMDCYH9NOGXR5RIRA3/IMG_2229.jpg News - The Annex Kensington https://www.mmgmortgages.ca/news/2018/8/8/lszoipzfzkt3jqv9win094uya96y0t monthly 0.5 2018-08-08 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1533757854478-C5NY2LROE6MES0EFTDAB/MMG+Flex+Down.png News https://www.mmgmortgages.ca/news/2018/5/9/344-7-year-fixed-rate monthly 0.5 2018-05-09 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1525896866979-22C6R31MO1JRD47QMWQV/7+Year+Fixed+Rate+3.44%25.png News - 3.44% 7 Year Fixed Rate! https://www.mmgmortgages.ca/news/2018/5/4/another-happy-mmg-client monthly 0.5 2018-05-04 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1525460560526-C5ANDD8SUJQ7WR1M9OGW/Testimonial+%281%29.png News - Another Happy MMG Client! https://www.mmgmortgages.ca/news/2018/5/1/cornerstone-homes-at-artesia-grand-opening monthly 0.5 2018-05-01 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1525208182297-H20PZWCWUWC3N6VTWJTD/Cornerstone+at+Artesia%2C+Grand+Opening.png News - Cornerstone Homes at Artesia, Grand Opening! https://www.mmgmortgages.ca/news/2018/4/12/the-annex-in-kensington monthly 0.5 2018-04-12 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1523554013521-1R1PHY2WE3KYWDCFU7F3/theannex.jpg News - The Annex in Kensington https://www.mmgmortgages.ca/news/2018/4/12/build-your-empire monthly 0.5 2018-04-12 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1523553816021-JHKG6IDPHYRD9LE1JRLC/buildyourempire.jpg News - Build Your Empire https://www.mmgmortgages.ca/news/2018/4/9/wse7qobrmta2fbylgm8fb4bimrrpfn monthly 0.5 2018-04-09 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1523304006168-IKC6AAAQFT6IJSETMIXP/CHIP+Mtg+Ad+%282%29.png News - Benefits of a chip mortgage https://www.mmgmortgages.ca/news/2018/4/9/purchase-plus-improvements monthly 0.5 2018-04-09 https://www.mmgmortgages.ca/news/2018/4/9/how-to-do-a-flip monthly 0.5 2018-04-09 https://www.mmgmortgages.ca/news/2018/4/9/lock-in-your-rate monthly 0.5 2018-04-09 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1523293335956-9KRFK2DVUX8ERKXVLTVT/LockInYourRate+%281%29.png News - Lock in Your Rate! https://www.mmgmortgages.ca/news/2018/1/24/mortgage-renewals monthly 0.5 2018-01-24 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1516824000137-CX701MJRAWYHLCSTCAKY/Mtg+Renewal+Reminder.png News - Mortgage Renewals https://www.mmgmortgages.ca/news/2018/1/24/mmg-social-contract monthly 0.5 2018-01-24 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1516823604584-EV5CI7ZAYCWE8NMDXPZJ/MMG+Social+Contract+Final+%281%29-png.png News - MMG Social Contract https://www.mmgmortgages.ca/news/2018/1/24/interest-savings monthly 0.5 2018-01-24 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1516823281077-7UFOD6IN2JFJPNNBOCE9/Interest+Savings.png News - Interest Savings https://www.mmgmortgages.ca/news/2018/1/24/draw-mortgages monthly 0.5 2018-01-24 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1516823071822-ZQ2TA3WOKKVI7KW3UF23/Draw+Mortgages+%282%29.png News - Draw Mortgages https://www.mmgmortgages.ca/news/2018/1/24/cost-of-mortgage-broker monthly 0.5 2018-01-24 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1516822869839-3E7A8DE77QPLHT96H67I/Cost+of+Mortgage+Broker.jpg News - Cost of Mortgage Broker https://www.mmgmortgages.ca/news/2018/1/24/challenged-credit monthly 0.5 2018-01-24 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1516822248950-NEBCRBM4YK372FM7EC7T/Challenged+Credit_.png News - Challenged Credit? https://www.mmgmortgages.ca/news/2018/1/22/x91ic2jin5fgxvwiwulb3youn0f5tk monthly 0.5 2018-01-22 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1516646938662-E423WYSVBMV9GO4F2F2Z/Rate-Increase-.25-final.png News - rate increase https://www.mmgmortgages.ca/news/2017/3/7/mortgages-are-complicated-we-can-explain-it-all monthly 0.5 2017-03-07 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1488905176584-QVEUIUQDJEBMVF1WEERF/image-asset.jpeg News - Mortgages are complicated – we can explain it all! https://www.mmgmortgages.ca/news/2017/3/7/community-key-home-garden-show monthly 0.5 2017-03-07 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1488905139182-M74EPW288T4JUZVYA6KI/image-asset.jpeg News - Community Key – Home & Garden Show https://www.mmgmortgages.ca/news/2017/3/7/f7ksvi7vo9eu1usyavhd23vfv1smts monthly 0.5 2017-11-06 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1488905088244-QXHSGPWSEMTZFK6G1R0R/image-asset.jpeg News - Follow your dreams! https://www.mmgmortgages.ca/news/2017/3/7/never-too-early-to-learn-the-mortgage-biz monthly 0.5 2017-03-07 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1488905063365-0L43VBF536J5IR49UFBH/image-asset.jpeg News - Never too early to learn the mortgage biz! https://www.mmgmortgages.ca/news/2017/3/7/what-does-your-credit-score-mean monthly 0.5 2017-03-07 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1488905032181-DDXDLGZUXV7RU7H3799S/image-asset.png News - What does your credit score mean? https://www.mmgmortgages.ca/news/2017/3/7/mortgage-premiums-increase-coming monthly 0.5 2017-03-07 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1488904993230-TX1DUAQL2LTDOBXGF972/image-asset.png News - Mortgage Premiums – Increase coming https://www.mmgmortgages.ca/news/2017/3/7/new-yearnew-home monthly 0.5 2017-03-07 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1488904955828-GG88FMCCMDM4V5O9V9R5/image-asset.jpeg News - New Year….New Home? https://www.mmgmortgages.ca/news/2017/3/7/client-testimonial monthly 0.5 2017-03-07 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1488904920184-M2P6O9E5VFEKMQ2PXYJ1/image-asset.png News - Client Testimonial https://www.mmgmortgages.ca/news/2017/3/7/make-this-monday-great monthly 0.5 2017-03-07 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1488904886656-7Y9T7Y5QJ6925PG9KZ28/image-asset.jpeg News - Make this Monday great! https://www.mmgmortgages.ca/news/2017/3/7/mmgs-new-mortgage-calculator monthly 0.5 2017-03-07 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1488904853991-SYC1WGK54CIMP5WE1RQK/image-asset.png News - MMG’s New Mortgage Calculator! https://www.mmgmortgages.ca/home daily 1.0 2026-03-26 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/6c187050-1121-4302-b231-149ed1c4c6bd/Fixed+variable+03-23.png Welcome - MMG Mortgages https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1612382219111-54YOADW9MZUALTGGLS2M/Mortgages%2BMade%2BEasy.jpg Welcome - MMG Mortgages https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/8181840b-3d95-4d47-8803-b202a6b87ea6/Facebook+2021+Mortgage+Awards+of+Excellence+WINNER%21+Alberta+Brokerage+of+the+Year+%284%29.jpg Welcome - MMG Mortgages https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1590103060743-QA24PHY2MXJD1GGEO8ZT/R+C+C+L.png Welcome - MMG Mortgages https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/d00041df-c35b-49a9-be00-9cec0eb83abf/MMG_Office_Jan2022_FINAL+004+webres.jpg Welcome - MMG Mortgages https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1612377718332-9U4MVQQHNSS0W0MYCWR5/banks.jpg Welcome - MMG Mortgages https://www.mmgmortgages.ca/new-events-1 daily 0.75 2022-10-19 https://www.mmgmortgages.ca/team daily 0.75 2026-03-31 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/e1bf19ad-9897-4c3f-91b4-7c20421a2d23/MMG_Office_Jan2022_FINAL+027.jpg Team | https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/e938d006-e97a-4b1a-b7c3-692f7edd0d98/MMG_Heather%2BJacki_Feb2022_FINAL+001+webres+%281%29.jpg Team | - Jacki Harris Managing Partner - Mortgage Broker Prior to starting MMG Mortgages in 2013 as a partner and mortgage broker, Jacki was with a top Canadian Mortgage brokerage and an Alberta based financial institution. While there she created a network of trusted industry professionals as well as a strong understanding of mortgage lending practices. Whether a first time buyer or clients building their dream home, Jacki has the experience and knowledge to ensure you choose the right financing to suit your needs. Before entering the mortgage business, Jacki