Ryan Iannone & Shannon Lazorko, Mortgage Brokers, Mortgage Connection

Ryan Iannone & Shannon Lazorko, Mortgage Brokers, Mortgage Connection 587.436.2348 or 403.389.5202 Helping you find the right mortgage. Ryan Iannone & Shannon Lazorko are mortgage brokers in Calgary.

Let's bust a common mortgage myth.The lowest rate doesn't automatically mean the best mortgage.A mortgage with a slightl...
06/15/2026

Let's bust a common mortgage myth.

The lowest rate doesn't automatically mean the best mortgage.
A mortgage with a slightly lower rate could come with:
⚠️ Higher penalties if you break early
⚠️ Less flexibility
⚠️ Limited prepayment privileges
⚠️ Restrictions when refinancing

The best mortgage is the one that fits your goals, lifestyle, and future plans.

That's why we spend time understanding your situation before recommending a solution.
A mortgage isn't just about today, it's about the next 3, 5, or even 10 years.

Has this been the soggiest Calgary Spring or WHAT? 🌧️But hey...✅ At least our lawns are thriving✅ Your mortgage pre-appr...
06/12/2026

Has this been the soggiest Calgary Spring or WHAT? 🌧️
But hey...
✅ At least our lawns are thriving
✅ Your mortgage pre-approval doesn’t mind the rain
✅ The market’s still moving (even if your BBQ plans aren’t)

It’s still a good time to buy. Umbrellas up and house goals ON.

📊 Bank of Canada Holds Rate at 2.25%As expected, the Bank of Canada announced today that it is maintaining its key inter...
06/10/2026

📊 Bank of Canada Holds Rate at 2.25%

As expected, the Bank of Canada announced today that it is maintaining its key interest rate at 2.25%. This marks another rate hold as policymakers continue to balance inflation concerns with a slowing economy.

What does this mean for homeowners and buyers?

✔ Variable-rate mortgages remain unchanged for now
✔ Lines of credit are unaffected by today's announcement
✔ Fixed rates may still move independently based on bond market activity
✔ The focus remains on inflation, economic growth, and future market conditions

For Calgary buyers and homeowners, today's announcement provides some stability, but it's important to remember that mortgage decisions should be based on your personal goals and timeline, not just the latest headline.

Whether you're buying your first home, renewing your mortgage, refinancing, or investing, having a strategy matters more than trying to predict the next rate announcement.

Questions about how today's decision affects you? We're always happy to help.

06/10/2026

Thinking about buying a home in Calgary?
Before you book a single showing or start falling in love with listings on MLS, there’s one essential step: get pre-approved. 🏡✅

Here’s why a mortgage pre-approval is more than just a “nice to have”:
🔑 It tells you what you can actually afford – no more guessing or dreaming beyond your budget.
📄 It gives you negotiating power – sellers (and realtors) take pre-approved buyers more seriously.
📉 It protects you from interest rate hikes – lock in a rate for up to 120 days.
⏱️ It speeds up the process when you find the one—because paperwork is already underway.

But here’s the kicker:
A pre-approval isn’t a final approval. It’s a powerful tool, but your finances will still be reviewed in detail before you get the green light. That’s why working with a mortgage broker (hi, 👋🏼) who checks all the boxes before you start shopping is a game-changer.

Want to know what lenders are looking for in a 2026 pre-approval in Alberta? Let’s chat and get you set up for success. 💬

📍 Based in Calgary | Licensed across Alberta
📲 DM to start your homeownership journey

Why work with a mortgage broker?✔ Access to multiple lenders✔ More mortgage options✔ Expert guidance✔ Someone advocating...
06/08/2026

Why work with a mortgage broker?
✔ Access to multiple lenders
✔ More mortgage options
✔ Expert guidance
✔ Someone advocating for your best interests

We've got you covered!
☎️587.436.2348 or 403.389.5202
Helping you find the right mortgage.
Your Mortgage Guru YYC - Ryan Iannone & Shannon Lazorko

💰 Think lenders only look at your salary when you apply for a mortgage?Not quite.When it comes to qualifying for a mortg...
06/05/2026

💰 Think lenders only look at your salary when you apply for a mortgage?

Not quite.
When it comes to qualifying for a mortgage, lenders look at the full picture of your income, and depending on your situation, that could include much more than just your regular paycheque.

