Lacroix Mortgage Group

06/24/2026

A mortgage should not feel like guesswork.

When you’re buying a home, the numbers matter — but so does the strategy behind them.

That can include your down payment, monthly payment comfort, lender options, mortgage type, penalties, and how long you plan to stay in the home.

The goal is not just to get a mortgage.
The goal is to understand the mortgage you’re choosing.

Have questions about where to start? Our team is happy to help.

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

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

06/21/2026

Happy Father’s Day to all the dads, stepdads, grandfathers, father figures, and dog dads too. 🐾

Today is a good reminder that family can look different for everyone — but love, guidance, support, and showing up are what matter most.

Wishing you a day filled with family, connection, and a few simple moments worth slowing down for.

Happy Father’s Day ❤️

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

06/18/2026

https://lacroixmortgagegroup.com/resources/household-income-needed-to-buy-home-canada

Mortgage qualification depends on much more than income alone — and that’s where many buyers get confused.

Here’s what lenders typically look at:

✔ Household income
✔ Monthly debts
✔ Down payment amount
✔ Credit history
✔ Property taxes + heating costs
✔ Condo fees (if applicable)

That’s why two people earning the same salary can qualify for very different mortgage amounts.

A common mistake we help buyers avoid is assuming they need a massive income or 20% down to buy a home.

In many cases, buyers qualify earlier than they expected once we review the full picture.

If you’re wondering:

“Can we afford a home?”
“How much income do we need?”
“Should we buy now or wait?”
“How much mortgage could we qualify for?”

…a personalized mortgage plan can usually give much clearer answers than an online calculator.

Whether you’re a first-time home buyer, moving up, self-employed, or just exploring options, our team is happy to walk you through it step-by-step.

Send us a message and we’ll point you in the right direction. 👋

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

06/16/2026

Good real estate advice should bring more clarity — not more confusion.

Whether you’re buying your first home, selling your current home, or trying to understand your next move in the Calgary market, the goal should be simple:

Help you understand your options.
Help you make informed decisions.
Help you move forward without feeling rushed.

If you’re thinking about buying or selling in Calgary or the surrounding area, our team is happy to help you talk through the next step.

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

06/11/2026

Think fixed mortgage rates only move when the Bank of Canada makes an announcement? 🇨🇦

Not quite.

In Canada, fixed mortgage rates are often influenced by the Canadian 5-year bond yield.

That means fixed rates can move even when the Bank of Canada does not change its overnight rate.

Here’s the simple version:

📌 Variable rates are more closely connected to the Bank of Canada policy rate.

📌 Fixed rates are more closely connected to bond yields.

📌 Bond yields can move because of things like inflation, jobs data, economic growth, and global markets.

So when people say, “The Bank of Canada didn’t change rates, why did fixed rates move?” — this is usually why.

This matters if you are:

✔️ Buying a home
✔️ Renewing your mortgage
✔️ Refinancing
✔️ Comparing fixed vs. variable
✔️ Trying to understand where mortgage rates may be heading

A common mistake we help clients avoid is only watching Bank of Canada announcements and missing the bigger picture.

Your mortgage plan should look at your budget, timeline, risk comfort, and what is happening in the rate market.

STAY TUNED FOR THE NEXT BANK OF CANADA RATE ANNOUNCEMENT on JULY 15, 2026

📩 Have questions about fixed vs. variable or an upcoming renewal? Send us a message and we can talk it through.

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

06/09/2026

Last weekend’s Parade of Garage Sales was a success, and we loved seeing neighbours out connecting, shopping local, and supporting one another across SE Calgary.

A big thank you to everyone who registered, stopped by, shared the event, and helped make the day such a positive community experience.

Proud to support events like this alongside Burton Home Team and our local community partners.

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

“Supporting our community isn’t just part of our business—it’s at the heart of who we are.”

We believe strong communities are built through connection, support, and neighbors helping neighbors. That’s why we’re excited to be part of this Saturday’s Parade of Garage Sales!

Whether you’re searching for hidden treasures, meeting new people, or simply enjoying a day out in the neighborhood, this community-wide event is a wonderful way to support local families and bring our community together.

Grab your friends, map out your route, and join us this Saturday for a day of great finds and community spirit. We can’t wait to see you there!

06/08/2026

Read our Mortgage Refinancing Guide 👇
https://lacroixmortgagegroup.com/resources/mortgage-refinancing-guide-alberta

🏡 Thinking about refinancing your mortgage in Alberta?

Refinancing could help you:
✔ Lower monthly payments
✔ Consolidate debt
✔ Access home equity
✔ Fund home renovations

But refinancing is not one-size-fits-all.

Before making changes to your mortgage, it’s important to understand:
• possible penalties
• fees involved
• your home equity
• your long-term financial goals

Many Alberta homeowners refinance to create more breathing room in their monthly budget 💰

If you’re feeling stretched by debt or rising costs, refinancing may be worth exploring.

Have questions about your mortgage options? Send us a message anytime.

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

Send a message to learn more

06/08/2026

We’re grateful to share some special news 🎉

Tim Lacroix has been ranked #52 on Canadian Mortgage Professional 2026 Top 75 Mortgage Brokers in Canada and was also recognized in the Top 20 Small Markets category.

This is a meaningful honour for our team, but more than anything, it is a reflection of the people who trust us.

To our clients, referral partners, friends, family, and community — thank you.

Every mortgage file has a story behind it.

A first home.
A renewal strategy.
A refinance to create breathing room.
A move-up purchase.
A family starting over.
A self-employed client needing the right lender fit.

We never take that trust lightly.

Our goal has always been simple: provide clear advice, practical options, and steady guidance so people can make confident mortgage decisions.

Recognition like this is appreciated, but the real reward is helping people move forward with a plan that fits their life.

Thank you for being part of the Lacroix Mortgage Group journey. We’re honoured to keep serving our clients across Alberta and beyond.

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