Kyungman Kim - Mortgage Architects

Directions Website

Kyungman Kim - Mortgage Architects Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Kyungman Kim - Mortgage Architects, Mortgage brokers, Lethbridge, AB.
(1)

알버타 모기지, 더 명확하게.
한국어 상담 | 구매 · 갱신 · 리파이낸스
403-899-9311 · [email protected]
Licensed Mortgage Broker (AB)
Mortgage Architects | Brokerage Licence #12728
사전진단 시작: forms.cloud.microsoft/r/QUyae4c9gc

A lower rate from another lender can absolutely be worth considering at renewal, but the rate alone doesn’t tell you whe...
10/13/2026

A lower rate from another lender can absolutely be worth considering at renewal, but the rate alone doesn’t tell you whether switching is actually the better option.

Switching lenders usually means a new mortgage approval based on your current income, debts, credit and property.

There may also be appraisal, legal, discharge or registration costs. Some lenders cover some or most of these costs for a straightforward transfer, while others may not, so it’s important to confirm what is actually covered.

The way your mortgage is registered matters too. If you have a collateral charge mortgage with a HELOC or line of credit attached, that account may need to be paid out, closed or restructured when you switch.

So I would compare more than just the rate:

- Current lender’s best renewal offer
- New lender’s rate and mortgage terms
- Interest savings over the term
- Legal, appraisal, discharge and registration costs
- Which costs the new lender will cover
- Any HELOC or other secured credit attached to the property
- Features that may matter later, such as prepayment options and penalties

Sometimes switching lenders saves a meaningful amount of money.

Sometimes, after all the costs and differences are considered, staying with the current lender makes more sense.

The goal at renewal isn’t simply to find the lowest rate. It’s to understand what you actually gain by making the move.

More than a rate. A plan for your next move.

Kyungman (Kman) Kim
Licensed Mortgage Broker | Alberta
Mortgage Architects | Brokerage Licence No. 12728 · Regulated by RECA
[email protected] · 403-899-9311
General information only. Terms and eligibility depend on the borrower, property and lender.
#모기지 #캐나다 #캘거리 #캐나다일상 #캐나다라이프

모기지 갱신 제안서를 받으면 가장 먼저 눈에 들어오는 건 아무래도 금리입니다.하지만 갱신할 때는 금리만큼 앞으로의 계획도 중요합니다.앞으로 3년, 5년 동안이사할 계획은 없는지,집을 팔 가능성은 없는지,리파이낸스나 ...
10/01/2026

모기지 갱신 제안서를 받으면 가장 먼저 눈에 들어오는 건 아무래도 금리입니다.

하지만 갱신할 때는 금리만큼 앞으로의 계획도 중요합니다.

앞으로 3년, 5년 동안
이사할 계획은 없는지,
집을 팔 가능성은 없는지,
리파이낸스나 추가 자금이 필요할 가능성은 없는지.

이런 계획에 따라 적합한 모기지 조건도 달라질 수 있습니다.

그리고 다른 옵션과 비교할 때는 금리와 월 페이먼트만 보지 말고 상환 기간, 추가 상환 조건, 중도 해지 조건도 같이 확인해 보시기 바랍니다.

월 페이먼트가 낮다고 반드시 더 좋은 조건은 아니고, 금리가 낮다고 항상 나에게 더 좋은 모기지인 것도 아닙니다.

갱신은 금리만 다시 정하는 게 아니라
앞으로 몇 년 동안 가져갈 모기지를 다시 재정비하고 계획하는 시점입니다.

Kyungman (Kman) Kim
Licensed Mortgage Broker | Alberta
Mortgage Architects | Brokerage Licence No. 12728 · Regulated by RECA
[email protected] · 403-899-9311
General information only. Terms and eligibility depend on the borrower, property and lender.
#모기지 #캐나다 #캘거리 #캐나다일상 #캐나다라이프

The rate is easy to spot on a mortgage renewal offer.What’s easier to miss is how many years you have left to pay off th...
10/01/2026

The rate is easy to spot on a mortgage renewal offer.

What’s easier to miss is how many years you have left to pay off the mortgage.
When comparing renewal offers, compare them using the same mortgage balance and remaining amortization. A lower monthly payment doesn’t always mean a better deal. Sometimes, it simply means the mortgage has been stretched over more years. Then look beyond the rate.

How much can you prepay each year?
What happens if you sell or refinance before the term ends?
What would the penalty be to break the mortgage early?

A renewal isn’t just about getting a new rate. It’s also about making sure the mortgage still fits your plans for the next few years.