spent 7 years in the accounting/business industry in various roles from company controller to running her own business. This strong financial background allows her the ability to better provide advice and service client needs when seeking new or renewed financing. jacki@mmgmortgages.ca 403-465-0740 LinkedIn Click here to access my calendar and book a meeting! https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1583169801059-VYTUJX4GP4RD4RED5PTA/MMGMortgages_Team_FINAL+002.jpg Team | - Heather Manna Managing Partner - Mortgage Broker With over 20 years dedicated to the mortgage industry, Heather is an active Mortgage Broker and Managing Partner of the brokerage. Heather’s experience, knowledge and expertise in all types of residential, construction and commercial financing can help lead the way to a seamless mortgage transaction. Having worked with both a leading mortgage brokerage and a financial institution in her career, she is known to be creative in unique types of financing structures including self-employed applicants, construction and draw mortgages, investment financing and acreage and infill projects. Heather was born and raised in Calgary and has developed deep roots in the community. She is licensed in both Alberta and B.C. and is known as a key player with the New Home Construction industry and with Real Estate professionals. She is a member of many focus groups, committees, and organizations within the industry and in 2022 assisted with the rewrite of the Alberta Mortgage Agents Exam and the Alberta Real Estate Exam. Aside from being an active mortgage broker Heather has a passion for teaching and training other mortgage agents and has won numerous awards in the industry. She has been recognized as a top producer and is well known and respected by colleagues and business partners with a reputation as a trend-setter with a passion for building awareness and consumer confidence within our industry. heather@mmgmortgages.ca 403-401-5040 LinkedIn https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1574200097123-XS36LEJDK6WSZOQTY2V8/Julie+Picture.png Team | - Julie Manna Mortgage Agent Operations Manager Julie grew up in a military family, and she moved around frequently. She was fascinated watching her parents search for a new home with each posting, and this began her passion for the industry. Being involved in the Real Estate market in both Calgary and Edmonton, she knows how daunting it can be purchasing a new home, so she strives to ensure the financing aspect is as seamless and stress-free as possible. Her excellent communication, attention to detail and respect for her clients ensures that their financing is as straight forward as possible. Julie values all the relationships that she builds and goes the extra mile to ensure you understand your options and match you with the best mortgage product to meet your needs. Julie started working in the banking industry in 2004 and worked her way up through the financial institution while pursuing her accounting designation. She obtained her CGA designation in 2011 and worked in many different areas of Finance and Accounting before joining MMG. Julie’s strong finance background ensures that she can advise and match her clients with the best mortgage products for their unique needs with ease. When Julie’s not working you can find her outside enjoying the city, playing hockey or heading away from the hustle and bustle of the city to enjoy some quiet time with her family. 403-818-8403 mortgages@juliemanna.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/f93053c3-fee6-4db6-b4cc-724115b7945b/Krystle+Headshot.jpg Team | - Krystle Deck Business Development and Chaos Coordinator Krystle has always dreamed big and empowered people to discover their potential within themselves. With a passion for the integration of leadership, business and customer service, she has been fortunate enough to combine these skill sets throughout her career in Real Estate and is excited to now transition them into the Mortgage world. With strong personal values of honesty, respect and integrity - her goal is to foster long-term relationships with clients and partners built on confidence and trust. Krystle has lived most her life in Calgary and has developed a strong love for community volunteering. Besides going above and beyond for her clients, Krystle enjoys playing competitive soccer, hiking the beautiful mountains and spending time with her family. 403-923-1454 krystle@mmgmortgages.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/635fc805-a59a-411b-b202-bff02e42ff29/ElyseRattee_Mar2023_FINAL+001.jpg Team | - Elyse Rattee Client Care Manager Elyse is a Client Care Manager that strives to provide personalized and positive experiences for clients throughout the entire process of working with MMG. Acting as a liaison between underwriters and clients, she leads with relationship building, organization, and communication skills to create the perfect solution for the client. Born and raised in Calgary, Elyse enjoys spending her free time practicing yoga, exploring outside with her rescue dog, Jax or curling up on the couch with a good cup of coffee. She loves to travel which prompted her career start in hospitality management and plans to check off many more destinations on her bucket list! 403-807-0458 elyse@mmgmortgages.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/3203d16f-2e36-4147-87a3-0686b282bbc4/AliciaMMG_Mar2024+001.jpg Team | - Alicia Harrison Operational and Administration Support With 6+ years in the mortgage industry and a combined 15 years in the non-profit sector, Alicia is a true Client Relations Expert who's professional history has demonstrated superior client care and extensive experience in administrative, collaborative and supportive roles. Alicia prides herself on being customer driven, while understanding that being a part of a successful, dynamic team means cultivating and stewarding meaningful connections with clients. colleagues and industry partners. She leads with kindness, compassion, a keen eye for detail, solution-based problem solving and an unwavering sense of humour. Alicia is fueled by the knowledge that she is making a positive difference in the lives of others and finds genuine fulfillment in recognizing that she is playing an integral part in making clients' home buying dreams come true. In her downtime - Alicia has always been passionate about animal welfare. Her and her family have fostered numerous rescue animals from dogs to birds to rabbits. She also loves camping, singing (mostly badly while driving alone in her car) and has recently discovered her love of golf. 403-710-6262 alicia@mmgmortgages.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/4c6c3f1e-b7e3-4c4a-b854-71ce4fea3c4a/AmyRogers_Oct2023_FINAL+001.jpg Team | - Amy Rogers Underwriting Manager Mortgage Broker Amy’s 20+ years of experience in the mortgage industry plays a crucial role in providing fast, competent, and accurate services to her clients. Her experience is vast which truly adds to her diversity. Her excellent problem-solving skills ensure a quick turnaround time for getting your mortgage in place. Amy likes to make sure that clients are placed in the right mortgage product that will suit their needs. She loves to deal with first time homebuyers as it’s such an exciting time in their life and of course enjoys being a part of making their dreams come true. Not ready to purchase yet? Amy will assist you with the steps and advice to get you to the point where you are ready, by assisting you with your home buying plan. Amy has received several awards over the years for top mortgage closings and insurance sales. She takes a lot of pride in what she does and wants to make sure your financing is smooth and stress free. Being from Nova Scotia, Amy’s easy-going personality will ensure you have a great experience with one of the largest transactions of your life! In addition to mortgages, she is passionate about health and wellness, always furthering her education in various healing modalities. She not only holds the position of Full-Time Underwriting Manager at MMG but is also a Mortgage Agent, Yoga Teacher, Reiki Practitioner, Emotion Code Practitioner, Clinical Aromatherapist, and is passionately dedicated to the practice of Cold Dipping. amy@mmgmortgages.