Chantelle Flasch - Mortgages

Chantelle Flasch - Mortgages Educating and Empowering everyday individuals on the fundamentals of homeownership financing.

Renewal Due Soon?Many mortgages renew in the next 12 months and higher payments are possible.I’ll compare your break pen...
10/07/2025

Renewal Due Soon?

Many mortgages renew in the next 12 months and higher payments are possible.

I’ll compare your break penalty and renewal offers so you know whether to lock a rate or wait.

It takes one quick review to avoid a costly surprise.

Send a message to schedule a renewal check.

📞403-863-4514
📩[email protected]
🌐flaschmortgages.com

📊 Market Outlook AlertRates aren’t expected to move much, but housing activity is heating up. CREA predicts a 6.3% jump ...
10/04/2025

📊 Market Outlook Alert

Rates aren’t expected to move much, but housing activity is heating up. CREA predicts a 6.3% jump in sales with the average home price near $697,929.

👀 What does that mean for buyers? More competition.

💡 For sellers? Stronger demand.

Now’s the time to plan your next move strategically.

Reach out today for a pre-approval and accurate numbers!

📞403-863-4514
📩[email protected]
🌐flaschmortgages.com

If your credit score is accurate but does not meet the minimum requirements, you will want to look at your current debt....
10/02/2025

If your credit score is accurate but does not meet the minimum requirements, you will want to look at your current debt.
Homeownership is an incredible investment, but it is also costly.

Fortunately, there are a number of things you can do to improve your credit score as well as your future financial success, including:

- Paying your bills in full and on time. If you cannot afford the full amount, try paying at least the minimum required as shown on your monthly statement.

- Pay off your debts (such as loans, credit cards, lines of credit, etc.) as quickly as possible. Work on paying the ones with the smallest amount owing first and work your way towards the larger amounts.

- Stay within the limit on your credit cards and try to keep your balances as low as possible.

- Reduce the number of credit card or loan applications you submit.

There is also the option of going with an Alternative Lender (or B Lender) if you are struggling with credit issues.

Working with a Mortgage Professional like me can help you understand what options are available that meet your current wants & needs! 😉

📞403-863-4514
📩 [email protected]
🌐flaschmortgages.com

What are your favorite things about October? My favorite thing so far is that the weather is not giving us October vibes...
10/02/2025

What are your favorite things about October?
My favorite thing so far is that the weather is not giving us October vibes! I'm grateful for that!

One of the important factors in home ownership is understanding things likeyour credit score. Some people don’t pay much...
09/30/2025

One of the important factors in home ownership is understanding things like
your credit score. Some people don’t pay much attention to this metric until
they begin the mortgage discussion, at which point it may be too late! ✅

Whether you qualify for a mortgage through a bank, credit union or other
financial institution, you should be aiming for a credit score of 680 for at least
one borrower (or guarantor), especially if you are putting under 20% down. If
you are able to make a larger down payment of 20% or more, then a score of 680 or below may be acceptable.

If you are not sure what your current credit score is, you can find out through
Canada’s two credit-reporting agencies: Equifax Canada and TransUnion
Canada. Once you have your credit score, always double check that! 😉

📞 403-863-4514
📩[email protected]
🌐flaschmortgages.com

The down payment on your home could come from your own savings such as a savings account, RRSPs or FHSA. Thanks to the f...
09/29/2025

The down payment on your home could come from your own savings such as a savings account, RRSPs or FHSA. Thanks to the federal government’s Home Buyers’ Plan, potential first-time homeowners are able to leverage up to $60,000 of their RRSP savings ($120,000 for a couple) to help finance the down payment. A gift of a down payment from an immediate relative is also acceptable.

Quick Tip: If your down payment comes from your savings the bank will want 90 days of statements to ensure the funds are accounted for. 💸

It is always a good idea to check with a Mortgage Professional for qualifying criteria and availability to ensure your source of a down payment is eligible.