Kyungman (Kman) Kim
Licensed Mortgage Broker | Alberta
Mortgage Architects | Brokerage Licence No. 12728 · Regulated by RECA
[email protected] · 403-899-9311
General information only. Terms and eligibility depend on the borrower, property and lender.
#모기지 #캐나다 #캘거리 #캐나다일상 #캐나다라이프

모기지 갱신은 단순히 가장 낮은 금리를 고르는 일만은 아닙니다.지난 모기지 계약 이후 몇 년 동안 소득이나 생활비가 달라졌을 수도 있고 저축이 늘었을 수도 있습니다. 앞으로 이 집에 얼마나 더 살지 계획이 바뀌었을 ...
09/25/2026

모기지 갱신은 단순히 가장 낮은 금리를 고르는 일만은 아닙니다.

지난 모기지 계약 이후 몇 년 동안 소득이나 생활비가 달라졌을 수도 있고 저축이 늘었을 수도 있습니다. 앞으로 이 집에 얼마나 더 살지 계획이 바뀌었을 수도 있습니다.

그래서 저는 갱신 상담 할 때 먼저 하나 여쭤봅니다.

“지난 모기지를 받으셨을 때와 지금, 무엇이 달라졌나요?”

그다음 금리와 계약기간, 월 페이먼트, 추가 원금상환 조건 그리고 중도 해지 시 발생할 수 있는 비용까지 같이 비교합니다.

다른 은행으로 옮기는 게 나을 수도 있고
지금 은행에서 그대로 갱신하는 게 더 나을 수도 있습니다.

은행을 바꾸는 것 자체가 목적은 아닙니다.
앞으로의 몇 년에도 지금 선택하는 모기지가 내 상황에 잘 맞는지가 더 중요합니다.

Kyungman (Kman) Kim
Licensed Mortgage Broker | Alberta
Mortgage Architects | Brokerage Licence No. 12728 · Regulated by RECA
[email protected] · 403-899-9311
General information only. Terms and eligibility depend on the borrower, property and lender.
#모기지 #캐나다 #캘거리 #캐나다일상 #캐나다라이프

A mortgage renewal is more than choosing the lowest rate.A lot can change over one mortgage term. Your income, monthly e...
09/25/2026

A mortgage renewal is more than choosing the lowest rate.

A lot can change over one mortgage term. Your income, monthly expenses, savings, plans for the home, and even how long you expect to stay there may look very different today.

That is why I like to start a renewal conversation with a simple question:

What has changed since you took your last mortgage?

From there, we can compare the rate, term, payment, prepayment options and potential cost of breaking the mortgage early.

Sometimes moving to another lender makes sense.
Sometimes staying exactly where you are is the better fit.

The goal is not to move your mortgage for the sake of moving it. It is to make sure the next mortgage still fits where your life is going.

모기지 갱신은 단순히 가장 낮은 금리를 고르는 일만은 아닙니다.

지난 모기지 계약 이후 몇 년 동안 소득이나 생활비가 달라졌을 수도 있고 저축이 늘었을 수도 있습니다. 앞으로 이 집에 얼마나 더 살지 계획이 바뀌었을 수도 있습니다.

그래서 저는 갱신 상담 할 때 먼저 하나 여쭤봅니다.

“지난 모기지를 받으셨을 때와 지금, 무엇이 달라졌나요?”

그다음 금리와 계약기간, 월 페이먼트, 추가 원금상환 조건 그리고 중도 해지 시 발생할 수 있는 비용까지 같이 비교합니다.

다른 은행으로 옮기는 게 나을 수도 있고
지금 은행에서 그대로 갱신하는 게 더 나을 수도 있습니다.

은행을 바꾸는 것 자체가 목적은 아닙니다.
앞으로의 몇 년에도 지금 선택하는 모기지가 내 상황에 잘 맞는지가 더 중요합니다.

Kyungman (Kman) Kim
Licensed Mortgage Broker | Alberta
Mortgage Architects | Brokerage Licence No. 12728 · Regulated by RECA
[email protected] · 403-899-9311
General information only. Terms and eligibility depend on the borrower, property and lender.
#모기지 #캐나다 #캘거리 #캐나다일상 #캐나다라이프

Renewed my mortgage licence for another year! ✅I’m proud to put my name and licence behind the work I do as a licensed M...
09/23/2026

Renewed my mortgage licence for another year! ✅

I’m proud to put my name and licence behind the work I do as a licensed Mortgage Associate.

Finding competitive rates and getting mortgage approvals are important.

But sometimes, depending on your situation, the best advice I can give you is to hold off on getting a new mortgage or simply keep the one you already have.

And when that’s the case, I’ll tell you.

I don’t work for a bank. I work with you to find the mortgage solution that makes the most sense for your situation.

My goal is to give you honest advice, even when it’s not necessarily what you want to hear.

Thank you to everyone who continues to trust me with one of the biggest financial decisions of your life.

