Michele McGarvey Mortgage Team

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Canada
Edmonton, AB
Michele McGarvey Mortgage Team

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We care about you and what’s important to you for your home ownership goals. Excellence is more than just a word.

It is what you’ll come to expect from the professional care I provide. With over 25 years in the financial industry, my extensive knowledge of mortgages, as well as the real estate industry as a whole, have provided me with the tools necessary to listen to my clients, understand their needs and know the right questions to ask to provide the best recommendations. In working closely with my clients’ team, I ensure their home-buying experience is comfortable and informative by utilizing a personalized policy of continuous availability for all involved—whether one-on-one, or remotely. Making dreams come true through home ownership is a daily reward for me, but it’s a responsibility that I take quite seriously. Your home is one of your largest assets and any process surrounding it deserves the most professional care. Whether you are buying or selling, refinancing, renovating, or considering options to pay down your mortgage, I have the knowledge and experience to ensure your mortgage experience is the best it can be.

11/03/2026

Register Here:
https://shorturl.at/OigPN

Online Event
Tue, Nov 3
11:00 AM - 11:45 AM MST
Join us for this presentation where you will learn practical strategies to help lowering your bills. We’ll dive into why budgeting matters, how to create and track a realistic budget, and tips for managing expenses. You’ll walk away with actionable steps to avoid overpaying, and finish the year financially strong.

What you will learn:
- Understand the importance of budgeting.
- Learn a 5-step process for creating a budget.
- Discover practical tools and techniques.
- Apply strategies to align spending with personal values.

11/02/2026

The best part of what we do is knowing we've made a positive difference for the people we work with.

We're always grateful when clients take a moment to share their experience. Thank you for choosing our team and allowing us to be part of such an important financial milestone!

587-520-8454
[email protected]

10/30/2026

Wishing everyone a spooktacular Halloween weekend! 🎃👻

Whether you're heading out for some trick-or-treating, enjoying a Halloween party, carving pumpkins, or simply settling in for a cozy night, we hope your weekend is filled with plenty of fun, laughter, and a little Halloween magic!

Stay safe, have fun, and enjoy every spooky moment! 🧡

Happy Halloween from all of us at the Michele McGarvey Team!

10/29/2026

Register Here:
https://shorturl.at/WYLEY

Online Event

Thu, Oct 29
11:00 AM - 11:45 AM MST

Your Financial Wellness Program is more than just a benefit — it’s your all-in-one toolkit for taking control of your money and building long-term financial security. From self-paced online courses and live training sessions to powerful financial planning tools and complimentary one-on-one coaching with accredited professionals, everything you need is right at your fingertips. This quick orientation will show you exactly how to make the most of these resources. You’ll see how our clear, practical, and unbiased guidance can help you make smarter money decisions. With over 350,000 Canadians already benefiting, this program has proven to be a true financial game changer. Join us live and discover how to launch your own journey toward lasting financial confidence and freedom.

10/28/2026

The Bank of Canada has raised its overnight policy rate by 0.25%, bringing it to 2.50%. This marks the first rate hike since July 2023.

This affects the variable rate mortgages prime rate, which moved from 4.45% - 4.70%.

The Bank has also indicated that further increases may be needed, making it important to stay informed about what could be ahead.

Curious what this means for you?

587-520-8454
[email protected]

10/27/2026

Register Here:
https://shorturl.at/4PXuV

Online Event
Tue, Oct 27
11:00 AM - 11:45 AM MST

The factors affecting retirement planning are constantly changing: savings rate, inflation, investment performance, interest rates, real estate values, retirement age, job loss or illness, and more! There will always be uncertainty, but knowing your options and laying down a roadmap to get you started and stay on track will help alleviate much of that uncertainty. You will learn to use the online tools in your Employee Financial Wellness Program to quickly and easily analyze various retirement scenarios. It doesn't matter if you're 25 or 55, the practical information and actionable advice in this session will get you started… or help you dig in on your current plan and see if you are on track to make your retirement dreams a reality.

What you will learn in this presentation:
a) The critical personal finance numbers and metrics you need to know and track for early retirement.
b) How pensions work and their role in your retirement plan.
c) Alternative investment options for generating passive income.
d) How to create a concrete retirement plan for a secure financial future.

10/26/2026

Did You Know There’s More Than One Type of Appraisal?

When applying for a mortgage, your lender may need to determine your property’s value. But did you know there are several ways to do this?

Here’s a quick breakdown of the four common appraisal types:

1. Automated Valuation Model (AVM)
Uses property data and market information to estimate your home’s value electronically, often within seconds.

2. Desktop Appraisal
An appraiser reviews available records, property photos and recent comparable sales without visiting your home.

3. Drive-By Appraisal
Combines property research with a brief exterior observation. The appraiser views the outside of your home but doesn’t enter it.

4. Full Appraisal
An appraiser visits the property to assess both the interior and exterior, considering its condition, features, renovations and comparable sales.

So, which type will you need?

That depends on your property, the purpose of your mortgage application, available market information and your lender’s requirements. Sometimes, a lender may request a more detailed appraisal if the initial valuation doesn’t provide enough information.

10/23/2026

Some mortgages are portable, meaning you may be able to transfer your existing mortgage to another property, subject to your lender's terms and approval.

Thinking about a move? Before making any decisions, let's chat about your mortgage options and see what might work best for you!

587-520-8454
[email protected]

10/22/2026

Ever wonder how much your monthly payment might change if you adjusted your down payment, chose a different amortization, or explored another interest rate?

You don’t have to wonder what the numbers might look like!

Our mortgage calculator lets you explore different scenarios, compare estimated payments, and see how a few changes could affect your mortgage.

Whether you’re planning for your first home, considering your next move, or simply looking ahead, it’s a handy tool to help you explore your options at your own pace.

Give it a try and see what the numbers tell you!

https://dlcapp.ca/app/michele-mcgarvey/download

Address

260 91st Street SW
Edmonton, AB
T6X1W8

Website

https://linktr.ee/michelemcgarvey

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