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1615484968290-KLVE9LIO52FU6LG5W85V/Head+shot+-+Online+Web+Resolution.jpg Team | - Kim Fontaine Underwriter Kim has over 13 years experience in the mortgage industry. Kim finds fulfillment in helping people realize their dreams of home ownership, from first time homebuyers to seasoned homeowners. From mortgage underwriting to brokering her own deals, Kim has done it all, while never sacrificing her integrity or commitment to ensuring a seamless home buying experience for each and every one of her clients. With her friendly approach and attention to detail, Kim's clients can be assured that they will be placed in the mortgage product that is best for them. In her spare time Kim has always been an athlete - with a passion for physical fitness. From coaching ringette to boxing, cycling and rowing Kim strives to stay active and try new things. kim@mmgmortgages.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/b0f84078-1c8c-4a46-a3cf-f354d0bd49c3/MerimaMMGMortgages_Winter2021_Profile_FINAL+001+webres+%281%29.jpg Team | - Merima Prijic Underwriter Merima has been in the financial industry since 2008 and delivers a wide range of expertise regarding your mortgage needs. With so many years of experience under her belt, she thrives with complex mortgage situations using her problem solving skills to ensure a smooth transaction. Having worked at different leading brokerage companies, Merima has a highly refined skill set, and has had many mentors over the years to shape her into a detail oriented, and honest mortgage associate when dealing with her clientele. She strives to give her clients the best mortgage options she can offer, and ensures that their needs are always being met. Regardless of your situation, Merima aims to provide efficient and friendly service to all her clients to make this process as seamless as possible. Being born in Bosnia and coming to Canada as a child, Merima is understanding of the barriers when trying to understand a foreign market. Because of this, she is able to relate and really spend time with each client to ensure they are informed of the whole process. Merima has spent most of her life now living in Calgary, and loves spending her free time in the outdoors and with her two sons, husband and dachshund. She enjoys traveling, hiking, and scuba diving. Spoken Languages: Bosnian, Serbian and Croatian merima@mmgmortgages.ca Unlicensed Assistants for Merima: Dario Miklausevic https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/48b73a7e-e509-49da-9538-4e5a35069da6/SharonMMG_Profile_Apr2022_FINAL_Edit+001_.jpg Team | - Sharon Tokarchuk Underwriter Sharon has spent 8 years in the industry underwriting and assisting on mortgages. Recognizing that mortgages are not a one-size-fits-all scenario, she relies on her solid knowledge on individual lender policies to get your mortgage approved. Organized by nature, Sharon strives to guide you smoothly through the mortgage process and help you achieve your end of goal of owning a home. Married for 25 years with 2 teenagers, she spends her spare time watching movies and enjoying the outdoors with her family and her boxer. And yes she has blue hair! sharon@mmgmortgages.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1574199573246-GY7KHQOL7SSTZFAGR7VT/MMGEVENT_PROFILE_FINAL+011.jpg Team | - Lindsay Dubé Executive Coordinator/Underwriter Lindsay came to MMG in 2016 with over 10 years of customer service experience. She fills a vital role at MMG, working directly with the team to ensure smooth, easy mortgage transactions for our clients. As executive coordinator, Lindsay directly supports MMG’s senior management to support business functions and overall operations. She acts as a liaison between clients, team members and the executives - addressing inquiries, facilitating meetings and planning and implementing projects. Also a mortgage underwriter, Lindsay works directly with our clients, brokers, lenders, realtors, builders, and lawyers. She assists clients with their financing needs and qualification, document requirements, and ultimately getting their files through to the finish line. Being born and raised in Calgary gives Lindsay the added insight to our local real estate markets, which really adds support to our real estate agents, home builders, customers and business partners alike. 587-617-5818 lindsay@mmgmortgages.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/730a8ab0-7522-48eb-b3b0-f35bfe4cb2ff/Rachel+Headshot.jpg Team | - Rachel Krebs Unlicensed Underwriter With a solid background in mortgage underwriting, insurance, and conveyancing, Rachel brings a wealth of knowledge and a keen eye for detail to her role as a Mortgage Underwriter. Passionate about guiding clients through the mortgage process smoothly, Rachel ensures that each step is clear and understandable, empowering clients to make informed decisions with confidence. Committed to continuous personal and professional development, Rachel actively pursues ongoing education to stay up to date with industry trends and regulations, ensuring top-quality service for every client. Her thorough approach and attention to detail allow her to navigate various underwriting scenarios with precision. Outside of work, Rachel enjoys spending time in the great outdoors, cooking, and enjoying time with family & friends. 236-985-1904 Rachel@mmgmortgages.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/4af510bf-c611-4142-b2b4-bb1a6a9ebb61/MMGMortgages_TeamProfile_Feb2022_FINAL+015+webres.jpg Team | - Deane Thomas Mortgage Agent Deane’s passion lies in being able to help people find a ‘perfect fit’ mortgage for their financial and personal needs. He prides himself on putting in a dedicated effort to maintain extensive knowledge of the range of products available at all Lenders, so that he can get the best possible deal for his clients! He understands that buying a new home can be both exciting and daunting and really aims to make it easier, smoother and less stressful for his clients. He aspires to support them through the process and achieve the mortgage they need through his personal commitment to every Client. He has a unique passion for assisting ‘New to Canada’ clients, as he himself knows how daunting this can be for newcomers with him and his family emigrating a few years ago. He also has an aptitude for assisting Medical Professionals to get the unique benefits they can achieve with financing and has shown a superb success rate in this area. Deane also brings with him extensive experience & knowledge in both Residential and Commercial Real Estate, as he was a Top Real Estate Agent nationally for over 11 years in South Africa. This achievement, he believes, is born from his heart for people, in caring about what they want, truly listening to their needs and doing his absolute best to achieve the best outcome for them. It is no surprise, then, with his passion, motivation and heart for his clients, that he is already achieving fantastic things in the Mortgage Industry after only a few years. Deane is a committed proud husband and loving dad to two wonderful kids. Spoken Languages: Afrikaans mortgage@deanethomas.ca Unlicensed assistants for Deane: Nhung Tran https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/84ccd6e5-b330-402f-87e3-4beb29ca88d0/MMGMortgages_Team1_Mar2022_Profile_FINAL+008+webres+%281%29.jpg Team | - Scott Thomson Mortgage Agent Scott has spent a close to a decade in the mortgage industry. He has a strong determination to stay on top of an ever evolving industry. His ability to connect with each of his clients