I’ll keep working hard to earn that trust every day.

Kman 😊

I shared this a few days ago, but after coming home from Edmonton and having some time to reflect, I think I’m allowed t...
09/14/2026

I shared this a few days ago, but after coming home from Edmonton and having some time to reflect, I think I’m allowed to enjoy this one for a few more days. 😊

Our team has around 500 members across Canada, and close to 300 of us came together for this year’s Team Borle Summit.

I was incredibly honoured to receive the Rising Star Award.

What made this award especially meaningful to me was how it was chosen. It wasn’t about selecting one person from a short list of nominees.

Team members were simply asked to think about the past 12 months and name someone who had been actively learning, taking action, showing noticeable growth, and demonstrating potential.

Somehow, enough people thought of my name.

That part still feels a little surreal! (especially considering my name isn’t exactly the easiest to remember, spell, or pronounce. 😂)

Since starting in this industry, I’ve tried to keep things pretty simple.

If I don’t know something, I look for the answer and ask questions. If I learn something useful, I try to put it into practice right away. If I know something that might help someone else, I share it.

When I meet people who are better than me at something, I learn from them. And when I get stuck, I go back, find another way, and learn some more.

I’ve just kept doing that.

What I realized this week is that maybe more people were noticing those small things than I thought.

I want to bring that same approach to the way I work with my clients.

Put myself in their position first. Have the conversations they need, not just the ones they want to hear. And make sure that when I give advice, it is something I genuinely believe is in their best interest.

My goal is pretty simple.

I want to earn the kind of trust where, someday, someone can comfortably tell a friend:

“Talk to Kman about your mortgage.”

Receiving an award doesn’t suddenly make me a better broker than I was the day before.

So I’ll keep doing what I’ve been doing.

Still learning. Still asking questions. Still showing up.

And hopefully, getting a little better along the way. 😊

Rising Star. ⭐

This one means a lot.

Being declined once does not necessarily mean the file is over.But it also does not mean the same file should simply be ...
09/03/2026

Being declined once does not necessarily mean the file is over.

But it also does not mean the same file should simply be submitted to another lender.

I sometimes hear questions like, “Could another bank approve it?” or “Could we try somewhere else?”

Sometimes, that may be the right direction. But before looking for another lender, I prefer to understand why the file did not move forward.

Was it income, debt, down payment funds, the property, timing, or a specific lender guideline?

The same word, “declined,” can describe very different situations. When the reason changes, the next step changes too.

For some files, switching lenders may be the right path. For others, adjusting one condition may allow the file to be reviewed again.

And if nothing material has changed, waiting may be better than resubmitting right away.

When I review a complex file, I try to answer “Where did the file stop, and why?” before asking “Where else can we send it?”

I cannot promise that every file can be solved.

What I can do is explain why the file is difficult, identify what may be changed, and clarify what should be prepared for the next opportunity.

That is part of my responsibility to the client.

한 번 거절됐다고 해서 그 파일이 끝난 건 아닙니다.

그렇다고 다른 lender에 똑같은 파일을 다시 넣으면 된다는 뜻도 아닙니다.

상담을 하다 보면 가끔 “다른 은행에서는 가능할까요?” 또는 “다른 곳에 다시 넣어볼 수 있을까요?”라는 질문을 받습니다.

그럴 수도 있습니다. 하지만 저는 그 전에 왜 안 됐는지부터 확인하는 편입니다.

소득 때문인지, 부채 때문인지, 다운페이먼트 자금 때문인지, Property 조건 때문인지, 아니면 일정이나 특정 lender의 가이드라인 때문인지.

같은 ‘거절’이라도 이유가 다르면 다음에 할 일도 달라집니다.

어떤 파일은 lender를 바꾸는 것이 답일 수 있고, 어떤 파일은 조건 하나를 조정하면 다시 검토할 수 있습니다.

반대로 아직 바뀐 것이 없다면 지금은 다시 넣지 않고 기다리는 편이 나을 수도 있습니다.

그래서 복잡한 파일을 볼 때는 “어디에 다시 넣을 수 있을까?”보다 “어디에서, 왜 멈췄을까?”를 먼저 봅니다.

모든 파일을 해결할 수 있다고 말씀드릴 수는 없습니다.

다만 진행이 어려운 이유가 무엇인지, 바꿀 수 있는 부분이 있는지, 다음에는 무엇을 준비해야 하는지는 명확하게 설명드리고 싶습니다.

그게 제가 고객에게 해야 할 일이라고 생각합니다.

General information only. Approval and conditions vary by lender and individual file.

