Alicia Pyziak Mortgages

Alicia Pyziak Mortgages Mortgage Agent Level 1 🏡💰
Empire Mortgage Group | Lic #13183

Huge congratulations to an amazing friend on her beautiful new home! I’m beyond grateful for your trust throughout this ...
05/26/2026

Huge congratulations to an amazing friend on her beautiful new home! I’m beyond grateful for your trust throughout this process—it truly means the world to me. Watching you step into this next chapter (by the lake, no less! 🌊) is so exciting.

Wishing you endless memories, peaceful mornings, and so much happiness in your new space. You deserve it all 🏡✨

Cheers to new beginnings! 💛

If you’re thinking about buying or refinancing, let’s chat and make a plan that works for you.

🇨🇦 Long weekend mode: ON 🇨🇦Happy Victoria Day! 🇨🇦Whether you’re opening the cottage, firing up the BBQ, or just enjoying...
05/18/2026

🇨🇦 Long weekend mode: ON 🇨🇦

Happy Victoria Day! 🇨🇦
Whether you’re opening the cottage, firing up the BBQ, or just enjoying a well-earned extra day off — I hope it’s filled with sunshine, good company, and a little relaxation ☀️

It’s also the unofficial kickoff to summer… and for many, the start of new home dreams too 🏡

If buying, refinancing, or renewing is on your radar this season, I’m always here to help you make a plan that fits your goals.

Enjoy the long weekend — you’ve earned it! 💛

Your mortgage term is more important than most people think. It’s the length of time your rate, payment, and conditions ...
05/15/2026

Your mortgage term is more important than most people think. It’s the length of time your rate, payment, and conditions are locked in — but it’s also when you’ll have the opportunity to reassess your mortgage and make changes.

Choosing the right term isn’t just about picking the lowest rate today, it’s about aligning with your plans over the next few years.

Not sure what term makes sense for you?

I’m always happy to chat through your options. 📲

There’s nothing better than getting the keys to your first home 🏡✨Huge congratulations to my amazing clients on this mil...
05/12/2026

There’s nothing better than getting the keys to your first home 🏡✨

Huge congratulations to my amazing clients on this milestone! Buying your first home is such a big step, and I’m so grateful you trusted me to guide you through it. From the first conversation to closing day—this is what it’s all about.

Wishing you so many happy memories in your new space 💛

Thinking about buying your first home? Let’s make a plan together—send me a message and let’s get you started!

Mortgage Default Insurance 🏡💰Mortgage default insurance is typically required in Canada when a buyer has less than 20% d...
05/01/2026

Mortgage Default Insurance 🏡💰

Mortgage default insurance is typically required in Canada when a buyer has less than 20% down on a home purchase. While it adds to the overall mortgage amount, it helps make homeownership more accessible by allowing buyers to purchase with a smaller down payment. It also provides protection to the lender, which is what helps make these financing options available in the first place.

If you’re not sure how mortgage default insurance would apply to your situation, send me a message and I can walk you through it. 😀

04/17/2026

A side of magnetic tile car races with my morning emails on the PA day.🥰👩🏼‍💻

📉📈 Fixed vs Variable Rate Your mortgage interest rate can either be fixed or variable, and each works differently depend...
04/17/2026

📉📈 Fixed vs Variable Rate

Your mortgage interest rate can either be fixed or variable, and each works differently depending on your goals and risk comfort. Fixed rates stay the same for your entire term, giving you stability and predictable payments. Variable rates, on the other hand, can move up or down with market conditions — and right now, many borrowers are finding variable options more attractive as rates shift and potential savings become available.

If you’re unsure which direction makes sense, it’s always worth reviewing both options based on your long-term plan, not just today’s rate.

Your mortgage renewal is not a “set it and forget it” subscription… like Netflix.It’s more like a yearly financial check...
04/13/2026

Your mortgage renewal is not a “set it and forget it” subscription… like Netflix.
It’s more like a yearly financial check-up — and ignoring it could cost you. 👀

With so many Canadians renewing right now, it’s worth taking a second look before you just “click accept.”

📩 Want a second set of eyes on it? I’ve got you.

Amortization Period 🏡Your amortization period is the total length of time it would take to pay off your mortgage in full...
04/03/2026

Amortization Period 🏡
Your amortization period is the total length of time it would take to pay off your mortgage in full, based on regular scheduled payments. In Canada, most amortization periods range from 15 to 30 years, and choosing a shorter or longer period can affect your monthly payments and total interest paid over the life of the mortgage.

Mortgage Myths That Sound Like April Fool’s… But Are Actually Believed!
04/01/2026

Mortgage Myths That Sound Like April Fool’s… But Are Actually Believed!

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161 Dundurn Street S
Hamilton, ON
L8P4K4

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