Kristin Guthrie Your Peace Country Mortgage Specialist

Home
Canada
Grande Prairie, AB
Kristin Guthrie Your Peace Country Mortgage Specialist

Directions Website

If your looking to buy a new home, rental property, refinance your current mortgage or renewals .

11/01/2026

Happy Halloween everyone 🎃
Be safe and have fun tonight 👻

10/31/2026

10/28/2026

🏡📈 BANK OF CANADA RATE ANNOUNCEMENT – OCTOBER 28, 2026!

The Bank of Canada has announced a 0.25% increase to its overnight lending rate, bringing it to 2.50%.

This means lenders’ prime rates are increasing from 4.45% to 4.70%.

🌎 Why did the Bank of Canada increase rates?

⛽ Rising oil prices due to the ongoing conflict in the Middle East.

📈 Inflation concerns, with inflation currently around 3% and expected to reach approximately 3.5% by year-end.

🇨🇦 Canada–US trade uncertainty, which continues to affect our economy.

The Bank of Canada is working to bring inflation back toward its 2% target while balancing economic growth.

💰 WHAT DOES THIS MEAN FOR YOUR MORTGAGE PAYMENT?

If your variable mortgage rate increases from 4.45% to 4.70%, here’s approximately how much your monthly payment could increase, based on a 25-year amortization:

🏡 $100,000 mortgage → $14/month

🏡 $200,000 mortgage → $28/month

🏡 $300,000 mortgage → $42/month

🏡 $400,000 mortgage → $56/month

🏡 $500,000 mortgage → $70/month

🏡 $600,000 mortgage → $84/month

These are approximate payment increases for adjustable-rate mortgages with 25 years remaining. Your actual increase depends on your mortgage terms and remaining amortization.

🏦 WHAT IF YOU HAVE A FIXED-RATE MORTGAGE?

Good news! Your current mortgage rate and payment will remain unchanged for the remainder of your fixed term.

🏡 WHAT IF YOU HAVE A VARIABLE-RATE MORTGAGE?

Depending on your lender, your monthly payment may increase, or your payment may remain the same with more going toward interest and less toward your principal.

❤️ Have questions about your mortgage or upcoming renewal?

Whether you’re buying your first home, renewing, refinancing, or simply wondering how these changes affect you, I’m always happy to help!

Kristin Guthrie 🏡
Your Peace Country Mortgage Broker
Quantus Mortgage Solutions
780-228-5939

10/24/2026

Was a close game tonight, we didn’t win but the boys did amazing like always. Way to go Titans. Final score was 28-17 💙🏈

10/12/2026

Happy Thanksgiving Everyone! From my family to yours.
So grateful to all my clients and connections over the years.
🥰🍁🍂🦃

09/17/2026

⭐️Buying your first home feels a lot less overwhelming when you know what to expect. A little preparation and the right guidance can save you time, stress, and costly mistakes along the way.
Here are 5 smart moves every first-time buyer should know:
⭐️Work with a trusted agent to help guide you through the process and advocate for your interests.
⭐️Get pre-approved early so you understand your budget and can act quickly when the right home comes along.
In Stay informed on your local market to better understand pricing, inventory, and competition.
⭐️Look beyond just price because terms, conditions, and timing can also impact the strength of an offer. i Ask about off-market opportunities that may not be publicly advertised.
The more informed and prepared you are, the more confident your home buying journey becomes!

Thinking about buying your first home? Let’s connect and create a strategy that helps you navigate the process with clarity and confidence.

⭐️Kristin Guthrie
Your Peace Country Mortgage Broker
Quantus Mortgage Solutions
📲780-228-5939

09/13/2026

Was a great Football weekend in Drumheller 🦕🏈🥰

08/28/2026

⭐️Self-employed and thinking about buying a home?

Here are a few ways to strengthen your application:
🔻Keep financial records organized: Lenders will typically wantto review tax returns, bank statements, and business income documentation.
🔻Show consistent income: A stable income history can help demonstrate your ability to manage mortgage payments. 🔻Manage debt carefully: Lower debt levels can improve your debt-to-income ratio and strengthen your application.
🔻Build your savings: Have funds set aside for a down payment, closing costs, and reserves.
🔻Talk to a lender early: Understanding your borrowing power before you start house hunting can help you plan with confidence.

Being self-employed may require a few extra steps, but it does not mean homeownership is out of reach. The right preparation can make the process much smoother.
Have questions about buying? Reach out to learn more
about your options and next steps.
less

🔻Kristin Guthrie
Your Peace Country Mortgage Broker
Quantus Mortgage Solutions
780-228-5939

08/19/2026

The mortgage process is easier to navigate when you know what to expect.🏡

Buying a home is a big milestone, but understanding each step can make the journey feel much less overwhelming.
Here’s a quick overview of the process:
⭐️Get pre-approved to understand your budget and strengthen your buying position.
⭐️Submit your mortgage application along with the required
financial documents.
⭐️Review your loan and property details and verify your information.
⭐️Receive final approval once all conditions have been met.
⭐️Close on your home by signing the final paperwork and receiving the keys.
The more you understand the process before you begin, the more confident you’ll feel when it’s time to make your move.

Reach out today for expert guidance through every step of the home buying journey!

🏡Kristin Guthrie
Your Peace Country Mortgage Broker
Quantus Mortgage Solutions
☎️780-228-5939

Address

Grande Prairie, AB

Website

https://getmy.mortgage/ha2o554wg?fbclid=PAVERFWARHgOZleHRuA2FlbQIxMQBzcnRjBmFwcF9pZA8xMjQwMjQ1NzQyODc0MTQAAafJF0sxu0uRFr

Alerts

Be the first to know and let us send you an email when Kristin Guthrie Your Peace Country Mortgage Specialist posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.