Ryan Mercado - My Mortgage Broker

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Ryan Mercado - My Mortgage Broker

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Mortgage Broker at Legacy Mortgage Group

11/01/2026

4 Mortgage WINS to close out October!

- One finally got the keys.
- One got approved before starting her new job.
- One is upgrading to a bigger space with less than 20% down payment.
- And one family increased their buying power from $430K to $585K.

Here’s the October recap:

WIN 1 | FINALLY HOME!
Congratulations to my clients on taking possession of your brand-new home! After all the planning and waiting, you finally get to call it HOME.

WIN 2 | FIRST-TIME BUYER + NEW JOB + PPI
Full approval for a first-time home buyer moving from St. Paul to Fort Saskatchewan. We secured the approval before she starts her new employment and structured it through Purchase Plus Improvements to help with plans to complete a legal basement suite and future mortgage helper!

WIN 3 | TIME FOR A BIGGER SPACE!
Fully approved for her next home! A client is upgrading to a bigger space while keeping her current property as a future rental. You don’t necessarily need 20% down when buying your next primary residence. Less than 20% down may still be an option!

WIN 4 | $430K to $585K BUYING POWER
We started preparing with this first-time home-buying family early this year. Today, they’re fully approved! Using Purchase Plus Improvements and a lender program that considers future basement rental income helped increase their buying power from approximately $430K to $585K.

Different clients. Different challenges. Different strategies. One goal: getting you HOME.

Ryan Mercado 780-729-2254

10/18/2026

Learning more so I can serve better.
Investing in knowledge today to bring more value to my clients tomorrow.

10/17/2026

A short week doesn’t mean a slow week!

2 families received their keys
1 family received full mortgage approval

From Red Deer to Edmonton, it was another rewarding week helping first-time home buyers turn their plans into reality.

Congratulations to Jhoy & Thom on becoming homeowners in Red Deer! We’ve been planning for this since earlier this year, and I’m grateful you trusted me to guide you through your first home purchase.

Congratulations to Jeremie & Remon on taking possession of your first home in Edmonton! From starting the mortgage process just over a month ago to getting the keys, thank you for trusting me along the way!

And lastly, another full approval secured for a first-time home-buying family in Edmonton! Looking forward to possession day!

Ryan Mercado 780-729-2254

10/10/2026

October is off to a great start!

3 possessions completed + 2 more families fully approved.

A huge congratulations to Geoff on taking possession of his new home! Just 7 months after completing his first home purchase last March, he’s already onto the next one. This purchase also includes a Purchase Plus Improvements component to build a legal basement suite. Once completed, he’ll have 2 rental units from his previous purchase and another rental unit in his new home. Amazing progress in such a short time!

Congratulations as well to Bhel & Dennis on taking possession of their new investment property in Red Deer! I’m incredibly grateful to have been part of this journey, now their 3rd property purchase in just about 3 years.

And congratulations to Ejay & family! As a first-time home buyer, this is an especially exciting milestone for Ejay. After a long wait, you finally have the keys to your new home. I’m very happy to have been part of the process with you.

But October isn’t slowing down...

2 more full mortgage approvals secured for two families purchasing duplexes from each other. These were unique files. The families own a rental property in Nova Scotia, all working full-time in Nunavut, and they are now fully approved to purchase their homes in Edmonton.

Ryan Mercado 780-729-2254

09/30/2026

7 WINS to close out September!

3 Possessions Completed!
Three first-time home buyers officially became homeowners!

2 in Edmonton, AB
1 in Richmond Hill, ON

Congratulations, and thank you for trusting me with your journey!

4 More Full Approvals!
(1) From first home to an upgrade in just 7 months!
I helped this client buy his first home in March using Purchase Plus Improvements (PPI) to add a legal basement suite.

Now, just 7 months later, he's upgrading to a new primary residence and using PPI again to add a legal basement suite.

After possession, he'll have 3 rental units between both properties.

(2) 4 months of credit work paid off!
My Red Deer clients reached out in April. After working on their credit for four months, the clients improved their credit, found a home, and are now Fully Approved!

(3) Contract employment? We found a solution.
Another first-time home-buying family is fully approved after securing an exception for a borrower with a 10-month employment contract.

(4) Back to homeownership!
After temporarily renting following a move to Edmonton, another family is officially approved and will soon be homeowners again!

Thank you to all my clients and referral sources for the trust and commitment.

