Ryan Mercado - My Mortgage Broker

06/04/2026

Thank you Yakap Alberta Foundation for the recognition and for letting us be part of the 128th PID Celebration!

We appreciate the trust and look forward to helping more families achieve their homeownership goals.

Thank you to Ryan Mercado and Zenaida Singh Licensed Mortgage Brokers, for your valued partnership during the 128th PID Celebration.

We truly appreciate your support in helping strengthen community connections and making this event a success. Your professionalism and dedication to understanding client needs—from first-time homebuyers to those upgrading their homes—continues to make a meaningful impact.

If you are looking for trusted mortgage brokers who genuinely listen and guide you through every step of your home financing journey, feel free to connect with them directly.

05/31/2026

Closing May with 2 Possessions and 1 Mortgage Approval!

May wrapped up with three exciting milestones for three amazing families on their homeownership journey.

Possession Completed #1
A first-time homebuying family is now officially homeowners! Through proper planning and structuring of their mortgage application, we were able to turn their long-time dream of owning a home into reality.

Possession Completed #2
Another young first-time homebuyer received the keys to his new home. He was initially hesitant about taking the leap, but today he's a proud homeowner and excited for this new chapter.

Mortgage Approval Secured
A first-time homebuying family who moved from Ontario to Edmonton just about two years ago has now secured their mortgage approval. After settling into their new city, they're taking the next step into homeownership. Possession coming soon!

Ryan Mercado 780-729-2254

05/19/2026

Last week was an amazing week with 4 possessions completed! It’s always rewarding to see clients reach this milestone and finally get the keys to their new homes. Here’s a quick recap:

Possession completed for a young first-time home buyer.
A huge congratulations to Ryan on reaching this exciting milestone. Purchasing your first home is a big achievement, and I’m grateful to have been part of the journey.

After helping this family purchase their first home in 2023, I had the opportunity to help them once again secure their next home.
Congratulations, Leah and Ricky! It’s always special to work with returning clients and see families continue growing and reaching new goals. Thank you for trusting me again with such an important step.

Another first-time home buyer successfully secured their new home.
Congratulations, Alpana and Shalvindar! Becoming homeowners is a major accomplishment, and I’m excited to see you begin this next chapter. Wishing you both happiness and success in your new place.

Another first-time home buyer secured his first home in Edmonton while working in Ontario.
Congratulations, Ronell! Even while working away in Ontario, you took an important step toward homeownership and created a place to call your own whenever you’re back in Edmonton.

Ryan Mercado 780-729-2254

05/09/2026

The first week of May was a busy one — and I’m grateful to be part of these milestones. 

Possession completed for a client and her family as they officially take possession of their second property. We’ve been planning this move for over a year, and seeing it finally come together is incredibly rewarding.

3 mortgage approvals secured, with possessions coming up soon:

A first-time home buyer based in Ontario purchasing his very first property in Edmonton. Yes — there are solutions available to use out-of-province income for Edmonton purchases.

Another first-time home buyer choosing ownership over continuing to rent. Excited for this young client’s next chapter.

One more young first-time buyer officially making the move from renting to owning his first home.

If you’re wondering what options may be available for your situation, feel free to reach out.

Ryan Mercado 780-729-2254

05/07/2026

Think you need 20% down to buy your next home because you already own one?

Not always.

Many homeowners are surprised to learn they may still qualify to purchase another property with as low as 5% down payment — depending on the situation.

This can apply to:
✔️ Moving to a bigger home
✔️ Relocating for work or family
✔️ Keeping your current home as a rental
✔️ Buying a home for a family member
✔️ Downgrading to a smaller home

Every situation is different, and the strategy matters. The right mortgage structure can make a huge difference in your approval and monthly cash flow.

If you want to know what options may be available for you, send me a message and I’ll walk you through it.

Ryan Mercado 780-729-2254

04/29/2026

Buying your first home can feel overwhelming—especially if you’re not sure if you qualify yet.

A lot of people think they need:
• A perfect income
• Years in their job
• A huge down payment

But that’s not always the case.

With the right strategy and proper planning, getting approved as a first-time home buyer is more possible than most people think.

You don’t need a perfect situation — you just need the right plan.

If you’ve been renting and wondering if it’s your time to buy, message me and I’ll walk you through your options.

