Kelly Lukens - Mortgage Broker

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Canada
Red Deer, AB
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

11/02/2026

PRE-APPROVALS EXPIRE!
A pre-approval is based on your financial picture at that moment.
If something changes before you buy, your mortgage qualification can change too.
Before making a financial move, check with me first!
NEW DEBT CAN CHANGE THE NUMBERS
Thinking about a new:
🚗 Vehicle loan or lease
💳 Credit card or line of credit
🛋️ Financing for furniture
🤝 Co-signing a loan for someone else
New monthly obligations can affect how much mortgage you qualify for, even if you’re only the co-signer.
EMPLOYMENT CHANGES MATTER TOO
A new job, change in hours, switching from salary to commission, becoming self-employed or entering a probationary period can all affect how a lender views your income.
Already pre-approved? Keep me in the loop.
Before taking on new debt, co-signing, or changing employment, give me a call so we can see how it could affect your approval.

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

10/31/2026

Happy Halloween! 🎃 The best treat of all? A front door that's all yours.

10/30/2026

Protect What Matters Most

Your mortgage may be one of your biggest financial commitments, but your family is what matters most.

Mortgage Protection Plan® can help provide financial security when life doesn’t go according to plan.

Choose the protection that fits your needs:

✔️ Mortgage Life Insurance - helps pay off your insured mortgage balance if you pass away.
✔️ Disability Insurance - helps cover your mortgage payments if a covered illness or injury prevents you from working.

Protection isn’t just about your mortgage; it’s about helping your family stay in the home you’ve worked hard to build.

Whether you’re purchasing, renewing or simply reviewing your current protection, let’s make sure you understand the options available to you.

Protect your home. Protect your income. Protect the people who matter most. ❤️

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

10/28/2026

The Bank of Canada has raised its policy rate, therefore Lenders are increasing their Prime Rates, which can affect:

• Variable and adjustable-rate mortgages
• Personal lines of credit
• HELOCs

How the change affects you depends on your lender and the specific features of your mortgage.
Don’t assume your payment or rate will change in the same way as someone else’s.

Financial strategies need to evolve with your life and the economy, and your mortgage is part of that plan.

It is time for a mortgage checkup!

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

10/27/2026

The Bank of Canada's next interest rate announcement is scheduled for tomorrow, October 28th.

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

10/26/2026

🏡 HOW MUCH DO YOU REALLY NEED FOR A DOWN PAYMENT?

You may be closer to homeownership than you think!

Here’s what the minimum down payment looks like on these purchase prices:

🏠 $200,000 → $10,000
🏠 $300,000 → $15,000
🏠 $400,000 → $20,000
🏠 $500,000 → $25,000

For eligible purchases of $500,000 or less, the minimum down payment can be just 5%.

And remember, the minimum down payment isn’t just for first-time home buyers. Depending on your situation and the property, repeat buyers may also be able to purchase with less than 20% down.

For more information: www.canada.ca/en/financial-consumer-agency/services/mortgages/down-payment.html

Don’t assume you need a huge amount saved before you start looking. Let’s run the numbers and see what homeownership could look like for you.

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

10/24/2026

Buying a new home before the current one sells? Timing both sides can feel like a puzzle. Once the current home has a firm buyer, bridge financing may help cover the gap between buying and selling, depending on the lender. Planning the price, timing and terms of both deals together makes the whole process smoother.

10/23/2026

🏁 Home Ownership Can Be a Marathon, Not a Sprint

Thinking about buying a home someday? Start preparing now, even if your finish line is a year or two away.

Getting mortgage-ready early gives us time to look at the full picture: your credit, income, debts, down payment, closing costs, and monthly budget. Those are all factors lenders consider when assessing a mortgage application.

Sometimes the best mortgage plan isn’t about what you can qualify for today. It’s about identifying what needs to happen so you can qualify for the home you want in the future.

Maybe we need to build your savings, improve your credit, reduce debt, or simply create a plan and timeline.

You don’t need to be ready to buy to start the conversation.
Start prepping early, and let’s work toward that finish line together. 🏡

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

Address

Red Deer, AB
T4R2J3

Website

http://www.kellylukens.ca/

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