MacRae Mortgage Solutions

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

Thank you for such a fun afternoon of Pickleball. Skills need work, but it’s never not a good time with you ladies! 😂. ...
06/17/2026

Thank you for such a fun afternoon of Pickleball. Skills need work, but it’s never not a good time with you ladies! 😂.

06/17/2026

One of the most important conversations I have with clients isn’t about how much they qualify for.

It’s about how much they want to spend.

A mortgage payment still needs to fit alongside groceries, kids’ activities, vehicle expenses, travel, savings goals, and everything else life throws your way.

Just because a lender approves a certain amount doesn’t mean you have to spend it.

The goal is to find a home that fits your budget and your lifestyle.

06/16/2026

A refinance is not the right solution for everyone, but for some homeowners it can create significant monthly savings and much-needed breathing room in the budget.

Sometimes the goal isn’t to become debt-free overnight.

Sometimes the goal is reducing financial stress and creating a plan that feels manageable.

There is absolutely no shame in using the equity you’ve built in your home to help improve your overall financial situation.

06/15/2026

“I thought I’d qualify for more.”

It’s a conversation I have quite often.

While income is an important part of mortgage qualification, lenders also look closely at your monthly debt obligations. Car loans, lines of credit, credit cards, and other monthly payments can have a significant impact on how much you qualify for.

This is why two people with similar incomes can sometimes qualify for very different mortgage amounts.

Understanding your numbers before you start house shopping can help set realistic expectations and make the process a lot less stressful.

06/12/2026

If there’s one thing I want people to know, it’s that you do not need to have everything figured out before speaking with a mortgage broker.

You don’t need to know how much you qualify for.
You don’t need to know what documents you’ll need.
You don’t even need to know where to start.

That’s my job.

Buying a home is one of the largest financial decisions most people will ever make, and asking questions is part of the process.

So please ask the questions.

The goal isn’t to know everything before reaching out. The goal is to have someone help guide you through it.

06/11/2026

A large part of my business comes from referrals, and I don’t take that trust lightly.

When someone shares my name with a friend, family member, coworker, or neighbour, it means they felt supported enough throughout the mortgage process to recommend me to someone they care about.

That is something I will never take for granted.

So if you ever find yourself wondering, “Can I give someone your number?” the answer is always yes.

Helping great people is my favourite part of this job, and referrals truly are one of the greatest compliments I can receive.

Thank you for your continued support.

06/10/2026

The Bank of Canada announced its latest rate decision today and, as expected, rates were held.

For borrowers with variable-rate mortgages or lines of credit, this means there are no immediate changes to your rate or payment as a result of today’s announcement.

While rate decisions often make headlines, it’s important to remember that a single announcement doesn’t necessarily change your overall mortgage strategy.

As always, if you have questions about how rate decisions may impact your mortgage, renewal, refinance, or future home purchase plans, I’m happy to help.

06/09/2026

I heard someone describe mortgage brokers as the craft beer of the mortgage world, and the more I thought about it, the more it made sense.

Not because we’re fancy.

Because every client is different.

Different financial situations. Different goals. Different comfort levels. Different plans for the future.

That’s why I believe mortgage advice should never be one-size-fits-all.

My job is to take the time to understand your situation, explain your options, and help you find a mortgage solution that fits your needs today and supports your goals tomorrow.

The right mortgage isn’t about finding the same solution for everyone. It’s about finding the right fit for you.

06/08/2026

If you’re planning to buy a home, start thinking about your down payment long before you find the perfect property.

Lenders typically require a 90-day history of your down payment funds, which means large deposits, transfers, gifts, investment withdrawals, and proceeds from sold items may all require supporting documentation.

The more organized your paper trail is, the smoother the mortgage process tends to be.

A little preparation today can save a lot of document chasing later.

Buying a home isn’t just about numbers, rates, and paperwork.For a lot of people, it’s one of the most vulnerable financ...
06/05/2026

Buying a home isn’t just about numbers, rates, and paperwork.

For a lot of people, it’s one of the most vulnerable financial conversations they’ll ever have.

My goal is always to make the process feel comfortable, simple, and stress-free. No judgment, no confusing jargon, and no question is ever too small.

Thank you for trusting me to be part of such an important milestone. Reviews like this mean more than you know. ❤️

If you’re thinking about buying, refinancing, or renewing and aren’t sure where to start, my inbox is always open.

Address

Calgary, AB

Telephone

+15179174242

Website

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