Ryan Mercado 780-729-2254

04/24/2026

Big couple of weeks on this end!

5 approvals secured (possessions coming up)
2 homes officially closed

Grateful to be part of these milestones. Here are some highlights:

Approval 1
A young first-time buyer stepping into her very first home!
Even better — she found a property with a legal basement suite, and through our lender’s program, we were able to boost her purchasing power beyond the standard qualification.

Approval 2
First-time home buying family approved!
Both husband and wife are on the application, with the wife working as a massage therapist (employment + contractor income). We were able to properly structure her variable income and secure the right solution.

Approval 3
Family getting back into homeownership after selling just over a year ago!
The wife is currently on maternity leave, but with a clear return-to-work plan, we were able to move forward with the approval.

Approval 4
Young first-time buyer working as an insulator!
Less than 2 years on the job, but we were able to maximize his income for qualification. Strong savings and smart investing made a big difference.

Approval 5
Another young first-time buyer!
Originally planning to rent, but with the right guidance from the people around him, he made the move to buy instead — now taking possession of his first property soon.

Closing 1
After months of waiting, a family on a work permit secured their first home in La Corey!
Excited to see them start building their roots there.

Closing 2
Repeat clients are always special!
They sold their property from out of province, converting the home I helped them purchase last year into a rental, and upgrading into a new home with a legal basement suite already tenant-ready.

Ryan Mercado 780-729-2254

03/31/2026

Closing out March with TWO big wins! 

Win #1
Helping a first-time homebuying family make a huge move from Ontario to Edmonton!
We made it work so they could use their Ontario job income to buy their first home in Edmonton as their primary residence — all with just 5% down 🙌
A big milestone and an even bigger new beginning for this amazing family.

Win #2
Mortgage approval secured for a first-time homebuying couple I’ve had the pleasure of working with since last year.
Because they planned ahead and stayed prepared, the process was smooth, stress-free, and successful 

Ryan Mercado 780-729-2254

03/23/2026

March is closing strong!

The past couple of weeks have been a reminder of why I love what I do—helping clients make strategic moves, not just transactions.

Here’s a quick recap:

Smart First-Time Buyer Strategy
A first-time buyer secured his home—and he’s already thinking ahead. The plan: build a legal basement suite to generate future rental income. Buying is step one, building income is the next level.

First-Time Home Buying Family
A huge milestone—this family officially secured their first home. From planning to approval to closing, this was all about setting a strong foundation and making sure they stepped into homeownership with confidence.

Repeat Client Win (3rd deal in under 2 years)
When clients keep coming back, it means everything. Completed a refinance on their rental property, unlocking equity to fund renovations and future investments. This is how you build long-term wealth in real estate—leveraging what you already have.

Another Approval Secured
One more first-time home buying family is officially approved, with possession just around the corner. This file required extra care—one borrower had recently started a new role with no guaranteed hours, so structuring and presenting the income properly was key to getting this approved.

Ryan Mercado 780-729-2254

03/07/2026

FIRST WEEK OF MARCH: 5 MORTGAGE WINS!

Grateful to help more families make big moves toward homeownership and wealth-building. Here’s this week’s recap:

2 Mortgages COMPLETED
1️⃣ First Home Possession Completed
This one’s special. They tried buying before and were unsuccessful.
With the right preparation and proper structuring, we got it approved!
2️⃣ Mortgage Transfer Completed
Client secured a better rate than their renewal offer
Insured-rate pricing, even though their mortgage was conventional/uninsured.

3 Mortgage APPROVALS — Possessions Coming Up
1️⃣ First-Time Homebuyer Family
They prepared patiently, stayed disciplined, and now they’re ready to stop paying rent and start building equity as homeowners.
2️⃣ First Home in Edmonton — From Ontario
Made it work for the whole family so they can own their first home here in Edmonton while the husband continues working in ON. Distance didn’t stop the dream.
3️⃣ Growing the Real Estate Portfolio
Just 13 months ago, I helped this family move from NB and secure their first Edmonton property.
Now they’re buying a brand new home and converting their first property into a rental. Wealth building in motion.

Big or small — every file is personal.
Honored to guide families through these milestones.

Ryan Mercado 780-729-2254