has helped him become a leader both in the mortgage arena and in his community. Scott is a devoted husband and father who enjoys travelling and live music in his free time. scott@scottsmyguy.com Licensed Assistant for Scott: April Stokes Unlicensed Assistant for Scott: Heather Lueck, Anthony Wong & Kirk Stokes https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/4d07c87b-728a-4250-bf31-fa3efd00ebee/MMGMortgages_TeamProfile_Feb2022_FINAL+005+Jess.jpg Team | - Jessica Blaney Mortgage Agent Jessica is proud to say she is a born and raised Calgarian and still calls Calgary home today. Jessica grew up in an entrepreneurial family where discussions about honesty, integrity and communication were common place had a huge impact on her career. After graduating university, she started working her way up the corporate sales ladder, purchased her first home and started her family. Jessica and her husband have often had a rental property or two in their portfolio and Jessica’s interest in real estate had grown deeper over the years. After many successful years in corporate sales, and with her son and two step daughters now into their teenage years, Jessica had the opportunity to make a major career change. It was at that time that Jessica’s completed the requirements to become a licensed mortgage professional and she hasn’t looked back! As a wife, mother and home owner, Jessica knows that there is no “one size fits all” mortgage. She believes honesty and integrity are the keys to providing a simple and stress free experience. Jessica listens to what is important and goes the extra mile to find the best mortgage financing solution for her clients. mortgages@jessicablaney.ca Licensed Assistant for Jessica: Raj Dhillon Unlicensed Assistant for Jessica: Mackenzie Pittman https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1596135169704-GDQT9AUYBVYG8OKGW0B5/Wreena.jpg Team | - Wreena Hadden Mortgage Agent Wreena was born in Calgary and raised in the surrounding areas she became a licensed mortgage professional in 2015. As a licensed agent and mortgage underwriter, Wreena brings a wealth of knowledge in the ever-evolving industry. Wreena is incredibly dedicated to her clients and to helping them achieve their mortgage and financial goals. She prides herself on assessing situations and working promptly to resolve any issues to make the process as seamless and stress free for every client. Known for being personable and accommodating, Wreena’s charm and overall great attitude ensures each of her clients have an enjoyable mortgage financing experiencing. Wreena is a master at putting her clients at ease and excels at helping people navigate even the most stressful times. For example, Wreena has found a niche in helping those navigating separation and divorce and all while keeping the process fun and positive. Wreena is known for her creative mind and out of the box thinking in finding as many options as possible to get her clients the perfect financing that best suits their needs in areas such as New to Canada, Self Employed individuals, First time home buyers. When Wreena isn’t working for her clients, she loves spending time in the mountains with her family and being out on her motorcycle. wreena@haddenmortgages.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/cb160806-c9c8-4104-b44c-dfe6a16a772b/SPIRE_Profile_FINAL+002+webres.jpg Team | - Lindsay Labrecque Mortgage Agent Lindsay is absolutely unsinkable. She loves breaking barriers and removing obstacles. That’s part of what makes her so unique—Lindsay’s not just a mortgage agent; she’s a coach. She’ll build you up and craft a plan to help you hit your goals. Lindsay believes in your dreams, and more importantly, she believes in you. As Lindsay puts it, "Real estate was a tangible asset that I could control." And that's precisely what she does for her clients - puts them in control. With Lindsay on your side, you'll be empowered to make the right choices and achieve your goals. When she's not working her magic in the world of mortgages, you can find Lindsay hitting the squash courts in the winter or surfing and waterskiing in the summer. She's married to the most patient man alive and has two wonderfully spicy children. If you're looking for a mortgage agent who's more than just a transactional partner, Lindsay is the one for you. With her on your team, you'll feel like you can conquer the world. So what are you waiting for? lindsay@propelmortgage.ca Unlicensed assistant for Lindsay: Lynsy Chow https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1598467112227-QNXGFPZ23DLYG2J4MZ4O/Cali_MMG_Profile_FINAL+001.jpg Team | - Cali Seitz Mortgage Agent When Cali bought her first home, she had no idea that it would lead her down a career path as a Mortgage Broker. Working on her own deal, it identified the perfect mix of passion for the housing industry, thinking outside of the box, and crunching numbers. It was a match made in career heaven! Cali’s background is in marketing and project management with two successful marketing businesses under her belt, she has over 15 years of customer service and marketing experience. A Calgary native, her network has a strong foundation that has been the backbone of her success running her own businesses. Known for her contagious positive outlook, Cali takes away the stress of looking for the right mortgage product by asking the right questions, listening and identifying your needs for the long term. Whether your priorities are cost to purchase, speed or flexibility, Cali will find the right fit for you and answer all of your questions! In her spare time, Cali can be found in her cowboy boots dancing up a storm or at her cabin chasing the sunshine! Spoken Languages: French apply@calimortgages.ca Unlicensed assistants for Cali: Nhung Tran https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/fd926272-c81f-4b22-a409-a85e3e6a3a00/MMGMortgages_Team1_Mar2022_Profile_FINAL+013+webres+%281%29.jpg Team | - Kyle Hoffert Mortgage Agent Kyle’s roots are planted firmly here in Alberta. Having grown up in the Peace region, as well as living in both central and southern parts of the province at times, he’s become familiar with every corner of Wild Rose Country. After spending many years in Alberta’s energy sector, Kyle made the decision to break out of the industry and pursue a career in mortgage brokering. He understands that everyone’s financial circumstance is unique, making his goal with every client to treat them and their situation as if it was his own personal home purchase. Kyle’s passion lies in educating home buyers and ensuring that his clients understand and are satisfied with every aspect of their desired mortgage product. He believes that buying a home or property should be an exciting experience and will make every effort to make the home buying process as seamless as possible! When he’s not qualifying clients and learning every corner of the ever-changing Industry, he’s likely to be found working on his golf game or testing his limits on the side of a mountain. mortgages@kylehoffert.com https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1614214844029-FCNW7Y3HQLA94066B1R3/MMG_KennyVollet_Profile_FINAL+001+webres.jpg Team | - Kenny Vollet Mortgage Agent Kenny joined the Real Estate industry in 2014 as a licensed real estate agent. Kenny has excelled in his career with developing relationships and helping to meet the needs of his clients. Shortly after entering the real estate industry, Kenny advanced his studies to obtain his Mortgage license. He prides himself on always going above and beyond for each client and helping to educate them along the way while ensuring a stress free, enjoyable experience. A born and raised Calgarian Kenny now resides in Airdrie with his beautiful wife, son, and daughter. During his downtime you can find Kenny on the golf course, hitting the slopes on his skies or enjoying his time playing with his kids. He loves to travel with his wife; Vegas being one of their favorite destinations, watching his New Orleans Saints on Sundays and telling clients YOU’RE APPROVED! Kenny@mmgmortgages.