Lisa McInnes Mortgages Verico Paragon Mortgage Inc

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Sherwood Park, AB
Lisa McInnes Mortgages Verico Paragon Mortgage Inc

I pride myself on the customer service I provide my clients. I listen to your needs and wants and do what is in your best interest. I’m here for all of it.

I’m not just here to get you a mortgage — I’m here to protect your peace while you make one of the biggest financial decisions of your life. I’ve built my career on trust, clarity, and straight-up follow-through. I believe in doing things the right way, for the right reasons, with people I genuinely care about. My clients aren’t just files — they’re humans with goals, timelines, and sometimes a little chaos thrown in. This industry isn’t always kind, and neither is the homebuying process. That’s why I take the time to get it right — because cutting corners and crossing fingers isn’t how I operate. I bring strategy, education, and grounded advice to every conversation, whether you're buying your first home, renewing your mortgage, or navigating something more complex. Yes, I’m detail-oriented. Yes, I take my relationships seriously. And yes — I notice when people disappear after months of work. But I’ve learned how to keep my standards high and my heart soft. Because ultimately, this business isn’t just about rates and approvals — it’s about trust, timing, and the people you choose to have in your corner. So if you’re looking for a mortgage partner who gives a damn — about your goals, your timeline, and your peace of mind — I’m right here.

10/31/2026

Going into the weekend waiting for food to take out. If I don’t post tomorrow, I hope all the trick or treaters, big and small, have fun and stay safe.

10/29/2026

Get yourself work besties who look at you like this when someone hands you a microphone. 😂❤️

Caught in the wild at the Mortgage Professionals Canada National Conference.

Because apparently, giving me a microphone in a room full of mortgage professionals is a spectator sport.

And judging by that look, she’s just waiting to see what comes out of my mouth next.

Honestly, fair. 🤣

But this is one of the things I love about being part of Tango. The friendships, the support, the encouragement, and having people in your corner who genuinely want to see you succeed.

Even when they’re probably wondering what you’re about to say next. 😂

That’s the kind of culture I’m pretty lucky to be part of.

10/28/2026

Well, that wasn't the news mortgage holders were hoping for! And against a lot of what the economists had said should happen. Shocker....

The Bank of Canada has increased its overnight rate from 2.25% to 2.50%. This is the rate the BoC lends at. The reason comes down to one word: inflation.

If you had a rate that was subject to prime, prime is 4.45%. This is the base rate that banks use to lend money to consumers. A mortgage/heloc/loan that is subject to prime will usually either have a discount (-) or a premium (+) attached to it.

Here's what's happening:

Energy prices are driving inflation higher. Inflation has been hovering around 3% and is expected to reach 3.5% by the end of 2026.

Canada's economy is performing better than expected. Consumer spending has remained strong, and economic growth has exceeded earlier forecasts.

Global uncertainty continues. Higher oil prices, ongoing conflict in the Middle East and trade tensions are adding pressure to the cost of goods and services.

Could rates increase again? Yes. The Bank specifically stated that further increases may be needed, although it plans to proceed carefully.

What does this mean for your mortgage?

Variable rates: Your payment will stay the same but your amortization will increase.

Adjustable rates: Lenders will likely increase their prime rates soon and will let you know what your new payments will be.

A $100,000 mortgage over 25 years, the monthly payment if you were paying prime is now $564.65 vs the $550.70 yesterday.

Fixed rates: Today's announcement does NOT automatically increase fixed mortgage rates. Those are influenced primarily by bond yields, which have already been rising.

My takeaway?

This is exactly why mortgage decisions shouldn't be based solely on predictions of where rates are heading. Your mortgage needs to work for YOU, regardless of what the Bank of Canada does next.

Questions? I am here.

10/26/2026

“I don't see rates going up anytime soon.”

Well, THAT got my attention!

And apparently Copper and Frankie have decided to enter the mortgage forecasting business.

They've consulted their crystal ball and are cautiously optimistic. Although I'm pretty sure Copper's predictions depend on treat availability, and Frankie is just wondering who's in charge. 😂

But here's what an ACTUAL economist had to say!

At the MPC Conference, CMHC's Chief Economist, Mathieu Laberge, shared his outlook on interest rates and he doesn't expect the Bank of Canada to increase its policy rate for the remainder of 2026, although increases could begin as early as spring 2027.

So does that mean mortgage rates aren't going up?

Not so fast!

Here's where I remind everyone that FIXED and VARIABLE mortgage rates don't work the same way.

Variable and adjustable rates generally follow changes to lenders' prime rates, which are influenced by the Bank of Canada's policy rate which will be announced Wednesday.

Fixed rates are influenced by the bond market and can increase or decrease even when the Bank of Canada does absolutely nothing.

And while this outlook is encouraging, it's important to remember that it's a prediction, not a guarantee.

After all, economists don't have crystal balls either. Although apparently Copper and Frankie think they do. 🔮

My takeaway?

Whether you're buying, renewing or refinancing, your mortgage strategy should be based on YOUR finances, goals and comfort with risk. Not just where someone thinks rates are headed.

Because the best mortgage isn't necessarily the one with the lowest rate today. It's the one that makes sense for you, now and down the road.

And THAT is why we talk strategy, not just rates.

As for Copper and Frankie?

