TMG Kayla Evans

TMG Kayla Evans Mortgage Associate
at TMG The Mortgage Group

05/13/2026

What do the numbers look like to buy vs. rent in Calgary?

Disclaimer: this example is based on 5% down, 30 year amortization and an insured variable rate.

Some people might be surprised that the monthly costs of owning a home can be very comparable to renting one.

Now obviously, owning comes with upfront costs, maintenance, and responsibilities that renting doesn’t. I wouldn’t automatically say that buying is better for everyone.
But I do think a lot of people assume ownership is completely out of reach until they actually see the numbers side-by-side.

So, would a comparable like this make you consider buying?

05/07/2026

🚩 Red flag if your mortgage broker only tells you what you WANT to hear.

The right broker will have honest conversations with you — even when they’re awkward. Every broker values different things in the way they do their business. For me, I don’t just want to get you a mortgage but I want to make sure you’re set up for success also.

I will tell you if I think that house will make you house poor.
I will tell you if your credit is $* #%
I will tell you if lenders might have an issue with those questionable transactions on your bank statements.
I will tell you if that untraceable $20,000 deposit into your account looks sketchy af.

However, no matter how awkward it may be, it will NEVER come from a place of judgement. I want to work with you to come up with a game plan. Because what use is it to you, if I point out these ‘hard to talk about’ things but offer no solutions.

You deserve someone working with you that looks out for your future, not just a quick approval.

04/29/2026

This example highlights a clear benefit of working with a broker vs. the bank.

I don't mean to get spicy about this topic, but us mortgage people are on the constant defense about how our value add goes much beyond that 0.30% you might save on rate at the bank.

Between other brokers, lenders, underwriters and so on, we have an entire network behind the scenes that is working with us. Even on a Sunday!

Don't get me wrong, banks totally have their place. And they can offer a very competitive rate these days. In some cases, that might be the most important thing. Just don't expect that low rate to save you when life turns upside down over the weekend.

I say this with love.

Also, shoutout to our lenders 🧡
- K

You got preapproved… exciting!
But what actually happens next?There’s a lot going on behind the scenes once your offer i...
04/26/2026

You got preapproved… exciting!
But what actually happens next?

There’s a lot going on behind the scenes once your offer is accepted. As a new home buyer, you already have a million other things to worry about - packing, money, address changes, etc. While the mortgage side of things is an important part, it shouldn’t be an added contributor to your worries.

This is why having a good broker is incredibly important - we keep everything moving smoothly so you don’t have to stress about it.

So, what exactly is happening behind the scenes? Here’s what that process looks like.

Save this so you know what’s coming next ✅

04/21/2026

No pigs were harmed in the making of this video 😌

PS. don't worry, I'm really not offended if you choose another broker over me. There are so many amazing people out there that can help. At the end of the day, you must choose the person who is the best fit for you

04/20/2026

A behind the scenes day in the life of a mortgage broker ☺️

While every can look a little different, I'd say this is a pretty standard day for me.
A mix of admin, phone calls, working on client files, business building tasks (content planning, editing, etc,), more admin and reviewing files, getting deals approved, dog walk, gym and repeat.

I love being self-employed, and I'm so grateful I can work from home. But you truly are thinking about your work and business 7 days a week. The work never stops. IYKYK

04/16/2026

Ahh.. pre-approvals. One of the most necessary, yet one of the most misunderstood parts of the mortgage process. We'll discuss these top 5 frequently asked questions regarding preapprovals.

1. Does a preapproval lock in a rate?
2. Does a preapproval mean the same thing as an approval?
3. Does a preapproval affect my credit score?
4. Can I house shop with just my preapproval?
5. Why do preapprovals expire?

Save this video if you're planning to get pre-approved in the near future.

And as always, if you're interested in getting preapproved now, reach out 🫶

- K

04/14/2026

POV: Mortgage rates dropped. Now what?
The answer might not always be what you think.

04/10/2026

If your mortgage is coming up for renewal… this is your sign NOT to ignore it.
Renewal shock is a real thing.

Rates have change a lot. And what you’re offered isn’t always your best option.

My recommendation - don't just auto-renew because it's the 'easiest' option. Ask around, talk to your broker (or several brokers to get opinions), do your research. Make sure your best interests and goals are at the forefront of the conversation.

Reach out today, I'd love to help.

The cat is finally out of the bag! 🎉 life has taken a complete 180 over the past few months, but sometimes this world gi...
04/08/2025

The cat is finally out of the bag! 🎉 life has taken a complete 180 over the past few months, but sometimes this world gives you too many signs to ignore.

Meet your newest mortgage broker with TMG The Mortgage Group.

I've spent the past several months studying, getting licensed, attending conferences, taking courses, networking and learning from the best of the best - and I'm excited to finally put into practice the wealth of knowledge I've obtained.

Oh, and of course I have to mention that I have the best mentor in the business (my mom). Let's see how the Evans girls take over the mortgage world 👏

Can't wait to share the journey with y'all!

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Calgary, AB

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