Mortgages By Candace

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Canada
Edmonton, AB
Mortgages By Candace

Candace LeClair with Mortgageline Powered By Mortgage Architects
Designing a mortgage that is right for you.

Working for you, not the Banks

Markets Served: Edmonton and surrounding areas

Hello and welcome! Throughout my years in the mortgage industry, I have helped many people achieve their dreams of home ownership and financial security. I develop mortgage plans for my clients that often begin with their first purchase and carries them to their next mortgage need, whether it's for a trade up home, rea

l estate investing, vacation property, or debt consolidation. And that's probably why my business is built primarily through referrals from satisfied clients. With access to more than 50 financial institutions including major banks, credit unions, trusts and other national and regional lenders, I can get mortgage financing for almost any situation, although my service is more than just placing your mortgage with a lender. There are no fees for my consultations, planning and mortgage placement (oac). The lender we decide on pays compensation for the services and solution provided, and only after your mortgage has closed. Your mortgage is a big decision and a powerful financial tool. I look forward to helping you achieve your financial and homeownership goals!

03/21/2024

If you're seeking a mortgage, be prepared for a thorough examination of your financial situation.

Here are the three critical factors that will be examined:

Income Verification: Your income stability is paramount. Demonstrating a consistent and reliable source of income assures us of your ability to manage mortgage payments effectively.

Financial Stability & Money Management: Maintaining financial discipline is crucial! Your spending patterns and overall financial stability will be examined to gauge your readiness for homeownership.

Debt-to-Income Ratio: It's a critical metric! We'll assess your DTI ratio to determine how much of your income is committed to debt payments. Keeping this ratio in check is essential for securing loan approval.

Ready to navigate the mortgage process with confidence? Let's connect today and explore your options together!

03/14/2024

Remember those days playing in the backyard or gathering around the dining table? Your childhood home holds countless cherished memories.

What part of the home you grew up in still brings a smile to your face today?

03/09/2024

Don't forget to spring forward tonight! Daylight saving time begins, meaning it's time to set your clocks ahead by one hour. While we gain daylight, we sacrifice a precious hour of sleep. ⏰

03/08/2024

Today and every day, we celebrate the strength, resilience, and achievements of women worldwide. Happy International Women's Day! 💪🌟

03/06/2024

No change on interest rate as Bank of Canada sticks to 5%

If you have any questions or concerns about how this rate may impact you, please don't hesitate to reach out. We are here to help you understand and navigate these changes.

02/26/2024

Don't let age or time hold you back from pursuing your dreams. You are never too old to set a new goal or dream a new dream. Embrace your passions and chase after them with all your heart.

Life is too short to live with regret or wonder 'what if?' Remember that there is always time to change and create the life you want.

So go ahead, set that new goal or dream that new dream. You've got this!

02/21/2024

Contemplating your living space can reveal a lot about your needs and desires.

Are you longing for more room to grow, or maybe you're simply curious about what other homes are out there? Perhaps a new location is calling your name. Whatever your thoughts, let's open up the conversation and explore the possibilities that could lead to your ideal home.

It's all about finding that perfect place that aligns with your life and dreams.

02/14/2024

Call me in November if you need more room for a crib. 👶 🍼 🏡
Happy Valentine's Day!

02/07/2024

Thinking of upgrading but your low interest rate is holding you back? There's a smart move for that! 🏠💡

Keep your current home and use its equity for a down payment on your next one. Convert it into a rental to cover expenses and even earn extra for your new mortgage.

Plus, negotiate an interest rate buydown on your new property. This way, you're not just moving homes, you're stepping into real estate investment, building equity in two properties while keeping your favorable rate.

Intrigued? Let's craft a wealth-building strategy that suits you.

01/24/2024

No change on interest rate as Bank of Canada sticks to 5%

https://buff.ly/4bcuRCu

If you have any questions or concerns about how this rate may impact you, please don't hesitate to reach out. We are here to help you understand and navigate these changes.

01/15/2024

📣 Attention Alberta Landlords !! 📣
Interest on security deposits

Landlords can require a security deposit, sometimes referred to as a damage deposit, from their tenants when they move into rental premises. Since January 1, 2009, the interest rate on security deposits has been 0%. For 2024, the interest rate is 1.6%.

For more information visit...
https://buff.ly/41Y3wj8.

01/10/2024

What a way to end the year!
Exceptional accomplishments of our top 5 Agents at Mortgageline throughout the month of December!
Additionally, I want to extend my deepest gratitude to all the incredible clients I've had the privilege of assisting in the past month. Your trust and support mean the world to me!

Address

Edmonton, AB

Website

http://www.mortgagesbycandace.com/

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