Cheryl Kelly- Welcome Home Mortgage

08/26/2026

Your credit score can make a BIG difference when applying for a mortgage.

Keeping credit card balances below 30%, lowering monthly debt payments, and managing your credit wisely can help strengthen your mortgage application.

Thinking about buying, refinancing, or just want to know where you stand before you apply? Let’s review your credit profile together. Give me a Call!

📞 780-926-9754
📧 [email protected]
🌐 welcomehomemortgage.ca

08/06/2026

Why are nearly half of first-time Canadian buyers choosing mortgage brokers over banks? Discover the surprising reasons — from better rates and flexible options to personalized guidance through complex lending rules. Read the full breakdown and get empowered for your next home purchase: https://wix.to/fBn5hi8

Why 48% of First Time Buyers are Skipping the BankHave you noticed how complicated buying real estate has become lately? Whether you are a seasoned homeowner looking to upgrade, a strategic investor expanding your portfolio, or someone finally ready to purchase a beautiful vacation property, navigat...

07/22/2026

🏡 Should you wait... or buy now and refinance later?

The truth is, waiting for the "perfect" interest rate could mean paying more for your dream home if prices rise.

Every family's situation is different, and that's why having a plan matters.

As a mortgage broker, I work with multiple lenders—not just one bank—to find a mortgage solution that fits your family's goals today while keeping your options open for tomorrow.

Whether you're:
✔️ Buying your first home
✔️ Moving into a larger home for your growing family
✔️ Wondering if now is the right time to buy

I'm here to help you understand your options and make a decision with confidence.

📞 Let's build a mortgage strategy that's right for your family—not just today's rates. Give me a call or send me an email to chat.

📱 780-926-9754
📧 [email protected]

07/22/2026

If you're a first-time homebuyer in Alberta, you're probably wondering if homeownership is still possible.

The good news? It is!

You don't need 1999 house prices to buy your first home—you just need the right strategy.

As an Alberta mortgage broker, I can help you:
🏡 Understand how much you can actually afford.
💰 Explore down payment options.
📋 Get pre-approved with confidence.
🤝 Compare mortgage options from multiple lenders—not just one bank.

Buying your first home doesn't have to be overwhelming. My job is to make the process simple, answer your questions, and help you find the mortgage that's right for you.

📩 Thinking about buying your first home? Let's chat! I'd love to help you take that first step toward homeownership!

Cheryl Kelly
Give me a Call @ (780) 926-9754
Email me @ [email protected]
Licensed through BRX Mortgage

07/15/2026

Bank of Canada Holds Rates Steady

As expected, the Bank of Canada has left its overnight rate unchanged at today's announcement.

What does that mean for Albertans?

🏡 If you're buying a home:
A rate hold provides more stability, but affordability is still impacted by home prices, qualification rules, and your overall financial picture—not just interest rates.

💰 If you have a variable-rate mortgage:
Your interest rate and payment (for most variable products) will remain unchanged for now.

🔄 If your mortgage is coming up for renewal:
Don't wait until your renewal notice arrives. Many lenders allow you to secure a rate months in advance while still benefiting if rates improve before your renewal date.

Every mortgage is different, and today's announcement doesn't affect everyone the same way.

If you're wondering:
✔️ Should I choose fixed or variable?
✔️ Is now a good time to buy?
✔️ What will my renewal look like?

I'm always happy to run the numbers and help you understand your options

📩 Send me a message or drop your questions in the comments.

Cheryl Kelly
Mortgage Broker
(780) 926-9754
[email protected]
www.welcomehomemortgage.ca

07/14/2026

🍁 Thinking about buying a home before fall? Now is the time to understand your numbers.

If purchasing a home is on your 2026 goals, don't wait until you find the "perfect house" to figure out what you can afford.

A quick mortgage review can help you:
✅ Know your buying power
✅ Understand your monthly payments
✅ Plan your down payment
✅ Identify any steps to improve your approval before you're ready to buy

The more prepared you are today, the more confident you'll be when the right home comes along.

If you'd like to know where you stand, send me a message. I'm happy to answer your questions and help you build a plan—no pressure, just honest advice.

📩 Let's make sure you're ready when the right opportunity comes along.

07/10/2026

Things just go better together. 🏡

A mortgage pre-approval + finding your dream home is one of them.

Getting pre-approved before you start shopping gives you:
✔️ A clear budget
✔️ Confidence when making an offer
✔️ A faster buying process
✔️ A competitive edge in today's market

Whether you're buying your first home, upgrading, or investing, I'm here to help make the process simple and stress-free.

Let's get you pre-approved so you're ready when the right home comes along.

📲 Visit WelcomeHomeMortgage.ca or send me a message to get started!

07/10/2026

Options are always available!

07/01/2026

🇨🇦 🇨🇦 Happy Canada Day! ❤️🤍

Whether you’re spending the day at the lake, at the golf course, around a campfire, watching fireworks, or enjoying time with family and friends, I hope your day is filled with laughter and great memories.

Owning a home is part of the Canadian dream for many families, and I’m grateful to help people take that next step every day.

Thank you to my amazing clients, referral partners, friends, and family for your continued trust and support.

Wishing everyone a safe and Happy Canada Day!

06/10/2026

🏡 WIN YOUR MORTGAGE PAYMENT!
One lucky winner could receive up to $2,500/month toward their mortgage or rent payment.

Want a chance to have your mortgage payment or rent covered by me? 💰

My brokerage, BRX Mortgage, gives away up to $2,500 per month to one lucky person.

If you know someone who is thinking about buying, refinancing, or simply wants to explore their mortgage options, connect them with me and I will enter YOU in the draw!

Someone is going to win- Why not you?

✅ Share with friends and family

✅ Visit WelcomeHomeMortgage.ca