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

10/15/2026

Going through a separation doesn’t automatically mean you have to sell the family home.

In certain situations, a spousal buyout mortgage may allow one person to keep the home and buy out the other person’s share.

And here’s something many people don’t realize.

You may be able to finance up to 95% of the home’s value through a qualifying spousal buyout program.

Of course, there are guidelines, and you’ll need to qualify for the mortgage on your own.

My biggest piece of advice?

Speak with a mortgage broker BEFORE finalizing your separation agreement.

Understanding your options ahead of time can make a significant difference in what your next chapter looks like.

There’s something extra special about helping someone through their very first mortgage. ❤️Buying your first home comes ...
10/02/2026

There’s something extra special about helping someone through their very first mortgage. ❤️

Buying your first home comes with a LOT of questions, decisions and new information, and I never want my clients to feel like they’re figuring it all out on their own.

Thank you so much for the kind words and for trusting me to be part of such a big milestone. I’m so happy I got to be part of your journey into homeownership!

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10/02/2026

Fixed mortgage rates have been moving up, which makes this a really good time to get prepared if buying a home is on your radar.

A pre-approval can allow us to secure a rate hold while you’re shopping.

If fixed rates continue to increase, you have some protection in place.

If rates come back down before you buy, we can look at the lower rate.

And the important part? Getting pre-approved doesn’t mean you have to buy a home.

It simply gives you a better understanding of what you qualify for and some protection while you decide what comes next.

If you’re thinking about buying in the next few months, let’s get ahead of it.

10/01/2026

When it comes to qualifying for a mortgage, the amount of debt you have isn’t the only thing that matters.

Your monthly payments matter too.

A large vehicle payment, line of credit payment, or other monthly obligation can have a significant impact on how much mortgage you qualify for.

That’s why I don’t always recommend throwing extra money at the biggest debt first.

If buying a home is your goal, let’s look at the whole picture and figure out which debts are actually having the biggest impact on your qualification.

Sometimes being strategic with your money can make a much bigger difference than simply paying down debt.

What a lovely evening at the Indi Awards!A huge thank you to everyone at Indi Mortgage for the amount of thought, planni...
09/24/2026

What a lovely evening at the Indi Awards!

A huge thank you to everyone at Indi Mortgage for the amount of thought, planning and effort that went into putting this event together. It was such a great night and so nice to have an opportunity to connect with so many incredible people in our industry.

And walking away with an award made the evening just a little extra special. I’m really proud of this one and very grateful for the clients who continue to trust me with such an important part of their lives.

Great conversations, new connections, lots of laughs and a pretty special moment to take home with me.

Congratulations to all of the award winners! It was really nice getting to celebrate everyone’s hard work and accomplishments together.

Thank you, Indi, for such a wonderful night. ❤️

09/16/2026

A clean down payment history can make your mortgage approval a whole lot easier.

When lenders review your down payment, they need to be able to verify where the money came from. Large deposits and transfers between accounts can mean additional documents and explanations.

If you’re planning to buy soon, try to keep your down payment funds in one place whenever possible.

Less moving money around means a cleaner paper trail, less paperwork, and hopefully a smoother approval process.

A little planning ahead can save a lot of back and forth later.

09/15/2026

Refinancing isn’t always about getting a lower rate.

Sometimes it’s about creating room in your monthly budget.

If you’re juggling credit cards, lines of credit, vehicle payments or other debts, and you have equity in your home, refinancing may allow you to consolidate some of those payments into your mortgage.

Does that always mean you’ll pay less interest overall? No.

But lowering your monthly obligations can sometimes give you the breathing room you need to get your finances back on track.

It’s not the right strategy for everyone, which is why we run the numbers first.

And while we’re here, what’s a mortgage question you’ve been wanting to ask? Send me a message. I’m always happy to chat mortgages.

This one hit me right in the feels. 🥹I get incredibly invested in my clients and their stories, so reading that they fee...
09/11/2026

This one hit me right in the feels. 🥹

I get incredibly invested in my clients and their stories, so reading that they feel that from me too means more than I can explain.

Getting someone a mortgage is one thing. Getting to be part of the years long journey that finally gets a family home is something completely different.

I’m ridiculously grateful that people trust me enough to let me be part of these moments.

Reviews like this are a pretty incredible reminder of why I love what I do so much. ❤️

09/11/2026

Getting approved for a mortgage and being comfortable with the payment are two very different things.

When I’m working with buyers, I don’t just want to know the maximum a lender will approve.

I want to know what you actually want your life to look like after you buy.

Do you want to travel? Have kids in sports? Go out for dinner? Have a vehicle payment? Still have room to save?

The goal isn’t to get you into the most expensive house you can qualify for.

It’s to find a mortgage payment that fits your life and still lets you do the things that matter to you.

Your mortgage should fit your life. Not the other way around.

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Calgary, AB

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+15179174242

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