Kyungman Kim (김경만)
Licensed Mortgage Broker | Alberta
Mortgage Architects | Brokerage Licence No. 12728 · Regulated by RECA
[email protected] · 403-899-9311 · kmanmortgage.ca

When I review a mortgage file, a good credit score is a positive sign.But a good score doesn’t always mean the mortgage ...
08/27/2026

When I review a mortgage file, a good credit score is a positive sign.

But a good score doesn’t always mean the mortgage qualification has stayed the same.

I also look at what has changed since we first reviewed the file.

A new car loan, higher credit card balance, or new credit can change the monthly obligations even when the score still looks strong.

For example, someone may still have excellent credit after financing a new car. But if that adds a $700 monthly payment, it can change how much they qualify for.

This is especially important after a pre-approval and before closing.

A pre-approval is based on your income, debts, and credit at that time. If something changes afterward, the file may need to be reviewed again.

It doesn’t mean you have to put your life on hold.

If you’re planning to take on new debt or make a major financial decision, one simple question is worth asking first:

“Will this affect my mortgage?”

It’s much easier to check before the decision than to restructure the file afterward.

—

좋은 신용점수는 분명 긍정적인 신호입니다.

하지만 점수가 좋다고 해서 처음 확인했던 모기지 조건도 그대로라는 뜻은 아닙니다.

모기지 파일을 볼 때 저는 신용점수뿐 아니라 처음 상담했을 때와 비교해 무엇이 달라졌는지도 같이 봅니다.

새 자동차 할부가 생겼거나, 카드 잔액이 늘었거나, 새로운 대출이나 신용한도가 생겼다면 신용점수는 여전히 좋아도 매달 갚아야 하는 부채는 달라질 수 있습니다.

예를 들어 사전승인 후 차를 바꾸면서 매달 $700의 자동차 할부가 생겼다고 해보겠습니다.

신용점수는 여전히 좋을 수 있습니다. 하지만 모기지 심사에서는 매달 $700의 부채가 새로 생긴 것이기 때문에 받을 수 있는 금액도 달라질 수 있습니다.

특히 사전승인 이후부터 closing 전까지는 이런 변화의 타이밍이 중요합니다.

그렇다고 아무것도 하지 말라는 뜻은 아닙니다.

새로운 부채가 생기는 결정을 앞두고 있다면 그 전에 한 번 물어보시면 됩니다.

“이거 지금 해도 제 모기지에 괜찮을까요?”

결정하기 전에 확인하는 게 훨씬 쉽습니다.

Kyungman Kim
Licensed Mortgage Broker | Alberta
Mortgage Architects | Brokerage Licence No. 12728 · Regulated by RECA
[email protected] · 403-899-9311

#모기지 #캐나다 #캘거리 #캐나다일상 #캐나다라이프

When I review self-employed or commission income, I don't begin with the biggest number on the page.I begin with a simpl...
08/20/2026

When I review self-employed or commission income, I don't begin with the biggest number on the page.

I begin with a simpler question: what records explain how that income was earned?

Business revenue, account deposits, taxable income, salary, dividends, and the income a lender can use for qualification may all be different numbers.

That is why I look at income history, tax filings, expense treatment, and the business structure together. The right approach depends on the lender and the individual file.

From my experience, a strong revenue number does not tell the whole mortgage story. But being self-employed does not automatically mean you should rule yourself out either.

The more useful first question is:

“Which income records can support this application?”

자영업 또는 커미션 소득을 검토할 때 저는 서류에서 가장 큰 숫자부터 보지 않습니다.

먼저 그 소득이 어떻게 만들어졌는지 설명해 주는 기록이 무엇인지 확인합니다.

사업 매출, 계좌 입금액, 세금 신고 소득, 법인에서 받은 급여나 배당, 그리고 lender가 모기지 심사에 사용할 수 있는 소득은 서로 다른 숫자일 수 있습니다.

그래서 저는 소득의 흐름, 세금 신고, 비용 처리, 사업 구조를 함께 봅니다. 구체적인 계산 방식과 필요한 서류는 lender와 파일마다 달라집니다.

제가 상담하면서 중요하다고 느낀 건 매출 숫자가 크다는 사실보다 그 숫자를 설명할 수 있는 기록이 준비되어 있는지입니다.

반대로 자영업자라는 이유만으로 처음부터 포기할 필요도 없습니다.

처음에는 이렇게 질문해 보는 편이 더 정확합니다.

“현재 기록에서 어떤 숫자로 내 소득을 설명할 수 있을까요?”

General information only. Approval and documentation requirements depend on the individual file and lender underwriting.

Kyungman Kim | Licensed Mortgage Broker
Mortgage Architects | Brokerage Licence #12728 · Regulated by RECA
Alberta · Korean / English
[email protected] · 403-899-9311

Address

Lethbridge, AB

Website

,

Alerts

Be the first to know and let us send you an email when Kyungman Kim - Mortgage Architects posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category