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Lacroix Mortgage Group

Home
Canada
Calgary, AB
Lacroix Mortgage Group

Calgary Mortgage Broker & REALTOR®

Purchases • Refinancing • Renewals

Where You Matter.
🌐 lacroixmortgagegroup.com

Tim empowers his clients with his expertise & ensures his clients get the best mortgage solutions for their unique situation.

06/03/2026

Got an extra $400/month and not sure what to do with it? 🤔 Should you put it on your mortgage or invest it?

This is a common question, and the answer depends on your goals.

In this example, we used:

$450,000 mortgage
4.24% interest rate
25-year amortization
$400/month extra
20-year comparison
Option A: Put the extra money on the mortgage

This can help you:

✅ Pay down more principal
✅ Save money on interest
✅ Become mortgage-free sooner
✅ Feel better having less debt

Option B: Invest the extra money

This can help you:

✅ Build long-term savings
✅ Grow your money over time
✅ Keep more flexibility
✅ Work toward other goals too

In this example, the math may favour investing over time.

But numbers are only part of the story.

For some people, paying down the mortgage feels better because it brings peace of mind.
For others, investing makes more sense because they want long-term growth.
And for many people, the best answer is a mix of both.

A common mistake we help people avoid is thinking there is only one “right” answer.

The better question is:
What fits your life, comfort level, and goals right now?

If you want help reviewing your mortgage strategy, our team can walk through the numbers with you and help you compare your options.

📩 Send us a message if you’d like to chat.

Example only. Investment returns are not guaranteed. General information only; not financial, legal, or tax advice. Speak with a licensed professional about your situation.

Tim Lacroix | Lacroix Mortgage Group
Mortgage Connection
📱403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com

06/03/2026

A mortgage conversation shouldn’t feel overwhelming, rushed, or filled with jargon.

Whether you’re buying your first home, renewing, refinancing, or just exploring options, our goal is simple:

👉 Help you understand what makes sense for your situation.

That means honest conversations, clear explanations, and walking through the options without pressure.

A common thing we hear from clients is:
“I finally feel like I understand how this works.”

And honestly, that’s how it should be.

If you’ve been putting off asking questions because the process feels intimidating, you’re not alone — and you don’t need to have everything figured out before reaching out.

We’re always happy to start with a conversation.

Tim Lacroix | Lacroix Mortgage Group
Mortgage Connection
📱403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com

06/01/2026

A lot of buyers put pressure on themselves to find the perfect home right away.

In real estate, that pressure can make the process feel more overwhelming than it needs to.

The truth is, most buyers are not looking for a flawless house that checks every possible box. They’re looking for the right fit for their budget, lifestyle, location, and next chapter.

That’s a much more helpful mindset.

In our experience, buyers feel more confident when they focus on:

• their true must-haves
• what fits their budget
• what works for their day-to-day life
• what makes sense for this stage, not every future stage at once

The goal is not perfection. The goal is a smart, confident decision.

If you’re planning to buy a home in Calgary and want help narrowing down what really matters, our team would be happy to help.

Tim Lacroix | REALTOR®
BURTON Home Team
RE/MAX Realty Professionals
📱587-609-5715
📧 [email protected]
🌐 timlacroixrealtor.com

05/31/2026

🗣️ Let’s do a local shout-out. Tag a Calgary small business you’d genuinely recommend to someone new to the city.

Could be coffee, food, books, flowers, fitness, treats, or anything else.

Let’s give some good local businesses a little extra love

Tim Lacroix | REALTOR®
BURTON Home Team
RE/MAX Realty Professionals
📱587-609-5715
📧 [email protected]
🌐 timlacroixrealtor.com

05/29/2026

Pricing a home is not about guessing — and it should not be based only on what a seller hopes to get.

A smart pricing strategy looks at recent comparable sales, active competition, condition, location, buyer demand, and timing.

The goal is to understand how buyers are likely to respond and choose a launch strategy that makes sense for the property.

Thinking about selling your Calgary home? We can help you review the numbers and understand the local market.

Tim Lacroix | REALTOR®
BURTON Home Team
RE/MAX Realty Professionals
📱587-609-5715
📧 [email protected]
🌐 timlacroixrealtor.com

05/29/2026

Get more info on the First-Time Home Buyer GST Rebate here 👇
https://lacroixmortgagegroup.com/resources/gst-new-housing-rebate-alberta

Buying a brand-new home in Alberta? The GST rebate is worth understanding before you sign a builder contract.

For eligible first-time buyers, the federal FTHB GST/HST rebate may reduce the GST on a qualifying new or substantially renovated home.

Here’s the simple version:

✅ New homes priced up to $1M may qualify for up to a full GST rebate

➖ Homes between $1M and $1.5M may qualify for a reduced rebate

❌ Homes at or above $1.5M do not qualify for this rebate

🏡 The home generally needs to be your primary residence

📄 Builder contracts matter — sometimes the rebate is credited/assigned, and sometimes the buyer may need to apply directly

A common mistake we help buyers avoid: comparing a resale home and a builder home based only on the list price.

With new construction, you also want to understand GST, builder incentives, deposits, possession timing, legal costs, and how everything affects your total budget.

Thinking about a new build in Calgary or surrounding areas? Reach out before you sign so we can help you compare the full picture.

Tim Lacroix | REALTOR®
BURTON Home Team
RE/MAX Realty Professionals
📱587-609-5715
📧 [email protected]
🌐 timlacroixrealtor.com

05/27/2026

A good REALTOR® does more than open doors.

When you’re buying or selling a home in Calgary, the strategy matters.

For buyers, that may include understanding value, neighbourhood fit, offer conditions, timing, and long-term resale considerations.

For sellers, that may include pricing, preparation, presentation, negotiation, and how to position the home in the market.

The goal is not just to make a move.
The goal is to make a well-informed move.

Have questions about buying or selling in Calgary? Our team is happy to help.

Tim Lacroix | REALTOR®
BURTON Home Team
RE/MAX Realty Professionals
📱587-609-5715
📧 [email protected]
🌐 timlacroixrealtor.com

05/25/2026

Need access to funds to renovate your home? Read our article: Refinancing To Renovate Your Home in Alberta 👇
https://lacroixmortgagegroup.com/resources/refinancing-to-renovate-alberta

One of the biggest myths sellers believe is that they need to fully renovate their home before listing it.

That is not always the case.

In many situations, the biggest impact comes from simpler things like decluttering, deep cleaning, touch-up paint, small repairs, and making the home feel well cared for.

That usually matters more than taking on large projects that may not add meaningful value.

In our experience, the best pre-listing plan focuses on:

✔️ first impressions
✔️ visible condition
✔️ overall presentation
✔️ improvements that make practical sense for the home and market

Selling a home in Calgary is not about doing everything. It’s about doing the right things first.

If you’re thinking about selling and want help deciding what’s worth doing before you list, our team would be happy to help.

Tim Lacroix | REALTOR®
BURTON Home Team
RE/MAX Realty Professionals
📱587-609-5715
📧 [email protected]
🌐 timlacroixrealtor.com

Address

501/10333 Southport Road SW
Calgary, AB
T2W3X6

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm

Telephone

+14036481541

Website

https://lacroixmortgagegroup.com/, https://timlacroixrealtor.com/, https://www.instagram.com/lacroixmortgagegroup/

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