Ready for your next home? Let's get you pre-approved before you start shopping ~ 🏠

📞 403-863-4514
📩 [email protected]
🌐flaschmortgages.com

Don't be afraid to bring some of the outdoor elements inside the house! A great place to start is the craft store. You c...
09/28/2025

Don't be afraid to bring some of the outdoor elements inside the house! A great place to start is the craft store. You can buy bundles of branches—changing leaves still attached— and stick them into an oversized vase. It makes your home not only colorful but also very cozy!

📞403-863-4514
📩[email protected]
🌐flaschmortgages.com


A little look into the daily serving sizes of a mortgage broker ☕️😉📞403-863-4514📩chantelle@flaschmortgages.com🌐 flaschmo...
09/27/2025

A little look into the daily serving sizes of a mortgage broker ☕️😉

📞403-863-4514
📩[email protected]
🌐 flaschmortgages.com

One of the hardest myths to break for real estate agents relates to financing. Many home buyers believe that getting pr...
09/26/2025

One of the hardest myths to break for real estate agents relates to financing. Many home buyers believe that getting pre-approved doesn’t need to take place until they have found their perfect home. This is a huge mistake for many reasons.

A buyer should be and want to be pre-approved for a mortgage before they house hunt. House hunting can be time consuming, exciting, frustrating, and many other things. Before getting involved in a full out search for that perfect home, eliminate the chances of any disappointment down the road by getting a pre-approval from a mortgage lender. A buyer can be devastated if they find a home they love, write an offer, and have it accepted only to find out in the future they have been declined for a mortgage.

Another reasons why a buyer should get pre-approved for a mortgage before finding their perfect home is in the event their perfect home is receiving multiple offers. A multiple offer scenario is a dream for a seller and a nightmare for a buyer. A buyer who has been pre-approved has a significant advantage in a multiple offer scenario.

📞 403-863-4514
📩 [email protected]
🌐flaschmortgages.com

When you're budgeting for a new home, it's important to consider both the purchase price budget and the cash flow budget...
09/26/2025

When you're budgeting for a new home, it's important to consider both the purchase price budget and the cash flow budget. Being "house rich and cash poor" is no fun! The home price based on your cash flow budget may be dramatically different than the budget home price you qualify for. 🏠

The benefit of a budget is two-fold. Not only does it help you to understand your purchase price range and find an affordable home, but it can also help you to see any gaps in your budget or opportunities for future savings. This will be instrumental when you become responsible for mortgage payments. So when you're thinking about your budget, be sure to consider both the purchase price and the cash flow. It'll help you find a more affordable home that fits your needs – and avoid any unpleasant surprises down the road. 🙌

📞 403-863-4514
📩 [email protected]
🌐 flaschmortgages.com

A real estate property is a great place for new beginnings. 🥰Whether that means continuing the growth of your family, or...
09/23/2025

A real estate property is a great place for new beginnings. 🥰

Whether that means continuing the growth of your family, or simply using the property as your place for solitude, a new home is always a new beginning!

Ready for your next home? Let's get you pre-approved before you start shopping ~ 🏠

📞 403-863-4514
📩 [email protected]
🌐flaschmortgages.com

4 Ways to reduce financial stress! 😉Would you be financially prepared if you or a loved one, got sick and you could work...
09/23/2025

4 Ways to reduce financial stress! 😉

Would you be financially prepared if you or a loved one, got sick and you could work?
What about if you lost your job?

Being financially prepared for situations like this (even though we hope they never happen) will help reduce the stress, so you can focus on what's important at that time. Though we can't be 100% ready for a situation like this, here are a few ways to help be better prepared:
1. Understand your financial picture 💰
2. Learn from your mistakes ✍️
3. Set achievable goals & celebrate the small wins! 🎉
4. Read books and talk to professionals to stay motivated 🙌

Sure, this won't solve all your problems - but it will certainly lead to a less stressful way of living!

Do you have any easy financial tips you could share? 😄

📞403-863-4514
📩[email protected]
🌐flaschmortgages.com

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Okotoks, AB

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+14038634514

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