MacRae Mortgage Solutions

MacRae Mortgage Solutions Mortgage Associate in Calgary, AB. MacRae Mortgage Solutions
Indi mortgages.

06/03/2026

One big misconception about getting pre-approved is that it means you’re committing to buying a home.

In reality, a pre-approval is simply a planning tool.

It helps you understand your budget, review your options, and identify any potential issues before you start shopping.

In many cases, having this information early can make the home buying process much less stressful and help you move forward with confidence when the right property comes along.

Information first. House shopping second.

Love is love. Home is home. Everyone belongs.We believe in building a world and a mortgage industry where everyone feels...
06/02/2026

Love is love. Home is home. Everyone belongs.

We believe in building a world and a mortgage industry where everyone feels seen, supported, and celebrated.

This Pride Month, we stand with the 2SLGBTQIA+ community in honouring the strength, resilience, and joy that continue to shape our communities.

🏳️‍🌈 Here’s to creating space, lifting each other up, and making sure everyone has a place to call home.

2SLGBTQIA

06/02/2026

A lot can change over the course of a mortgage term.

Maybe your income has increased. Maybe you’ve paid down debt. Maybe you’ve started a business, expanded your family, or your financial goals look different than they did a few years ago.

That’s why a mortgage renewal is about more than just signing a new rate.

It’s an opportunity to review your overall financial picture and make sure your mortgage still supports where you are today and where you’re headed next.

The goal isn’t just to have a mortgage.

The goal is to have the right mortgage for your current situation.

05/29/2026

A common misconception is that self-employed borrowers need a massive down payment to qualify for a mortgage.

While self-employed applications can require a little more planning and documentation, there are mortgage options available that many business owners are not aware of.

The key is starting the conversation early.

The more time you have to plan, the more options you may have available when it comes time to buy.

05/28/2026

One of the biggest frustrations for self-employed clients is that lenders often do not use gross business income for qualification.

Many lenders look at the income claimed after expenses and tax write-offs instead.

Which is why mortgage planning can be very different when you are self-employed.

Planning ahead and understanding how income is calculated can make a huge difference.

05/27/2026

Online mortgage calculators can be a decent starting point, but they often do not account for things like property taxes, condo fees, debt payments, credit history, or different lender qualification rules.

This is why getting a proper pre-approval before house shopping is so important.

Having a full review of your finances gives you a much clearer understanding of what your options may actually look like.

05/26/2026

One of the biggest misconceptions in the mortgage world is that the lowest rate automatically means the best mortgage.

While rate is absolutely important, it is also important to review things like penalties, prepayment options, flexibility, portability, and overall mortgage terms to make sure the product actually fits your long-term goals.

A mortgage is not one-size-fits-all, and choosing the right option should involve looking at the full picture rather than just a headline rate online.

If you ever want help reviewing your options and understanding the differences between lenders and products, I’m always happy to help.

05/25/2026

Most people think checking with their own bank means they’ve “shopped around.”

But banks can only offer their own products.

Mortgage brokers have access to multiple lenders, which can make a huge difference when your situation isn’t perfectly straightforward.

Different lenders = different rules, different rates, and different solutions.

Helping clients save money, reduce stress, and feel confident in their mortgage decisions will never get old.So grateful...
05/22/2026

Helping clients save money, reduce stress, and feel confident in their mortgage decisions will never get old.

So grateful for amazing clients like this and the trust they place in me throughout the process. 💛

05/22/2026

Something I often hear is that you need perfect credit to qualify for a mortgage.

In reality, there are many different lenders and mortgage products available, and every application is looked at as a whole picture, not just a single credit score.

Income, down payment, debt ratios, employment stability, and overall credit history can all play a role in determining what options may be available.

A lower credit score does not automatically mean home ownership is out of reach, and in some cases there may be opportunities to improve qualification with a bit of planning and guidance.

Every situation is different, which is why having a conversation early can be so important.

If you have questions about your credit, mortgage options, or where you currently stand financially, I’m always happy to help.

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Calgary, AB

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+15179174242

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