Mortgages By Danielle, Mortgage Sisters West

Mortgages By Danielle, Mortgage Sisters West I am so lucky to assist in the purchase of a client's home.

My goal is to get you the best interest rate by having the privilege of dealing with many different lenders.

We appreciate you! Have the best weekend!
06/12/2026

We appreciate you! Have the best weekend!

While you are doing your mortgage pre-approval or approval, you might start to feel like the documents requested are exc...
06/05/2026

While you are doing your mortgage pre-approval or approval, you might start to feel like the documents requested are excessive! We agree, it is a LOT of paperwork. However, knowing why these measures are in place can give you peace of mind throughout the process.

FINTRAC (the Financial Transactions and Reports Analysis Centre of Canada) is Canada’s financial intelligence unit and anti-money laundering supervisor. Its purpose is to detect, prevent, and deter money laundering, terrorist financing, sanctions evasion, and other threats to the security of Canada's economy.

🚫 Mortgage Myth: You Need 20% Down to Buy a HomeMany buyers are surprised to learn that you may be able to purchase a ho...
06/03/2026

🚫 Mortgage Myth: You Need 20% Down to Buy a Home

Many buyers are surprised to learn that you may be able to purchase a home with as little as 5% down.

If you’ve been waiting because you thought you needed a huge down payment, it may be worth exploring your options.

Questions about down payments, credit scores, or affordability? I’m happy to help.

Since the Bank of Canada had no change to its policy interest rate at the last announcement, is the variable or the fixe...
05/13/2026

Since the Bank of Canada had no change to its policy interest rate at the last announcement, is the variable or the fixed rate the best fit for you?

Whether you're looking to buy, renew or refinance, give me a call so we can discuss your options.

Hope you enjoy the rest of your day!

Pre-Qualification vs. Pre-ApprovalWhen purchasing a home, the mortgage process can feel like learning a new language. Tw...
04/16/2026

Pre-Qualification vs. Pre-Approval

When purchasing a home, the mortgage process can feel like learning a new language. Two terms you will hear are Pre-Qualification and Pre-Approval. While they sound similar, they are very different in regards to being ready to purchase a home.

Mortgage Pre-Qualification- an informal estimate of what you might be able to afford based on information you provide.
• The Process: You provide a summary of your income, debts, and assets.
• Verification: None. The lender takes your word for the numbers without reviewing documents.
• Credit Check: Often none, or only a "soft" inquiry that doesn't impact your score.
• The Result: A "ballpark" figure to help you set a budget. It is not a guarantee of a loan.

Mortgage Pre-Approval- a formal pre-approval where we can get a rate hold which is a conditional commitment from a lender to grant you a mortgage for a specific amount.
• The Process: A full application is filled out, consents are signed.
• Verification: High. You must provide the appropriate income documents, proof of down payment and any additional supporting documents. .
• Credit Check: A "hard" credit pull is required to confirm your creditworthiness.
• Rate Lock: Most pre-approvals include a rate guarantee (typically 120 days), protecting you from market fluctuations and guaranteeing your max purchase price.
• The Result: A formal letter that proves to Realtors and Sellers that you are a serious, qualified buyer.

While a Pre-Qualification is a great way to start your research, a Pre-Approval is an essential part of the buying process as it confirms your purchase power. If you have questions about which step is right for you, or if you’re ready to lock in a rate, we are here to help.

Key benefits of using a mortgage broker include:Access to More Lenders and Rates: Brokers have access to dozens of lende...
03/30/2026

Key benefits of using a mortgage broker include:

Access to More Lenders and Rates: Brokers have access to dozens of lenders, including banks and private lenders, which allows them to find competitive rates not always available directly to consumers.

Time Savings and Expert Advice: They handle the research, application, and negotiation process, saving you, the consumer, time and reducing stress.

Negotiation Power: Brokers negotiate on your behalf to reduce interest rates and fees, saving you money over the life of the loan.

