Evangeline Villanueva Mortgage Broker

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Evangeline Villanueva Mortgage Broker

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Mortgage Broker & Co-Founder of Alltrust Mortgage Solutions | 1,200+ Families Helped | 360+ Google Reviews | 5 ⭐ Rating

06/25/2026

Most homebuyers assume that if one lender approves them for a certain amount...

That’s simply what they qualify for.

❌ Not true

Different lenders can look at the exact same application and come to completely different conclusions.

Why? 🤔

Because every lender has different policies around things like:

• Rental income
• Self-employed income
• Commission income
• Debt ratios

I’ve seen situations where a borrower was approved for hundreds of thousands of dollars more simply because they were placed with a lender whose policies better matched their situation.

That’s the real advantage of working with a mortgage broker.

It’s not just about getting approved.

It’s about having access to enough options to find the lender that fits your specific situation.

🏡🏡🏡
mortgages

06/19/2026

One of the most overlooked housing stories right now isn’t demand.

It’s supply.

When people hear that home sales are slowing, many assume prices must fall significantly.

But here’s the problem:

Many developers are delaying, downsizing, or cancelling projects because today’s financing and construction costs make some projects difficult to justify.

That means fewer homes are being built.

And fewer homes being built today can become a supply problem a few years from now.

This creates a strange situation:

🏠 Demand is weaker because affordability is stretched.

🏗️ Supply is also weakening because construction is slowing.

That’s one reason many economists are forecasting a period of price stagnation or modest corrections rather than a nationwide housing crash.

The biggest mistake buyers can make right now is focusing on only ONE side of the equation.

Housing prices are determined by BOTH demand and supply.

And right now, both are under pressure.
The question isn’t whether housing is slowing.
The question is which side weakens faster.

Buyers or builders?

👇 Curious what you think:

Will Canada’s housing market move UP, DOWN, or SIDEWAYS over the next 12 months?

06/15/2026

One statistic completely changed how I look at Canada’s economy:

Roughly 75% of all household debt in Canada is tied to mortgages.

Think about that for a second.

When mortgage rates rise, most homeowners don’t suddenly stop making their mortgage payments.

Instead, they cut spending somewhere else.

Fewer restaurant visits.
Fewer vacations.
Fewer renovations.
Fewer vehicle purchases.
Less discretionary spending.

Now multiply that across millions of households renewing their mortgages at higher rates.

That’s why mortgage renewals aren’t just a homeowner issue.

They’re an economic issue.

When a large portion of Canadians are directing more of their income toward housing costs, there’s simply less money flowing into other parts of the economy.

That’s one of the reasons economists are paying such close attention to mortgage renewals over the next few years.

The story isn’t just about rates.

It’s about what happens when millions of Canadians have less financial flexibility at the same time.

📊 Are you renewing your mortgage in the next 12 months?

06/08/2026

Canada recently entered what’s called a technical recession — two consecutive quarters of negative GDP growth.

But here’s what most headlines aren’t telling you:

A recession is a backward-looking measurement. It tells us what already happened, not necessarily what’s coming next.

In fact, this recession looks very different from what many Canadians expected.

Historically, recessions often lead to:
• Significant home price declines
• Aggressive interest rate cuts
• Financial stress in the banking system

But today:
• Home prices have softened, but haven’t crashed nationally
• Fixed mortgage rates remain elevated
• Canada’s major banks remain profitable
• Housing supply continues to be constrained in many markets

The bigger concern isn’t the recession itself.

It’s the growing pressure on Canadian households:

➡️ Mortgage renewals at higher rates
➡️ Higher debt servicing costs
➡️ Slower wage growth than many expected
➡️ Rising living expenses

That’s why many Canadians feel like they’re falling behind even though unemployment remains relatively low and the economy isn’t collapsing.

My prediction?

The next 12 months won’t be defined by a housing crash or a rate collapse.

They’ll be defined by affordability.

Affordability will determine:
• How many people buy
• How many people sell
• How much housing activity we see
• And ultimately where home prices go from here

Curious what you’re seeing firsthand.

Do you feel like Canada is in a recession?

Or does it feel more like a prolonged affordability crisis?

05/27/2026

A lot of people assume that when prices soften… buyers automatically rush back into the market.

But real estate isn’t driven by prices alone.
It’s driven by confidence.

When people feel uncertain about rates, jobs, the economy, or where the market is heading… many choose to wait — even when opportunities exist.

That’s why timing the market is so difficult.

The buyers who usually do best aren’t the ones chasing headlines…
They’re the ones making decisions based on long-term strategy and financial stability.

Do you think buyer confidence comes back this year? 👇

05/25/2026

Smart borrowers aren’t asking:
“What’s the lowest rate?”

They’re asking:
“What’s the smartest move RIGHT NOW?”

Because in markets like this… the wrong decision can cost you a lot more than a slightly higher rate.

Smart borrowers are focused on:

✔️ Buying only when the numbers work
✔️ Keeping flexibility in uncertain markets
✔️ Negotiating harder when leverage shifts
✔️ Thinking 3–5 years ahead — not just today

This market isn’t easy.
But informed borrowers don’t panic… and they don’t guess.

They build a strategy.

Because sometimes the smartest move is buying.
Sometimes it’s waiting.
And sometimes it’s restructuring before making your next move.

The key is knowing the difference.

What would YOU do in today’s BC market - buy or wait? 🤔

05/14/2026

Most people hear “rates might go up” and think it’s just news…

But what it actually means is this 👇

Even a small shift — like 0.5% — can quietly change your monthly payment, your affordability, and the type of mortgage that makes sense for you.

That’s why guessing the market is the wrong strategy.

The smart move?
👉 Build a mortgage plan that works in ALL three scenarios.

Because whether rates hold, creep up, or spike…
the people who win aren’t the ones who predicted it right —

they’re the ones who were prepared either way.

If you’ve got a mortgage (or planning to get one soon), this is the moment to pressure-test your strategy.

Comment “PLAN” and I’ll help you run through your scenario 👇

05/11/2026

ONE OPTION < ENTIRE MARKETPLACE

Address

2215 Coquitlam Avenue
Burnaby, BC
V3B1J6

Telephone

+16047618212

Website

http://alltrustmortgage.com/

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