Nikki Saar - YYC Mortgages

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Nikki Saar - YYC Mortgages

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08/20/2025

✨NEW CLIENT TESTIMONIAL✨ Huge congratulations to my amazing clients! Your determination and perseverance pulled through and you landed your dream home!! So incredibly happy for you both, you deserve this more than anyone I know. I’m so grateful you placed your trust in me to be a part of this exciting journey! Thank you so much for the beautiful words, they mean the world to me. Wishing you both a lifetime of happiness, laughter, love and unforgettable memories in this new space!

08/13/2024

6!!! Happy birthday my little lion. We love you so very much and hope you have the absolute best day! 💙

07/03/2024

NEW CLIENT TESTIMONIAL!

This beautiful client of mine mastered that fine line of patience and persistence to finally find her dream home! It was an absolute pleasure working with and I wish you all the happiness in your new home!

05/30/2024

The correct answer is actually with less than 20% down! But why would this be? If you’re putting more of your own investment into your purchase, doesn’t that mean less risk for the lender? Not exactly. When putting less than 20% down, mortgage insurance is required and paid by the borrower. With this in place, the lenders investment in the property is considered less of a risk, therefore you are offered the best rates. Although the rate may be lower, there is now a premium added to your mortgage if not paid up front. Interest will accumulate on your total loan, including this premium.

Have questions or want to see a breakdown? Message me at [email protected]

04/30/2024

When beginning the journey of purchasing a home, let’s start with the basic 4 pillars that are essential to being approved for a mortgage.

1. Credit - your credit score gives lenders a quick snapshot into your current obligations as well as your reliability

2. Income - the structure of your income and your ability to afford a new purchase

3. Down payment - what is the source of your down payment? Whether it be savings, RRSP, a gift, etc. the source is crucial to your approval

4. Property - since the lender is supplying a loan for the property, the condition and area are important to know how secure their investment is. Marketability is key!

Have questions? Please email me at the address above!

04/27/2024

Most voted yes! Let’s go over some pros and cons…

Pro - You have great landlords and always make your payments on time, now your hard work and consistency are actually helping you!
Pro - YOU’RE the landlord, there’s extra security that your tenants will make their payments on time

Con - You do not have good landlords and they miss the payments even though you’re on time, will this directly effect your score?
Con - After your 1 year lease the landlords have increased rental payments by hundreds and you can’t afford it! There’s not many options so you have to stay. Missing or being late on any payments are now negatively impacting your credit score. What do you do?

Please comment below on your thoughts.

04/17/2024

With spring market in full swing, how can you set yourself apart from competing offers? A pre-approval doesn’t just give you an edge when presenting an offer, it helps you to ensure you’re staying within your budget! Contact me to assist in your dream of owning your own home!
[email protected]

03/07/2024

It’s no secret millions of Canadians are set to renew their mortgage within the next couple of years. Due to the increase in interest rates this could result in a massive payment shock that you’re not fully prepared for. Rest assured you’re not locked in to your current lender and what you’re being offered! You have many options including transferring your mortgage to a different lender or refinancing and using your equity to consolidate other debts just to name a few. Even if your renewal isn’t set until 2026, we can start doing some research now to help alleviate the blow you may incur in the future. Call me to discuss your unique situation and let’s come up with a plan!

10/19/2023

A rough visit at the dentist = the sweetest sister coming home to cuddle and comfort him. The cutest kids 💗💙

09/15/2023

All it takes is kneeing yourself in the face, and pop! Out come the two front teeth! 🦷 💗

08/15/2023

A house is a shelter, somewhere we can escape after a long day of work and put our feet up and rest. A home, all the same, but it's our own. Where we feel safe, the most comfortable, unjudged by the outside world. Raise our family and put our touch on every space. If you're looking to get out of the renters market or move spaces completely, call me to discuss your options!
403-815-7999

08/13/2023

Happy 5th my handsome boy 💙

Address

Calgary, AB

Telephone

+14038157999

Website

http://nikkisaar.ca/

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