What are the opening hours?

Monday 9am - 9pm Tuesday 9am - 9pm Wednesday 9am - 9pm Thursday 9am - 9pm Friday 9am - 9pm Saturday 12pm - 4pm Sunday 12pm - 4pm

Leslie Joy Cairns - Joy In Mortgages - Keystone Mortgage Corp.

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Canada
Edmonton, AB
Leslie Joy Cairns - Joy In Mortgages - Keystone Mortgage Corp.

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Accredited Mortgage Professional with a passion for educating and building long-term relationships. As your life changes, I will be here for advise ��

11/04/2026

What exactly is a reverse mortgage?

If you are 55 and older, it is a simple and sensible way to unlock the value in you home and turn it into cash to help you enjoy life on your terms. You receive the money tax-free. It is not added to your taxable income so it does not affect Old Age Security or Guaranteed Income Supplement government benefits you may receive.

No regular mortgage payments are required while you or your spouse live in your home. The full amount becomes due when you and your spouse no longer live there. You keep all the equity remaining in your home. You will never be asked to move, sell or repay your Reverse Mortgage. All that is required is that you maintain your property and stay up to date with your property taxes, fire insurance and condominium or maintenance fees while you live there.

Contact me today
780-570-5457
[email protected]

11/02/2026

Also known as a borrowed down payment.

The "Flex Down" mortgage makes it possible for borrowers who haven't saved their full down payment to start building equity now.

This insured mortgage product is a fit for someone with a higher credit score (must be over 680+) and has the ability to handle the mortgage payment, as well as the new payment they will have on the line of credit they borrowed from.

If you would like to know if you qualify for a borrowed down payment:
Contact me at 780-570-5457 or [email protected]

10/31/2026

The scariest thing this Halloween? 👻 Not ghosts… It's not knowing your mortgage options!

Whether you're buying your first home, renewing, or refinancing, let's take the fear out of financing. 🏡

💬 Send me a message and let's make your next move a little less spooky!”

10/28/2026

When you get pre-approved, how long does the approval last?

Answer: up to 120 days
At that time, I can secure a new rate hold and repeat the process until you find the home you're ready to purchase!

When you do find that home, we will need to collect updated documents confirming nothing has changed with your income, down payment and credit since you first applied.

If you are ready to get pre-approved, contact me today!

Call: 780-570-5457
Email: [email protected]

10/26/2026

What type of mortgage is best for you?

Did you know there are different types of mortgages and lending options out there? As a broker, this is exactly why I am here: to assess, recommend, and educate you on the best option for you and your family.

With over a decade in the industry and loads of experience with all sorts of situations, I will advise you on what mortgage options are perfect for your specific needs.

Call: 780.570.5457
Email: [email protected]

10/23/2026

I am here for you!

With over 15 years of experience, I have developed relationships with multiple lenders across Canada. This allows me to negotiate for the perfect mortgage product for your financial situation.

If you are looking for the perfect mortgage, pick up the phone and call Leslie at 780-570-5457.

10/21/2026

Thank you for taking the time to give me a 5-star review. I look forward to working with you again in the future.

10/19/2026

Why should you use me as your mortgage broker?

I understand that everybody comes from different walks of life and may be in different situations; therefore, they would require different mortgage needs..
I understand that over the years, your mortgage needs may change.
That's why I love being a broker: I can stay committed to providing the right solution to you over the years.

I don't work banker's hours either. I will make time for you, even if that means evenings or weekends.

I take the stress out of choosing the best mortgage for your needs by providing advice on the mortgage options available to you.

I consider the interest rate, payment privileges, payment penalties, long-term savings, family goals and much more while working for you! 👊

With over 10 years of experience, I have built relationships with multiple lenders so I can get the best mortgage and lock it in for 120 days.

My service is of no cost to you either, I am paid by whichever bank is the best choice for you.
This makes it a win-win for everyone.
I love what I do. ❤

If you are looking to make your home buying experience a little easier, contact me today.

We'll keep in touch over the years for annual reviews, renewals or referrals.

Call: 780-570-5457
Email: [email protected]

10/16/2026

This is good news, but we are not quite there yet!

A conditional approval means you have been issued a mortgage commitment from a lender/bank, but a few conditions remain. So DON'T WAIVE THE CONDITION OF FINANCING JUST YET!

Some of your mortgage conditions may be basic documents to confirm your income, verification of down payment or even proof of payment of a debt.

Don't sweat it; I will talk you through all the conditions.

If you are looking for mortgage advice, contact me at 780-570-5457 or [email protected]

10/14/2026

Wondering how much you can borrow to buy a home?

Make an appointment so we can crunch the numbers to see what you can be pre-approved for. The first step to buying a home is to give me a call at 780-570-5457

Address

2852 Calgary Trail NW
Edmonton, AB
T6J6V7

Opening Hours

Monday	9am - 9pm
Tuesday	9am - 9pm
Wednesday	9am - 9pm
Thursday	9am - 9pm
Friday	9am - 9pm
Saturday	12pm - 4pm
Sunday	12pm - 4pm

Telephone

+17805705457

Website

https://www.joyinmortgages.ca/

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