DeRosa Team I Vine Group

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Canada
Airdrie, AB
DeRosa Team I Vine Group

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Equifax Certified Credit Professional based in Airdrie and serving clients across Alberta. Clear guidance. Confident decisions. Zero judgment.

Mortgage solutions for real life, from first-time home buyers to spousal buyouts, renewals and refinances.

10/31/2026

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🎃 Happy Halloween from the furriest members of the team!

Daphne, our VP of Barketing, and Arlie, our Director of Good Vibes, are officially on Halloween duty. 👻

No mortgage advice today. Just a little fun, a few treats, and hopefully not too many tricks.

Work hard, play hard. (They mostly play.) 🐾

Wishing you and your family a safe and happy Halloween. 🧡

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10/15/2026

New to Canada and dreaming of a place to call your own? You may not have to wait years to build a Canadian credit score first.

Many lenders offer New to Canada mortgage programs designed specifically for newcomers. Instead of relying only on Canadian credit, they may consider:

✅ Credit reports from your home country
✅ A history of on-time rent and utility payments
✅ Your employment in Canada and your work history before you arrived
✅ Your down payment and where it came from

Each program has its own requirements, including residency status and time in Canada, so the right lender makes all the difference. A licensed mortgage agent/broker knows which lenders offer newcomer programs and how to present your application with confidence.

📲 Know someone who's new to Canada? Share this with them. Their first Canadian home might be closer than they think.

10/13/2026

🏡 Selling your home before your mortgage term is up?

You may have two options, and understanding the difference could save you thousands.

🏡 Porting Your Mortgage

You may be able to transfer your existing mortgage, including your rate and remaining term, to your next property.

Need to borrow more? Some lenders offer a blended rate that combines your existing mortgage rate with current rates on the additional funds.

🔓 Breaking Your Mortgage

You pay out your existing mortgage and arrange new financing. This gives you an opportunity to explore different lenders, rates, products, and terms, but may involve a prepayment penalty.

A few things worth knowing:

✅ Not every mortgage is portable. Your lender's terms and conditions matter.
✅ Porting generally requires you to qualify for the mortgage on the new property.
✅ Lenders have specific timelines and conditions for completing a port.
✅ A lower rate doesn't always mean lower overall costs, particularly when penalties are involved.

Whether you're upsizing, downsizing, or relocating, the right mortgage strategy depends on more than just your interest rate.

📩 Thinking about making a move? Let's review your options and compare the costs before you list your home.

10/12/2026

Happy Thanksgiving! 🧡🍂

This Thanksgiving, I'm especially grateful for the people who make what I do so meaningful.

To my clients, referral partners, colleagues, friends, and community, thank you for your continued trust, support, and the relationships we've built along the way.

Taking care of people has always been at the heart of my business, and I'm truly grateful for the opportunity to be part of so many important journeys.

Wishing you and your loved ones a Thanksgiving filled with warmth, connection, and moments worth celebrating.

🧡 Thank you for being part of my journey.

10/10/2026

Today is World Mental Health Day. 💚

At the DeRosa Mortgage Team, we believe in treating people with kindness, understanding, and compassion.

We never truly know what someone else may be carrying or the challenges they're facing behind the scenes.

Whether you're a client, colleague, friend, or someone in our community, a little kindness or simply checking in can make a meaningful difference.

Sometimes, the smallest gestures mean the most.

Let today be a reminder to check in with yourself and those around you. Reach out, start a conversation, or let someone know you're thinking of them.

And if you're the one who needs support, remember you don't have to navigate everything alone. 💚

10/07/2026

The Bank of Canada announces its next interest rate decision on Wednesday, October 28, 2026.

Whether you're buying, renewing, or watching the market, this one matters.

We'll break down exactly what it means for your mortgage the moment the decision drops. Follow along.

10/06/2026

Did you know your Loan-to-Value Ratio (LTV) could impact your mortgage approval?

LTV is the percentage of your mortgage amount compared to the appraised (or purchase) value of your property. Lenders use it to measure risk.

The higher your LTV, the less equity you have in the home. This can affect your eligibility, interest rate, and even the type of mortgage products available to you.

Here is why it matters:

✔️ Your LTV will determine if you need mortgage insurance and how much you qualify for.
✔️ Refinances: A lower LTV can unlock equity to consolidate debt, renovate, or invest in other goals.
✔️ Investment Properties: Stricter LTV requirements often apply, which can influence how much capital you need upfront.

Understanding your LTV is an important step in planning your financing strategy. A licensed mortgage broker can help you calculate your ratio, explain how it impacts your options, and guide you toward solutions that fit your goals.

📲 Want to know your LTV and what it means for your mortgage? Reach out today.

10/06/2026

Shannon is amazing to work with. She calmed all my nerves and anxiety throughout the whole process

10/05/2026

We have had the pleasure of working with Shannon twice now, and both experiences have been fantastic! She is incredibly helpful, knowledgeable, and always so quick to respond whenever we have questions or need guidance.Both times, she made the entire mortgage process feel straightforward and stress-free, and helped connect us with a wonderful lender that we have been very happy with.We truly appreciate all of her help and support throughout the process. Should we ever need a mortgage broker again in the future, she will absolutely be the first call we make. We wouldn’t hesitate to recommend her to anyone looking for a knowledgeable, responsive, and genuinely wonderful mortgage broker!

Address

Airdrie, AB

Telephone

+14038056502

Website

http://derosamortgageteam.ca/

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