Ryan Mercado 780-729-2254

09/07/2026

3 wins in the first week of September!

2 Possessions closed in Edmonton, AB

1 Purchase approval secured in Richmond Hill, ON

Congratulations to Lyn & Don on becoming first-time homeowners! Their property includes a legal basement suite, a smart investment that can help offset mortgage costs and build long-term wealth.

Congratulations to Kelvin and family who successfully upgraded to a brand-new larger home, while turning his current property into a rental investment. A great step toward growing his real estate portfolio.

And one more win in Richmond Hill, ON! Looking forward to my first-time homebuyer clients taking possession later this month. It's been a pleasure helping you navigate the mortgage process and secure your approval.

Whether you're buying your first home, upgrading, or investing, the right mortgage strategy can make all the difference. Let's chat!

Ryan Mercado 780-729-2254

09/01/2026

Ending August with 4 BIG Wins!

3 First-Time Home Buyers officially took possession of their brand-new homes

1 Successful Refinance completed to help homeowners put their equity to work

The refinance allowed my clients to consolidate debt and access funds for much-needed home renovations, helping them build a stronger financial future.

Congratulations to Jel & Deo on taking possession of your beautiful new home as first-time home buyers! Thank you for trusting me to be part of this exciting milestone.

Congratulations to Ate Liz & Kuya Leo! Another amazing first-time home buyer success story. Taking possession of your brand-new home is a dream come true, and I am especially grateful for this day because we've been working toward this goal since 2024.

Congratulations to Jevi & Jouello! Yet another wonderful first-time home buyer family who has officially taken possession of their brand-new home. I'm honored to have helped you achieve this important milestone.

Moments like these remind me why I love what I do. Helping families achieve their homeownership goals and creating opportunities through smart mortgage solutions is incredibly rewarding.

Ryan Mercado 780-729-2254

08/08/2026

First week of August recap: 3 mortgage approvals!

A great start to August with 3 mortgage approvals—all for first-time homebuyers!

Every mortgage application is different. Here are some unique situations we were able to work through that may be similar to yours:

New to Canada + Work Permit + Temporary Employment
The client arrived in Canada this year and had less than 3 months with his current employer under a temporary employment designation. We were able to use his previous industry experience in the Philippines to support an exception and get his income accepted.

Newly Employed + Only 1 Pay Stub
Another borrower had just started a new job with only one pay stub available. By showing her relevant industry experience in Canada and overseas, we were able to secure an exception and move the approval forward.

Gifted Down Payment from Outside Canada
The majority of down payment came from gifted funds from outside Canada. Gifted funds can be acceptable, including funds coming from overseas—we just need to properly document and verify the legitimate source and transfer of the funds.

Sometimes a unique situation just needs the right mortgage solution.

Ryan Mercado 780-729-2254

07/31/2026

Wrapping up July with:
- 2 possessions completed
- 1 refinancing approved
- 3 first-time home buyer purchases approved

Congratulations to Joseph & Michelle on taking possession of your first home in Fort McMurray! We were even able to close your purchase before both of you started your new jobs.

Congratulations to Ate Evelyn & Kuya Reynaldo on your new home in Edmonton for your children! While continuing to live and work in Fort McMurray, you were able to purchase in Edmonton and use future rental income from your Fort McMurray property to help qualify. This file took some creative planning, but we made it work.

We also secured a refinancing approval, allowing my clients to use their home equity to consolidate debt and complete much-needed renovations.

Then to my three first-time home buyer clients whose purchases were approved this week, I can't wait to celebrate with you on possession day.

Thank you to all my clients for your trust.

Ryan Mercado 780-729-2254

07/25/2026

Need cash from your home? Here's the difference that could save you thousands.

Refinancing
- Replaces your current mortgage with a new, larger one.
- Best if you need a larger lump sum.
- May allow you to secure a lower rate (depending on current rates).

HELOC (Home Equity Line of Credit)
- Lets you borrow against your home's equity without replacing your mortgage.
- Borrow only what you need, when you need it.
- Pay interest only on the amount you use.

Which is better? It depends on your goals, current mortgage, and how much equity you have. The right option can save you money and provide more flexibility.

Thinking of renovating, consolidating debt, or accessing equity? Send me a message and let's find the option that makes the most sense for you.

Ryan Mercado 780-729-2254

Address

1230 91 Street SW
Edmonton, AB
T6X0P2

Telephone

+17807292254

Website

https://legacymortgagegroup.ca/

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