Kelly Lukens - Mortgage Broker

Kelly Lukens - Mortgage Broker I am a hardworking and passionate Mortgage Broker, serving clients since 2007. My experience and knowledge allow me to assist with many different requests

Do you have a fixed mortgage rate over 5%? 🏡It may be time to run the numbers before your mortgage maturity date.Mortgag...
09/07/2026

Do you have a fixed mortgage rate over 5%? 🏡

It may be time to run the numbers before your mortgage maturity date.

Mortgage penalties are calculated differently depending on your lender, bank and mortgage product. Your penalty may be manageable enough that refinancing early could potentially:

• Lower your interest costs
• Reduce your monthly payment
• Improve your monthly cash flow

Don't assume you have to wait until renewal to make a change. The important part is comparing the penalty against the potential savings to see if refinancing actually makes financial sense.

It’s worth a 15-minute phone call to find out!

Kelly Lukens | Lead Mortgage Broker & Licensed Insurance Agent
🏢 Mortgage Architects
📧 [email protected]
📲 403-505-1771
🌐 www.kellylukens.ca

Happy Labour Day! Here’s to the hard work, dedication, and everyday efforts that help build our families, businesses, an...
09/07/2026

Happy Labour Day!

Here’s to the hard work, dedication, and everyday efforts that help build our families, businesses, and communities.

Wishing you a safe and happy Labour Day! 🍁

Sometimes, there’s a mortgage emergency on a weekend….and when there’s something I can do to help ease a client’s mind, ...
09/06/2026

Sometimes, there’s a mortgage emergency on a weekend….and when there’s something I can do to help ease a client’s mind, I’ll drop what I’m doing and help.

Every application matters to me, and every client deserves the same effort, communication and advocacy.

Mortgages don’t always follow Monday-to-Friday hours — and sometimes, neither do I. ❤️

When you work with me, you’re not just another application in the queue.

Kelly Lukens | Lead Mortgage Broker and Licensed Insurance Agent
📲 403 505 1771
📧 [email protected]
🌐 www.kellylukens.ca

Morning coffee hits different in your own kitchen. ☕There’s something special about having a space that feels completely...
09/05/2026

Morning coffee hits different in your own kitchen. ☕

There’s something special about having a space that feels completely yours. Your favourite mug, your own routine, and a kitchen that starts to feel like home.

Sometimes, it’s the little everyday moments that make the idea of homeownership worth it.

09/04/2026

🔑 Does your mortgage mature before January 2027? Don’t wait for your renewal letter. NOW is the time to start reviewing your options.
With today’s rates, your renewal matters more than ever.
Simply signing your bank’s offer could mean missing better options.
💡 Your mortgage isn’t one-size-fits-all.
As a Mortgage Broker, I compare lenders, customize solutions, and make sure you’re not leaving money on the table.
💬 Let’s review your options before you renew. It could save you more than you think.
Kelly Lukens | Lead Mortgage Broker & Licensed Insurance Agent
🏢 Mortgage Architects
📧 [email protected]
📲 403-505-1771
🌐 www.kellylukens.ca

🏡 OPEN HOUSES | SEPTEMBER 5 & 6Thinking about making a move? Take the opportunity this weekend to tour these homes in Re...
09/03/2026

🏡 OPEN HOUSES | SEPTEMBER 5 & 6

Thinking about making a move? Take the opportunity this weekend to tour these homes in Red Deer, Red Deer County & Blackfalds!

SATURDAY, SEPTEMBER 5
🏠 20 Memorial Parkway, Red Deer County | 1–3 PM
Cassie Orlando, Realtor - Coldwell Banker Ontrack Realty

🏠 3501 Spruce Drive, Red Deer | 1–3 PM
Karrie-Anne Brewster

🏠 191 Morris Court, Blackfalds | 12–2 PM
Melissa Morin Century 21 Maximum Real Estate For Red Deer & Area
Lauren Nicolay Real Estate Red Deer and Area-Century 21 Maximum

SUNDAY, SEPTEMBER 6
🏠 42 Westglen Boulevard, Blackfalds | 1–3 PM
Lorie Simmerson, Realtor, Grassroots Realty Group

🏠 5 Tallman Close, Red Deer | 1–3 PM
Realtor: Pamella Warner

🏠 40 Kirby Street, Red Deer | 1–3 PM
Melissa Morin Century 21 Maximum Real Estate For Red Deer & Area

💡 Pro tip before you go:
Let’s get your pre-approval in place first.