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/0322f075-3af8-4fe8-9fb0-b56bd4c908aa/AslamK_May2024+001.jpg Team | - Aslam Khan Mortgage Agent Prior to starting MMG mortgages as a Mortgage Associate, Aslam has over 13 years of experience in the banking industry, having had various roles within the industry itself. Aslam has a strong financial background and knowledge in the mortgage industry. During his banking career, Aslam has helped many clients to achieve their financial goals whether they are first time home buyers, repeat home buyers or refinancing their existing properties. He is also able to speak other languages such as Urdu, Hindi, Punjabi and Pushto, making communication between him and his clients much easier if they are new to Canada. Spoken Languages: Urdu, Hindi, Punjabi and Pushto akhanmortgages@outlook.com https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/5d368fd2-533f-49d7-8603-b439b15bba8f/DanielCryderman_Aug2022_FINAL+001+webres.jpg Team | - Daniel Cryderman Mortgage Agent Dan comes to the Mortgage Industry with well over a decade in New Home Sales, helping many people move into their dream homes. This has helped to form a comprehensive understanding of the process, especially through the eyes of the home purchaser. It can be difficult to navigate your way through purchasing a new home, and Dan has always taken pride in supporting clients through the entire process. When not helping people with their financing questions and mortgages, Dan enjoys golfing, travelling, and spending time with his wife Robin and their three-year-old son Noah. They are also excited to be welcoming a baby girl to the family soon. dan@dcmortgages.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/b00f97b9-d8ba-4b2d-b93e-0cec132b2342/Shannon_Turnbull+Headshot+Resize+%281%29.jpg Team | - Shannon Turnbull Mortgage Agent With 25 years in the financial services industry and labeled as a Top Performer and recipient of The Ambassador’s Award, I am ready to work directly for you! After working for many years at a major chartered bank I often had to turn away clients that were not qualifying for mortgages due to their profiles just slightly falling outside guidelines. I began to realize that I wanted to help all clients obtain a mortgage. As a broker I can shop for the client’s best option based on their individual scenario! I have lived or worked in the Caledon, Ontario area for the last 42 years and spent most of my career working in the Greater Toronto Area. I still appreciate the "small town" ideal of customer service. I have now moved to a 3-acre country home which is amazing. My definition of success is a satisfied client! Both experienced and professional, let me bring the right mortgage to you! Spoken Languages: Spanish shannon@turnbullmortgages.com https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/f6ed61a9-7efe-41ce-94c2-feed10424686/JessicaYip_Oct2022_FINAL+001-Edit+webres.jpg Team | - Jessica Yip Mortgage Agent Jessica began her career in wealth management and financial services. With 9 years of financial experience, she decided to pursue a career in mortgages. She recognizes that clients have unique needs and often require more than what the major banks can accommodate. She is passionate about financial literacy and loves educating her clients, so they have confidence in their financial decisions. Her education and background give her the ability to capture a client’s complete financial picture, providing the best mortgage solutions for each client. Outside of work, Jessica is dedicated to giving back to her community. She is a long-time mentor with Big Brothers Big Sisters, a non-profit organization that focuses on positive role models for youth in Calgary and area. During her down time, you can find her trying new restaurants with her fiancé, or out for a walk with their rescued dog, Lewie. Spoken Languages: Cantonese jess@jessyip.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/dc01d081-5692-42dc-b3c1-d71617b5ace7/MMGMortgages_Team2_Mar2022_Profile_FINAL+002+April.jpg Team | - April Stokes Mortgage Agent April was in the customer service industry for 20+ years before making a career change to the mortgage industry. Her foundation started as a document specialist and client care manager, where she spent time learning from the ground up. This experience gives April a strong understanding of the documents and approval process, which helps set her clients up for a positive experience. April is excited to combine her expertise in client care and knowledge of mortgages to help her choose the right product to suit each client's needs. April will go the extra mile to ensure a seamless process with honesty and integrity. She believes obtaining a mortgage should be done with care and concern for each client and their unique requirements, with customer service as a priority. I’m her downtime, April loves travelling, live music, and spending time outdoors with her husband Kirk and their dog Barkley. april@stokesmortgages.com Unlicensed Assistant for April: Kirk Stokes https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/b682eca5-275a-4ae3-b75e-3bd84f7d8d9c/MarkEddy_Jan2023_REVISED+001+webres.jpg Team | - Mark Eddy Mortgage Agent Mark’s passion for helping people has led him to the mortgage industry. With over 16 years of experience as a fitness professional, he understands the importance of creating a customized plan to achieve one’s goals. Mark has the unique ability to adapt to each client’s specific needs, and provide a framework for success. He is excited to utilize these skills to help individuals obtain the financing they need. Outside of the mortgage industry, Mark is a certified personal trainer and devoted father. He enjoys exploring anything fitness related, is a passionate sports fan, and loves spending time with his friends and family. Mark is excited to help you get started today! mortgages@markeddy.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/e8602b88-ca0b-4d1a-b22a-274952a8750f/Colette+headshot+Updated.jpg Team | - Colette Patry Mortgage Agent Colette comes to MMG with over 2 years of experience with mortgages and 3 years with a conveyancing background at a local Law Office. Colette was born and raised in a small town and is eager to continue helping current clients as well as gaining the trust of new ones. She loves the whole process of the new purchase and loves helping the first-time home buyers! If she wouldn’t suggest it for herself or her children, she won’t suggest it to you. She prides herself on always putting her clients first and having their best interest at heart. In her free time Colette can be found with her 3 children. She enjoys spending time with family and friends in the outdoors, hiking, and the gym. mortgages@colettep.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/80610aee-cfb9-457d-a688-a6c38f7d4c10/Ryan+MMGMortgages_Aug2023_FINAL+005.jpg Team | - Ryan Steele Mortgage Agent Ryan is a born and raised Calgarian and still calls Calgary home. Growing up in Alberta Ryan worked in hospitality, construction, sales and now has found a career as a mortgage agent. Ryan understands that every family's situation is different, and everyone's goals are unique to their own life story. He chose to enter the mortgage industry to help as many people as possible make owning their first home or dream home a reality. He recognizes that purchasing or refinancing a home or investment property is a lot to fit into people's already busy schedules and clients are looking for an agent they can trust. Ryan prides himself on being organized and ensuring the process is as smooth as possible from start to finish. In his spare time Ryan loves to remain active either at the gym, hiking, camping/backpacking or just spending time in the mountains. If he isn't on the move, you'll find him at home enjoying time visiting with family and friends. ryan@steelemortgageltd.com https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/144314ce-b655-499b-b54d-5a5c8e97a8d1/Julie_Sept2023_FINAL+001.jpg Team | - Julie Gow Mortgage Agent Julie appreciates that every individual situation is unique, so you deserve mortgage options that are best suited to you and your objectives. She is committed to guiding and educating her clients through these options so that they feel empowered to make informed decisions. When not working, Julie loves spending time with her husband and kids, hiking in the Rockies, and snuggling puppies/volunteering with a local animal welfare organization. julie@gowmortgages.