Whether you are looking to purchase a new home, need to renew your current mortgage, would like to refinance, or just want to ask me what else I can help you with, I'm only the push of a button away! ❤️

FUN FACTS ABOUT MARCH 1. According to the oldest Roman calendars, one year was ten months long, begin...
03/10/2026

FUN FACTS ABOUT MARCH
1. According to the oldest Roman calendars, one year was ten months long, beginning in March and ending in December.
2. Daylight savings time begins in March.
3. Saint Patrick’s Day occurs every March 17th, celebrated in many western countries to commemorate the day Saint Patrick died. Patrick’s Day turns the Chicago River green, among other festivities.
4. occurs on Monday, March 20, 2023. In the Northern Hemisphere, this is known as the vernal, or spring, equinox and marks the start of the spring season. In the Southern Hemisphere, autumn begins. The sun shines on the equator for the Vernal Equinox, giving us a near 50-50 split of day and night.
5. March’s Zodiac signs are Pisces (February 20 to March 20) and Aries (March 21 to April 20).
6. March’s birthstones are aquamarine and bloodstone. These stones symbolize courage.
7. March is the time of year when animals start waking up from hibernation.
8. The popular social media outlet Twitter was launched on March 21, 2006, with the first tweet going out the same day.
9. On March 10, 1876, Alexander Graham Bell made the first-ever phone call.
10. Slightly less groundbreaking than the telephone, perhaps, but the 7th of March 1933 marked the invention of the family board game Monopoly.

11. Coca-Cola was invented by John Pemberton in March of 1886.
12. The Girl Scouts was officially founded on the 12th of March, 1912.
13. On March 1, 1961, President John F. Kennedy founded the successful nonprofit volunteer organization known as the Peace Corps.
14. Chuck Norris, Jon Bon Jovi, Shaquille O’Neal, Bruce Willis, Elton John, and Denny Howell are some of the people who celebrate birthdays in March
15. Daffodils have been designated as March’s birth flower
16. March 14th is celebrated as ‘International Pi Day’ as March 14th is known as 3/14, which is also in honor of Albert Einstein’s birthday
17. On March 31, 1889, the Eiffel Towner was ascended for the first time. The journey had to be made by foot as the elevators were not in operation yet, and took over an hour to reach the top.

Hope you all enjoyed your long weekend with your families. ❤️
02/17/2026

Hope you all enjoyed your long weekend with your families. ❤️

Need to Buy Before You Sell? Bridge Financing Has You Covered!Navigating the timing between selling your current home an...
02/11/2026

Need to Buy Before You Sell? Bridge Financing Has You Covered!
Navigating the timing between selling your current home and purchasing a new one can be challenging. That's where bridge financing steps in—offering a seamless solution to bridge the gap.

Is Bridge Financing Right for You?

If you're in the process of buying a new home but haven't sold your current one yet, bridge financing could be the perfect solution. It's especially beneficial if:

➡️Your current home is under contract but hasn't closed yet.
➡️ You're facing a tight timeline between closings.
➡️ You want to avoid the hassle of temporary housing.

Ready to Learn More? Contact us today!

At Mortgage Sisters West, we're here to guide you through every step of the mortgage process. Whether you're a first-time homebuyer or looking to upgrade, our team is dedicated to finding the best solutions for you.

As of Wednesday, January 28, the Bank of Canada kept its overnight interest rate unchanged. As a result, the prime lendi...
01/30/2026

As of Wednesday, January 28, the Bank of Canada kept its overnight interest rate unchanged. As a result, the prime lending rate will remain at 4.45% with most banks and financial institutions, meaning variable-rate mortgage and/or HELOC interest rates will be unchanged.


Address

201, 6650 177 Street
Edmonton, AB
T5T4J5

Opening Hours

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

Website

Alerts

Be the first to know and let us send you an email when Mortgages By Danielle, Mortgage Sisters West posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Featured

Share

Category