Their crystal ball has been confiscated until further notice. Apparently, neither one is licensed to provide economic forecasts. 😂

And stay tuned to see if CMHC's economist was right.

10/22/2026

Picture it. MPC. 2026. 🎬

A mortgage broker who started in 2009 FINALLY attends her first national conference.

17 years. Apparently, I don't like to rush into things. 😂

3 parties the first night.
7 parties the second.
More Uber rides than I care to count.
So much food.
Endless laughs.
And feet that may never forgive me. 🤣

In fact, after night ONE, I had already booked a chiropractor appointment for when I got home. I knew exactly where this was heading. 😂

But between all the shenanigans, there was also a whole lot of learning, connecting, growing and stepping outside my comfort zone.

I asked an economist a question in front of a VERY large room, climbed onto a mechanical bull (getting on was harder than staying on!) and made memories with some pretty incredible people.

And THAT is what made this weekend so special.

The friendships that started as business relationships. The familiar faces. The new connections. The conversations that challenge you, encourage you and remind you why you love what you do.

These conferences aren't just about mortgages. They're about the people who make you better at what you do.

And for those wondering about the music choice, our mortgage team's WhatsApp group is called The Golden Girls.

And I'm Sophia. Obviously. 🤣

To the friends who make this industry feel a whole lot less like work and a whole lot more like family, thank you for being a friend.❤️

Now, if you'll excuse me, Sophia has another chiropractor appointment to book. 😂

10/20/2026

Sometimes you have to stand up and ask the question. Even in a VERY large room. 😳😂

At the recent MPC Conference, an economist suggested that increasing immigration could help stimulate Canada's housing market.

An interesting perspective, especially with yesterday's Alberta referendum bringing immigration, population growth and provincial services into the spotlight.

Alberta has experienced extraordinary population growth in a short period of time. Growth brings opportunity, but it also raises questions about housing, healthcare, schools and infrastructure.

And I had a feeling I wasn't the only person wondering how we balance those things.

So I stood up and asked for clarification.

Because while population growth supports housing demand and economic activity, how do we ensure our communities and services can keep pace?

To his credit, the economist acknowledged Alberta's challenges and explained why sustainable population growth matters, while cautioning against population decline.

And THAT is why I ask questions.

Not necessarily because I disagree, but because I want to understand the bigger picture.

As a mortgage broker, understanding economic trends and their impact on housing helps me better advise my clients.

It's not always about having the answers. Sometimes it's about asking better questions.

Now, here's the part you couldn't see. 😂

Over 1,200 people registered for the conference. Whether everyone made it to that morning session after the previous night's shenanigans is another question entirely. 🤣

But it was still a VERY large room.

And while I might have looked cool and collected, waiting to be acknowledged had me wondering whether I'd actually be able to speak when my turn came!

Then I reminded myself that I can do hard things.

I took a breath, asked my question and survived to tell the story.

And as it turns out, I was one of only FOUR people who asked a question.

Sometimes the hardest part isn't knowing what you want to say. It's finding the courage to say it. ❤️

10/20/2026

I spent the morning questioning an economist and the afternoon questioning my life choices. 😂🐂

Just another perfectly normal day at the Mortgage Professionals Canada Conference!

In the morning, I stood up in front of 1,200 or so lenders and mortgage brokers to ask an economist for a little clarification.

In the afternoon, I voluntarily climbed onto a mechanical bull with a hold my b**r artitude.

39 seconds, baby! 🐂🤣

The dismount? Somewhere between graceful and falling off the couch.

And apparently this is what happens when Chad isn’t around to supervise. 😂

But seriously, I’m not afraid to ask questions when I want to better understand something, even when there’s a room full of people listening.

Understanding the WHY matters. It’s how I learn, how I grow and how I make sure I’m giving my clients the best advice I can.

And because apparently neither of these moments can be properly explained in one Reel, they’ll each be getting their own post!

I’ll share what I asked the economist and why I thought it was important.

And yes, the mechanical bull will get its own moment in the spotlight too. All 39 glorious seconds, including my somewhat questionable dismount. 😂

Same Lisa. Different kind of bull. 🐂🤣

10/18/2026

Apparently some people go to conferences for the networking and social events.

Me? I’m over here getting ridiculously excited about learning new things and figuring out how to make my processes better. 😂🤓

Day ONE of the MPC Conference and I’m already geeking out!

I’ve been doing mortgages since 2009, and one thing I hope never changes is my willingness to learn, question how I do things and make changes when something could be done better.

Just because something has always worked doesn’t mean there isn’t a better way.

And ultimately, all of that comes back to YOU. 🤍

Better communication, smoother processes, better education and making the mortgage experience as easy as possible.

Which brings me to something I genuinely want to know…

What am I doing that you LOVE? And what could I be doing BETTER?

Seriously! I want to hear both.

Sometimes the things we think we’re doing well aren’t what matter most to our clients. And sometimes the smallest changes can make the biggest difference.

So tell me! I promise I can take constructive criticism. 😂

Now excuse me while I go geek out over more mortgage stuff that apparently makes me way more excited than a normal person should be. 🤓🏡

Address

310, 849 Premier Way
Sherwood Park, AB
T8H0V2

Website

http://www.lisamcinnesmortgages.ca/, https://lisamcinnesmortgages.mtg-app.com/signup

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