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/3d674d7f-2015-4453-a3d3-29e783289c11/hayley+headshot.jpg Team | - Hayley White Mortgage Agent Hayley has a deep level of commitment to her clients achieving their goals in an ever-changing real estate and financial market. With 13 years of experience in healthcare and 10 years of experience in customer service she has always been client focused. Following her personal home buying journey, she knew this was the industry for her! Based out of Kelowna, B.C., but having lived all over western Canada, she knows the beauty and prosperity this side of the country has to offer. With her extensive knowledge of the mortgage industry, she will be able to help you find the best mortgage products to meet your unique needs. hayley@mortgagesnow.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/897b882c-583f-4f9d-a459-b70fb73db3ca/DorianReeves_Jan2024+001.jpg Team | - Dorian Reeves Mortgage Agent With a background rooted in hospitality and business development, Dorian has honed his talent for creative problem-solving and adeptly navigating interpersonal relationships under timelines and pressure. This unique skill set seamlessly translates into his role as a Client Liaison, where he dedicates himself to creating a supportive and welcoming environment for homebuyers. Dorian, originally from Sherwood Park, ventured to Calgary in 2021 to pursue his passion for corporate photography. He actively seeks skill development and self-improvement. Whether working on his golf swing, getting out on his bike, or enjoying a round of tennis; Dorian maintains an active and well-balanced lifestyle, embodying a commitment to ongoing personal growth. Beyond making the home-buying experience approachable, he aims to provide the right resources and guidance. Dorian acknowledges that mortgages are not a one-size-fits-all situation, so he tailors his approach to meet the unique needs of each individual. Dorian is eager to connect with you via phone or email in regard to any questions you might have! 587-575-6362 dorian@mmgmortgages.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/88f47549-3ac0-45c7-81a8-da6fcf684c5a/Satya+Headshot+2024.jpg Team | - Satya Meenavalli Mortgage Agent Satya is a mortgage associate specializing in transforming the homeownership journey into a seamless and rewarding experience. Passionate about helping individuals and families secure the keys to their dream homes, he brings expertise, dedication, and personalized attention to every client interaction. He understands that every client's financial situation is unique. That's why he takes the time to listen carefully to your needs, aspirations, and concerns, crafting mortgage solutions that perfectly align with your goals. Satya has a pulse on the ever-evolving real estate and financial markets as a realtor. He offers informed advice and strategic guidance to help you make confident decisions. Your satisfaction is his top priority. From the initial consultation to closing your mortgage, he is committed to providing unparalleled support, communication, and transparency every step of the way. Beyond securing a mortgage, he believes in fostering long-term relationships built on trust, integrity, and mutual respect. Whether you're a first-time homebuyer or a seasoned investor, he is here to be your trusted advisor for all your mortgage needs, now and in the future. Outside work, Satya enjoys playing badminton and spending time with friends and family. Languages Spoken: Telugu mortgagesbysatya@gmail.com https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/bed6c010-15ee-4bf8-8716-8825929f4916/Butch_July2024+001.jpg Team | - Butch Caston Mortgage Agent Before joining MMG Mortgages as a Mortgage Agent, Butch amassed 28 years of experience in the banking industry. Throughout his career, he has held various roles, developing a robust financial background and extensive knowledge in the mortgage sector. Butch firmly believes in providing clients with all the information they need to make informed decisions about the biggest financial decisions of their lives. He is committed to honesty, care, and excellent service for every client, regardless of their circumstances. Beyond his professional life, Butch serves as the President of the Stampeders Alumni Association, dedicated to giving back to the community. He also volunteers as a football coach at Henry Wisewood High School, helping to mentor and guide young athletes. In his personal time, Butch enjoys spending time with his wife Angela, and their sons, Jaden and Dominic. He is passionate about golfing, traveling, and cherishes time spent with family and friends. Giving back to the community, family, and traveling are some of his greatest passions. mortgages@butchcaston.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/fd92f6db-342f-4b33-85e1-1bdc3a8de2ff/Riddhi+Headshot+2024.jpg Team | - Riddhi Ruparel Mortgage Agent Riddhi is a dedicated Mortgage Agent. She is passionate about helping individuals and families achieve their homeownership goals, whether it's buying their first home, upgrading to a larger house, or moving to an acreage. She has a robust background in both finance and the mortgage industry, with experiences spanning from India to Canada. Her MBA in Finance equipped her with solid theoretical knowledge, which she then complemented with practical experience in the mortgage sector. Working with a home builder in Calgary gave her a detailed understanding of the real estate industry, further enriching her expertise. Her combination of academic credentials and hands-on experience positions her well for roles within finance, real estate, or related industries. With her blend of financial expertise, industry experience, and dedication to community, she is committed to providing personalized mortgage solutions that exceed your expectations. In 2015, Riddhi moved to Calgary with her husband, and they now have two wonderful children. In her free time, she enjoys exploring the beauty of the Rocky Mountains and spending quality time with her loved ones. She also has a creative side – She loves making custom cakes that bring joy to special occasions! Let's work together to find your dream property in this incredible area we call home! Languages Spoken: Hindi and Gujarati mortgagewithriddhi@gmail.com https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/08e13e1f-5fa2-4b31-a2b7-bd31dac9e8b7/Jennifer_Aug2024+001.jpg Team | - Jennifer Ryan Mortgage Agent With a background in financial services and branch management totaling over 18 years, Jennifer decided to return to her career in mortgage lending. During her years in the financial industry she has recognized that each clients situation is different and requires solutions often go beyond the scope of what the major financial institutions can offer. She is excited to be able to work one on one with her clients and having the availability to offer these solutions to her clients. Jennifer is committed to providing not only the best mortgage solutions to her clients but also by educating her clients. Her objective is to ensure they have the knowledge and confidence to make well informed financial decisions. With her experience and education in the industry this gives her the ability