Mortgage Engineer

Mortgage Engineer Hi, I’m Raeann Lefebvre, the Mortgage Engineer. Each person’s situation is completely unique.

I specialize in building customized mortgage solutions for my clients based on their current needs and their plans for the future. Building customized mortgage solutions for clients based on their current needs and their plans for the future.

Don't Auto-RenewYour lender sends a renewal offer.Should you sign it?Maybe.Should you review your options first?Absolute...
06/01/2026

Don't Auto-Renew

Your lender sends a renewal offer.

Should you sign it?

Maybe.

Should you review your options first?

Absolutely.

if you need help reviewing your mortgage and seeing if it work with your future financial goals, contact me at 780- 780-914-2620 or email [email protected]

What is a Purchase Plus Improvement Mortgage?A purchase plus mortgage helps qualified home buyers carry home improvement...
05/29/2026

What is a Purchase Plus Improvement Mortgage?

A purchase plus mortgage helps qualified home buyers carry home improvement costs into their mortgage with as little as 5% down. It is for borrowers who want to make improvements to their home immediately after taking possession of the purchased property, the Purchase Plus Improvements Program allows you to do so with one manageable mortgage.

Some of the requirements are:
- The improvements have to increase the value of your home.
- You will need an estimate to be approved by the lender.
- You need to pay for the improvements upfront, and the lender will reimburse you
when completed.

If you find a home that would be a perfect fit, but needs a little love, contact me today to see if this is the right product for you.

Call: 780-914-2620
Email: [email protected]

Are you buying your first house this year? If the answer is yes, you should explore our government’s programs to see if ...
05/27/2026

Are you buying your first house this year? If the answer is yes, you should explore our government’s programs to see if they can provide assistance.

There are 2 that may benefit you:

1)First-Time Home Buyer Incentive (FTHBI): This national program helps first-time homebuyers with a shared-equity mortgage, where the government contributes 5% or 10% of the home’s purchase price to lower your monthly payments.

2)Home Buyers’ Plan (HBP): You can withdraw up to $35,000 from your RRSP for a down payment, tax-free, as long as you repay it within 15 years.

If you have any questions about buying your first home, contact me today!

Call: 780-914-2620
Email: [email protected]

Are you looking for a mortgage with flexibility?An open mortgage allows you to make penalty-free partial or full princip...
05/25/2026

Are you looking for a mortgage with flexibility?

An open mortgage allows you to make penalty-free partial or full principal payments anytime. This is ideal if you don’t know how long you will be living in one place or if you are getting a large amount of money shortly.

If you think this may be the right mortgage product for you, call me today at 780-914-2620 to see if you qualify.

Fun Fact Friday!Loan-to-Value is the ratio of your mortgage loan compared to the value of your house.If you have a loan-...
05/22/2026

Fun Fact Friday!

Loan-to-Value is the ratio of your mortgage loan compared to the value of your house.

If you have a loan-to-value or “LTV” of 95%, you have a 5% equity or down payment in the home and a mortgage loan for the remainder.
This is considered a high ratio or insured mortgage.

Having an LTV of 80% means you have 20% equity within the home.
This is considered a conventional mortgage.

If you are in the market for a new mortgage or a renewal, contact me today!

Call: 780-914-2620
Email: [email protected]

It is a beautiful day to go after your dreams.If your dream is to buy a new home, your first step should be to get pre-a...
05/20/2026

It is a beautiful day to go after your dreams.

If your dream is to buy a new home, your first step should be to get pre-approved.

Call me - Raeann, today to make an appointment at 780-914-2620.

Owning a home is one way to build equity. Over time as you make mortgage payments, which is investing in your property a...
05/19/2026

Owning a home is one way to build equity. Over time as you make mortgage payments, which is investing in your property and will benefit you in the long run.

If you are wanting to invest in a property, give me a call at 780-914-2620 and I can help.

No matter which way the real estate market is leaning, buying now means you can start building equity immediately.Call: ...
05/15/2026

No matter which way the real estate market is leaning, buying now means you can start building equity immediately.

Call: 780-914-2620
Email: [email protected]

Mortgage rates are on the rise.Did you know you can lock in an interest rate for up to 120 days. You do not have to stay...
05/11/2026

Mortgage rates are on the rise.

Did you know you can lock in an interest rate for up to 120 days. You do not have to stay with your current lender. You can transfer your mortgage to a lender with a better rate or product for you.

If you need help finding a lender to fit your specific needs, contact me today.

Call: 780-914-2620
Email: [email protected]

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Edmonton, AB

Telephone

+17809142620

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