Getting pre-approved before attending open houses gives you confidence, clarity, and a clear understanding of what fits your budget, so you’re ready if the right home shows up.

Whether you’re just starting your home search or already have a property in mind, reach out and let’s get you prepared.

Kelly Lukens | Lead Mortgage Broker & Licensed Insurance Agent
🏢 Mortgage Architects
📧 [email protected]
📲 403-505-1771
🌐 www.kellylukens.ca

A reminder as we plan for September 30. 🧡Wednesday, September 30, 2026, is National Day for Truth and Reconciliation, a ...
09/03/2026

A reminder as we plan for September 30. 🧡

Wednesday, September 30, 2026, is National Day for Truth and Reconciliation, a federal statutory holiday observed as a day off in some sectors and workplaces.

For Realtors, keep this date in mind when writing contracts and setting timelines.

Please avoid scheduling:
• Condition of Financing deadlines
• Possession/funding dates
• Other mortgage-related deadlines that require lenders, lawyers, or financial institutions to be available

A little planning ahead can help avoid unnecessary stress for everyone involved in the transaction.

And most importantly, September 30 is a day to honour the children who never returned home, the Survivors of residential schools, and their families and communities.

Every Child Matters. 🧡

Kelly Lukens | Lead Mortgage Broker & Licensed Insurance Agent
🏢 Mortgage Architects
📧 [email protected]
📲 403-505-1771
🌐 www.kellylukens.ca

09/02/2026

More Canadians are choosing Mortgage Brokers, and there’s a reason. 🏡

According to recent research from Mortgage Professionals Canada, 38% of recent homebuyers used a Mortgage Broker in 2025, rising to 48% among recent first-time buyers.
And it’s not just about finding a competitive rate.
Buyers are turning to brokers for help understanding their options, comparing lenders, choosing the right mortgage product, and navigating the process. In fact, 83% of mortgage holders who used a broker said they would recommend their broker.

Your mortgage is a big financial decision. Having someone in your corner who can look at the whole picture can make all the difference.
📊 Source:
www.canadianmortgagetrends.com/2026/07/mortgage-broker-share-rises-to-38-hits-48-among-recent-first-time-buyers-mpc/

Kelly Lukens | Lead Mortgage Broker & Licensed Insurance Agent
🏢 Mortgage Architects
📧 [email protected]
📲 403-505-1771
🌐 www.kellylukens.ca

🇨🇦 BANK OF CANADA UPDATEThe Bank of Canada has held its overnight rate - no change to PRIME RATE.Rate announcements get ...
09/02/2026

🇨🇦 BANK OF CANADA UPDATE

The Bank of Canada has held its overnight rate - no change to PRIME RATE.

Rate announcements get a lot of attention, but what matters most is what this means for YOUR mortgage.

If you’re unsure about your renewal, payments, debt, refinancing options, or simply whether your current mortgage still makes sense, reach out before uncertainty becomes stress.

And if you have a variable or adjustable-rate mortgage, remember that not all are structured the same.

I often say a variable mortgage needs a little babysitting. If you need guidance or just some reassurance, please don't wait!

Kelly Lukens | Mortgage Broker and Licensed Insurance Agent
📲403 505 1771
📧 [email protected]
🌐 www.kellylukens.ca

The next Bank of Canada interest rate announcement is scheduled for tomorrow, September 2nd.What will it mean for your m...
09/01/2026

The next Bank of Canada interest rate announcement is scheduled for tomorrow, September 2nd.

What will it mean for your mortgage? Let's talk about how it could affect your current rate, or your next move.

Kelly Lukens | Lead Mortgage Broker & Licensed Insurance Agent
🏢 Mortgage Architects
📧 [email protected]
📲 403-505-1771
🌐 www.kellylukens.ca

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Red Deer, AB
T4R2J3

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