to review clients current financial situations while incorporating how the mortgage will fit within the clients goals. Originally from the East Coast, Jennifer now resides in Calgary with her husband, daughter and golden retriever. Outside of work you can usually find her doing something soccer related for her daughter either by cheering or volunteering in some capacity. She also enjoys traveling and escaping our winters for a sunny vacation. mortgages@jenniferoryan.com https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/f91da846-0e1f-4596-a301-5f80b8024934/Sandip+Headshot+%282%29.jpg Team | - Sandip Modi Mortgage Agent Originally from Gujarat India, Sandip moved to Canada in 2016 and has extensive experience of 20 years in banking and finance industry including 8 years in Canada. During this time, he developed an in-depth understanding of financial analysis and credit writing processes in Commercial Financing as well as Residential Financing. With his knowledge and experience, Sandip is able to negotiate the best structure and price point for his clients. Sandip speaks multiple languages and is entrepreneurial by nature, he is experienced in helping medium and large-sized enterprises refocus their financial growth goals with prudent advice. During his spare time, he likes to get out and explore new places by trying new restaurants with family and friends, and enjoys playing outdoor sports. commercialsmortgages.ab@gmail.com https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/a4a48349-8ba7-45db-98e8-4f915f5cd74d/Manpreet_Dec2024+001.jpg Team | - Manpreet Kaur Mortgage Agent Welcome to the world of homeownership, where the journey is not just about securing a mortgage but building a foundation for your dreams. Meet Manpreet Kaur, a dedicated mortgage agent whose story is as inspiring as the clients she supports. As an immigrant herself, Manpreet deeply understands the challenges faced by first-time homebuyers. Having navigated those hurdles personally, she is passionate about simplifying the mortgage process, making it clear and stress-free. Her goal is to help her clients secure the best financing solutions that align with their unique needs and timelines. With Manpreet by your side, your path to homeownership will be smooth and fulfilling. Her commitment to personalized service and unwavering dedication make her a trusted partner in helping you achieve your dream of owning a home. mkauryyc@gmail.com https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/03f84e96-a089-4c69-aad0-1ddd32773ecc/Faraz+%281%29.jpg Team | - Faraz Siddiqui Mortgage Agent Faraz holds a Master’s in Commerce with a focus on Finance. He began his career as a Financial Analyst with firms like IBM and the Region of Peel, before transitioning to the mortgage industry in 2007 after obtaining his Ontario license. With over 15 years of experience, currently Faraz is licensed in British Columbia and Alberta and works to offer customized mortgage solutions. Faraz is dedicated to understanding each client’s unique situation to craft innovative and flexible mortgage strategies. Whether working with first-time homebuyers, seasoned investors, construction mortgages for developers or individuals, self-employed individuals, or clients seeking private mortgages, refinancing or secondary home solutions, he ensures a seamless process by negotiating with multiple lenders to secure competitive rates and terms. Faraz provides exceptional service that accommodates clients’ schedules, even outside regular business hours. He’s committed to finding flexible, innovative solutions for clients, negotiating with multiple lenders to secure the best mortgage rates and terms. Helping clients secure the right mortgage is Faraz’s passion and commitment. Languages Spoken: Punjabi, Urdu, and Hindi siddfaz3@gmail.com https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/155347a2-0002-481f-8465-660c4e74e95c/JB+Headshot.jpg Team | - JB Bansoota Mortgage Agent Born and raised in India, JB moved to the USA in 1998 to complete his MBA. In 2005, he relocated to the Okanagan region with his family. Over the next 20 years, JB owned and operated various successful businesses, gaining invaluable experience in finance, customer service, and entrepreneurship. In 2010, he transitioned into the real estate world, where his passion for helping clients achieve their homeownership dreams truly flourished. With over a decade of experience in the real estate industry, JB is dedicated to helping clients navigate the complexities of home financing. JB combines a deep understanding of the mortgage market with a personalized approach, ensuring each client finds the best solution for their unique needs. Whether you're a first-time homebuyer, looking to refinance, or interested in investment properties, JB's expertise and commitment to excellent service make the process seamless and stress-free. Known for his integrity, transparency, and customer-centric approach, JB has built a reputation as a reliable partner in achieving homeownership dreams. In addition to his professional accolades, JB stays updated on the latest industry trends and regulations, offering clients the most current and effective mortgage solutions. Languages Spoken: Punjabi and Hindi jbmtg77@gmail.com https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/2aa782d8-47b9-4885-b7a0-14a038cfbfd2/MMG_Apr2025+001.jpg Team | - Derek Hazel Mortgage Agent For over 25 years, Derek has been advising clients on how to make best use of their money. Since originating his first mortgage in 1999, Derek has developed extensive expertise in banking, financial planning, and mortgage brokering. He has learned that change is a constant variable, and that building financial security & wealth through real estate is a personal finance game changer at any stage of life. Derek is dedicated to educating people about money and how to navigate the dynamic financing landscape. As a passionate advocate for his clients, he delivers personalized mortgage solutions – assisting First-Time Buyers, Investors and Builders alike. Derek ensures that his clients and partners get the best insights possible so that they can make confident financial decisions. A mortgage is more than a debt obligation – it's a financial tool that requires careful management. Derek stresses the importance of strategizing, staying nimble, and making informed choices. He uses illustrations & tools to highlight key aspects relevant to each client’s unique situation. When he’s not working on creative financing solutions or speaking with clients, Derek enjoys conjuring healthy meals, spending time with his wife & daughter, getting outside, and learning something new every day. derekmoneytalk@gmail.com https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/27a90e6b-1963-4f7c-8230-c578499f186d/D___9231SQUARE.jpg Team | - Victoria Hryciuk Mortgage Agent With a strong track record of success in new home sales and a drive to expand her skillset, Victoria transitioned into the mortgage industry as a licensed mortgage agent. She then built her experience at fintech mortgage brokerages, navigating high-volume lending environments. In these fast-paced environments, Victoria gained hands on experience in structuring creative financing solutions and navigating complex lending scenarios. She strives to empower clients throughout the mortgage process, providing guidance to help them make informed decisions that align with their goals. Outside of work, Victoria enjoys travelling abroad and spending time with her 2 daughters and husband. victoria@mmgmortgages.