Melodie Krawchuk - Mortgages With Melodie

06/05/2026

05/25/2026

04/14/2026

STOP.

Are you telling me I could be applying for a mortgage with a wheel of cheese instead of hunting for one more missing document?

Canadian mortgage process:
income
assets
liabilities
credit
documents
more documents
one more document you forgot

Italian cheese bank process:
bring a wheel of cheese

I’m not saying one is better.
I am saying one comes with crackers.

And yes, this is a real thing.

An Italian bank has actually accepted whole wheels of Parmigiano Reggiano as loan collateral. It works because the cheese is valuable, has a long shelf life, must age for at least 12 months, and can become more valuable over time

04/13/2026

I called a past client last week for her Annual Mortgage Check-Up (a review I do every year for all my clients) and was shocked to find out her bank had automatically renewed her mortgage at a rate that was way too high.

$347/month. $4,164/year. Money left on the table.

This scenario plays out more often than you'd think, mainly because nobody checks.

But I'm here to help. 💛

My free Annual Mortgage Check-Up asks the questions your bank doesn't want you to:
👉 Can you reduce your monthly payments?
👉 Could you pay off your mortgage sooner?
👉 Is there untapped equity?

If it's been more than a year since your mortgage was reviewed or you want expert advice, drop a 🏡 below or send a DM. I'm here to help!

📞 403-437-9674
🔗 mortgageswithmelodie.com (link in bio)
· · · · · SaveMoney · MortgageRenewal · CalgaryRealEstate · YYC · FirstTimeHomeBuyer · MortgageBroker · AnnualMortgageCheckUp

06/21/2025

Trying to time the market? 🕰️

📉 2020: $492,222
📉 2023: $620,309
📈 2025: $678,217

Price dips happen, but those pandemic lows are long gone.

One thing is certain: history and stats show real estate keeps going up — even with temporary drops.

And these numbers prove it.

Let’s make a smart move based on today — not yesterday.

📞 403-437-9674
📩 [email protected]
🌐 www.mortgageswithmelodie.com

source: stats.crea.ca

06/20/2025

Government is my first thought….. what do you think? Good thing my industry would be safe.

06/20/2025

Mortgage arrears are still low at 0.22%,
but signs of strain are growing fast.

🔹 Missed payments are rising
🔹 Delinquencies up for mortgage + non-mortgage holders
🔹 Renewals are hitting harder than ever

If your rate’s coming up or your budget’s stretched...

Let’s build a plan before things get tight.

📞 403-437-9674
📩 [email protected]
🌐 www.mortgageswithmelodie.com

Albertamortgageadvice
source: canadianmortgagetrends.com, cba.ca

06/17/2025

Buying a home after separation?💔

You’re not alone — and yes, it’s possible. But there’s a process.

Swipe through to learn:
✅ When you can get started
✅ Why the separation agreement matters
✅ How one person can keep the home
✅ The truth about down payments
✅ And how a mortgage expert can help guide the way

This is a fresh start. Let’s make sure it’s a smart one.

📞 403-437-9674
📩 [email protected]

06/13/2025

Should you buy now… or wait?

The truth is, waiting could cost you more.

-> Rent keeps rising
-> No equity, no appreciation
-> Home values keep trending up

If you’re in this for the long game, now might be your best shot.

✅ Start building wealth
✅ Grow with the market
✅ Know what you can afford

Let’s figure out your next move.

📞 403-437-9674
📩 [email protected]

06/12/2025

NEW CMHC SURVEY OUT! ⚠️

Homeownership stress is rising — but so is optimism, first-time buyers, and smart money moves.

Swipe to see 5 key trends from CMHC’s 2025 Mortgage Survey that show where the market’s really heading.

Ready to get real mortgage advice? Message me today to get started!

📞 403-437-9674
📩 [email protected]
🌐 www.mortgageswithmelodie.com


Source: 2025 CMHC Mortgage Consumer Survey