🏢 **Salary & Hourly Income**
If you're employed full-time, lenders will typically review things like pay stubs, employment letters, and tax documents to verify your income and employment stability.

📈 **Bonuses & Commission**
Earn bonuses or commission? Many lenders can use that income too. In most cases, they'll look at your earnings over the past couple of years to establish a reliable average.

💼 **Self-Employment Income**
Being your own boss comes with unique opportunities and challenges. Lenders generally review two years of tax returns and financial statements to understand your income pattern and business health.

🏘️ **Rental Income**
Own an investment property or planning to purchase a home with a legal suite? A portion of the rental income may be used to help strengthen your application and increase purchasing power.

📊 **Other Income Sources**
Depending on the lender, income from pensions, investments, child support, or other documented sources may also be considered.

Here's the important part: every lender has different guidelines. The way one lender views your income may be completely different from another.

That's why working with a mortgage broker can be so valuable. We help you understand how lenders are likely to view your unique financial picture and match you with the right options.

Have questions about your income and what you might qualify for? Reach out anytime. We're happy to help. 🏡

One of the lesser-known costs of buying a home happens before you even make your first mortgage payment.While your mortg...
06/03/2026

One of the lesser-known costs of buying a home happens before you even make your first mortgage payment.

While your mortgage starts on possession day, your first regular payment typically doesn't come out until a later date, often the following month. The period in between is called an Interest Adjustment Period, and it can result in a one-time interest charge that's due at closing.

For example, if you take possession halfway through the month, you may need to pay interest for those extra days before your regular mortgage payments begin.

It's not a huge cost, but it's one that can catch buyers by surprise if they haven't planned for it.

That's why we make sure our clients understand all of the costs involved before closing day. No surprises. No last-minute scrambling. Just a clear plan so you can focus on enjoying your new home. 🏡

💡 One of the most common questions we get is: "How do mortgage brokers get paid?"The answer surprises a lot of people.In...
06/01/2026

💡 One of the most common questions we get is: "How do mortgage brokers get paid?"

The answer surprises a lot of people.

In most traditional mortgage transactions, the lender pays the broker after the mortgage closes. That means you get access to professional advice, lender comparisons, and guidance throughout the process without paying a broker fee directly.

Think of it this way: instead of walking into one bank and hearing one set of options, a mortgage broker can help you explore solutions from multiple lenders and find the right fit for your situation.

Of course, every mortgage is unique. Certain private or specialized lending situations may involve fees, but those are always discussed upfront so there are no surprises.

At the end of the day, our job is to educate, guide, and advocate for our clients so they can make confident mortgage decisions.

Have questions about the mortgage process? Drop them below! 👇

🏙️ Calgary’s condo market is shifting in 2026 — and honestly, it’s creating opportunity for the right buyers.We’re seein...
05/29/2026

🏙️ Calgary’s condo market is shifting in 2026 — and honestly, it’s creating opportunity for the right buyers.

We’re seeing more inventory hit the market, which means buyers finally have something they haven’t had in a while: 👉 breathing room.

Compared to the chaos of the last few years, condo buyers now have:
✔ More selection
✔ More negotiating power
✔ More time to think before making decisions

For first-time buyers especially, condos may be one of the best entry points into Calgary real estate right now.
That said, strategy still matters.

Things like condo fees, reserve funds, building management, and long-term resale potential are becoming more important than ever in this market.

The takeaway?
This isn’t a “rush and panic” market anymore. It’s a “plan and think long-term” market.

And that’s where smart buyers win.

📲 Thinking about buying in Calgary this year? Let’s talk strategy.

☀️ Summer 2026 Mortgage Tip for Calgary Buyers:Don’t wait until fall to get pre-approved.Summer tends to feel slower in ...
05/27/2026

☀️ Summer 2026 Mortgage Tip for Calgary Buyers:
Don’t wait until fall to get pre-approved.

Summer tends to feel slower in real estate, which can actually work in your favour. In Calgary right now, we’re seeing more inventory, less pressure than peak spring, and buyers having a bit more room to negotiate.

That means summer can be a smart time to:
✔ Explore neighbourhoods without rushing
✔ Lock in a rate before future market shifts
✔ Understand your budget before competition picks back up

And with the next Bank of Canada announcement scheduled for June 10, 2026, staying ahead of rate movement matters more than ever.

A little preparation now can make a huge difference later.

Address

1121 Centre Street NW
Calgary, AB
T2E7K6

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