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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.

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

09/09/2026

A High-ratio (Insured) mortgage requires a down payment of less than 20%. You must purchase mortgage default insurance. We have 3 insurers in Canada. CMHC, Sagen and Canada Guarantee.

The benefits of mortgage loan insurance include the ability to get a mortgage with as little as 5% down on the purchase price.
It also ensures you're going to get the best rates!

The premium is calculated as a percentage of the mortgage based on the size of your down payment. Don't worry; the premium will be added to your mortgage and included in your payments.

The insurers in Canada offer several products that allow access to affordable housing across Canada.

If you want to learn more, connect with me today for a personal review.

Leslie Joy Cairns
780-570-5457
[email protected]

09/07/2026

What is the principal of your mortgage?

The principal is the amount of money you owe a lender on your mortgage, excluding interest.

If you have any questions about mortgages, contact me today!

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

09/04/2026

What are the 3 mortgage mistakes that could cost you thousands of dollars?

1) Only Shopping for the Lowest Rate
If you focus only on the lowest rate, it often comes with restrictive rules, such as high prepayment penalties, limited portability (moving your mortgage to a new home), or steep break costs. Evaluate the full product, including fees, flexibility, and penalties, rather than just the low rate.

2) Failing to Shop Around Lenders
If you accept the first mortgage offer or go exclusively to your primary bank, it rarely represents the most competitive deal on the market, costing you extra every month. Use a mortgage broker who can shop across different financial institutions to negotiate better pricing.

3) Changing Finances During the Approval Process
Don't open new credit cards, make large purchases, or switch jobs after receiving a pre-approval. Hard credit checks lower your score, and a higher debt-to-income ratio can cause a lender to re-evaluate or deny your final loan approval. Keep your financial profile completely stable until your mortgage officially funds and closes.

If you need help finding the perfect mortgage for you, contact me today!

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

09/02/2026

If you are planning on purchasing a house in the next 6 to 12 months, here is what you need to do:

Fix and Protect Your Finances
✅Check your credit score: Look for reporting errors and pay down outstanding balances. Lenders rely heavily on your credit history.
❌Avoid new debt: Do not finance a car, open new credit cards, or change jobs. New debt hurts your debt-to-income ratio and lowers your borrowing power.
✅Use Canadian savings tools: Contribute to a First Home Savings Account (FHSA) or leverage the Home Buyers' Plan (HBP) to withdraw funds from your RRSP tax-free for your down payment.

Plan Your Budget and Costs
✅Save for a down payment: Aim for 5% to 20% of the purchase price, keeping in mind that less than 20% requires mortgage default insurance.
✅Budget for closing costs: Set aside an extra 4% of the home's purchase price to cover legal fees, land titles, home inspections, and property tax adjustments.
✅Get pre-approved: Meet with a mortgage broker 2 to 3 months before your active search to lock in a rate and confirm your realistic price range (learn more via the Financial Consumer Agency of Canada).

Search and Prepare
👉Define needs versus wants: List 5 non-negotiables (like location, school districts, or bedroom count) versus nice-to-have features.
👉Connect with professionals: Build a team including a trusted real estate agent and a real estate lawyer.

If you would like more information, reach out and let's talk.

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

08/31/2026

Buying a home comes with costs beyond the down payment. This can add up to an additional 4% of the purchase price in one-time closing fees, plus ongoing monthly bills.

Upfront Closing Costs
You must pay these fees before you get the keys:
✅Legal fees: $1,000 to $2,000 for a lawyer or notary to handle the title transfer.
✅Home inspection: $300 to $600 to check the physical condition of the property.
✅Appraisal fee: $300 to $500 if your lender requires a professional valuation of the home's market value.
✅Mortgage default insurance: 2.8% to 4% of your loan amount if your down payment is less than 20% (view official rules on Canada.ca).
✅Moving expenses: $500 to $2,000+ depending on the distance and hiring professional movers.

Ongoing Ownership Costs
Owning a home brings regular expenses right after purchase:
👉Property taxes: Annual local taxes paid to your municipality.
👉Home insurance: Monthly or yearly coverage for your property and belongings.
👉Maintenance fund: A general rule is to save 1% of your home's purchase price every year for sudden repairs and upkeep.

If you would like more information on closing costs, reach out and let's talk.
I can also refer you to a great lawyer if you need.

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

08/28/2026

How can a variable-rate mortgage benefit you?

First, a variable rate mortgage is when the interest rate can increase or decrease depending on the prime rate, which is determined by the 🏦 Bank of Canada🍁

*They have lower penalties in the event you need to break your mortgage before your term is over.

This may be an excellent option to get you into your dream home or for a rental, but only if you are comfortable with the expected fluctuating payments.

See if a variable rate may be the right fit for you. Contact me today.

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

08/26/2026

Buy real estate and wait!

Real estate investing is one of the safest options for those looking to increase their net worth.
Enjoy principal paydown and property appreciation.

If you want to invest in real estate, call me, and I will help you get started today.

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

08/24/2026

Are you or someone you know going through a separation? I can explore options for you to own your own home or purchase the others' interest, allowing you to stay in the house.

Let me help make this experience easier and take some of the stress away.

There is a mortgage product just for you.
It allows a remortgage of up to 95% of the value of your home, which can provide a fair buyout and possibly pay off any other joint debt.

If you know anyone that can benefit from this, have them contact me today!

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

08/21/2026

Buying a house should be an exciting time!

👀 Who has the time to go to multiple lenders trying to find the best mortgage product to match your specific needs.

✋I am happy to help you out. I have developed relationships with several lenders, and I make it my priority to stay educated and informed about all the new products that are coming out.

It is my purpose to find the perfect fit for you so you can have more time looking for your dream home and be able to enjoy the experience knowing I have your back.

Whether you are looking for a new home, to renew or refinance, if you want less stress getting a mortgage, get a hold of me today!

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

08/19/2026

Buy real estate and wait!

Real estate investing is one of the safest options for those looking to increase their net worth.
Enjoy principal paydown and property appreciation.

If you want to invest in real estate, call me and I will help you get started today.

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

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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