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/3d4d05f0-514f-4a9c-8441-78ef1e65965f/Maroun.png Team | - Maroun Estephan Mortgage Agent For over a decade, Maroun helped clients buy and sell homes across Edmonton, building a deep, practical understanding of how real estate deals come together. He later earned his mortgage broker license to be even better equipped to guide clients from offer to keys - pairing market insight with the right financing strategy. His hands-on experience at the negotiation table—mean clients get clear advice, competitive options, and smooth closings. Whether you’re a first-time buyer, moving up, investing, or building new, Maroun ensures your financing fits your goals and budget. maroun.estephan@gmail.com https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/a92c79f7-ad5d-441b-88fd-a225d0799ea8/Frederic+Headshot.png Team | - Frédéric Nault-Gaumond Mortgage Agent Frédéric is a fully bilingual (English–French) mortgage professional with a strong background in banking, specializing in AML and fraud prevention. This experience has shaped him into a detail-driven, analytical thinker with a commitment to accuracy and integrity. His earlier work in the hospitality industry refined his communication and active-listening skills, giving him a client-focused approach rooted in exceptional service. Deeply passionate about personal finance and real estate, Frédéric is dedicated to helping clients make clear, confident, and strategic financial decisions. He approaches every mortgage file with professionalism, transparency, and the goal of creating long-term financial success for his clients. Originally from Quebec City, Frédéric moved to Calgary in 2017 and quickly embraced Alberta’s lifestyle. Outside the office, he enjoys mountain hikes, challenging outdoor activities, and staying active through soccer and fitness. Languages Spoken: French mortgagesbyfreddy@gmail.com https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/97c8fed7-7e90-4fd0-8b82-0c0d9a117b8e/Raj+Headshot.png Team | - Raj Dhillon Mortgage Agent Raj brings over 8 years of experience in finance, with the past few years focused specifically on mortgages. With a genuine passion for real estate and helping others, she's committed to guiding clients through one of the most important decisions of their lives. Raj understands that every real estate transaction is a major milestone, and she approaches each one with care, precision, and a commitment to exceptional service. When she's not working, you'll find Raj staying active, spending time with her French Bulldog, visiting family in BC, or planning her next travel adventure. info@rajmortgages.ca https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/e88410b4-45bb-4446-a280-fbeef17b936c/BirjuNakrani_Nov2025+001.jpg Team | - Birju Nakrani Mortgage Agent After completing his MBA in the United States, Birju built a diverse professional portfolio across the hospitality, education, and retail sectors in India, Canada, and the USA. With more than 15 years of management-level experience in customer-centric industries, he brings a deeply empathetic and client-focused approach to the mortgage profession. He recognizes that owning a home is not just a financial decision but an emotional milestone, and he is dedicated to ensuring that every client’s journey is seamless, informed, and stress-free. His tenure as an MBA professor further strengthened his active listening skills and his ability to craft innovative solutions to complex challenges. Today, he stands as a committed mortgage broker with a steadfast promise to deliver tailored mortgage solutions within the required timelines. During his leisure hours, Birju enjoys quality time with his family, his wonderful wife and two young children. A passionate foodie, he loves exploring new restaurants across the city with his family and friends. Languages Spoken: Hindi and Gujarati lendinggear@gmail.com https://www.mmgmortgages.ca/renewals daily 0.75 2025-02-25 https://www.mmgmortgages.ca/contact daily 0.75 2023-10-05 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/e7001aa4-2f9f-4c04-ad3b-22c33c49faff/MMG_Office_Jan2022_FINAL+002+webres.jpg Contact https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/e57af082-deca-47e6-aa85-93052d7926d1/BC+Flag.png Contact - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1591048927107-9DGJ3A503TZDEJ21EU8K/Best+in+Calgary+badge.png Contact https://www.mmgmortgages.ca/privacy-policy daily 0.75 2018-01-12 https://www.mmgmortgages.ca/apply-old daily 0.75 2018-02-01 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1517433757970-M72JI5SRCOCOCF4JWOR0/jacki.png Apply-old https://www.mmgmortgages.ca/commercial-financing- daily 0.75 2023-09-19 https://www.mmgmortgages.ca/charity daily 0.75 2023-01-10 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1656090709385-91TBQC9AXUWFBLDH0GKQ/Capture+1.PNG Charity https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1656090781763-GV4IN8F60HL0GU74C2MF/Capture+2.PNG Charity https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1656090299867-N22KV5VFTZRIHVS9Q2AM/Magazine+1-2+page+1.PNG Charity https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1656090299872-APUDHSLTGTYDJHK9ONRW/Magazine+1-2+page+2.PNG Charity https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/fcbe2662-35d8-4de3-ac61-7880e1fb9c19/Discovery+House+Website.png Charity - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/e91c1cb5-c3a2-4ad9-8d7a-9eadefaa7cf6/Pay+it+forward+Web+post.png Charity A Calgary based charity that has been working since 1975 to ensure that every Calgarian has a safe, affordable place to call home. They are a housing management body that operate 477 senior self-contained units across 7 apartment buildings for the Government of Alberta. An affordable housing provider that owns and operates 180 units across 2 buildings in Bridgeland-Riverside. 1 in 5 Calgarian households are struggling with their housing costs. Right now, 42,000 households in Calgary are at immediate risk of homelessness. Click below to find out more information about Forward Housing https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1582908316636-CU9UNZT3UMG4AOO16B9N/CHTLogocolour-notag.jpg Charity - MMG is honored to support the Newborns Need Campaign. https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1582914378893-LN7YRWBYQO4A13GGCLLH/Projects_.png Charity https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1607451924571-XPMP2EY6SEBSJ445YFL5/To+date%2C+MMG+has+raised+%2427%2C000%21.png Charity https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1627500159462-3BS45WFME4RIM42VARX1/RMHC+Donations.png Charity - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1627500482866-EYJ13SMPA3DELMU8PLGH/RMHC+AB+Logo+%281%29.png Charity - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1627500743658-668C9ADJL1X9QFC709S9/RMHC+Suites.PNG Charity - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.mmgmortgages.ca/land daily 0.75 2020-07-03 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1590101708512-LYSX9PNKNU7NUCOISER5/Blue-Sky-and-Green-Field-2560x1600-wide-wallpapers.net.jpg Land https://www.mmgmortgages.ca/home-2 daily 0.75 2020-05-21 https://images.squarespace-cdn.com/content/v1/58aca60d725e25aeb6a9a567/1590089539309-KGOE4VT0M3WIZW3EFT5C/0H7A9591%2B%25281%2529.jpg Home https://images.squarespace-cdn.com/content/v1/52a74d9ae4b0253945d2aee9/1535394848185-CGDDU4QCIRSO4U1270H3/image-asset.jpeg Home - About Find out about our organization, mission, our methods, and the results of our decades of advocacy. https://images.squarespace-cdn.com/content/v1/52a74d9ae4b0253945d2aee9/1535394867157-MTQAOAQPKWQ68DDY1HTW/tumblr_mn8b8sLRb61rkz363o1_1280.jpg Home - Take Action Ready to take the next step? You can become a contributor to our cause, or participate yourself. https://www.mmgmortgages.ca/home-1 daily 0.75 2020-05-21 https://images.squarespace-cdn.com/content/v1/52a74d9ae4b0253945d2aee9/1535394848185-CGDDU4QCIRSO4U1270H3/image-asset.jpeg Home - About Find out about our organization, mission, our methods, and the results of our decades of advocacy. https://images.squarespace-cdn.com/content/v1/52a74d9ae4b0253945d2aee9/1535394867157-MTQAOAQPKWQ68DDY1HTW/tumblr_mn8b8sLRb61rkz363o1_1280.jpg Home - Take Action Ready to take the next step? 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