Pamela Stevens For Your Mortgage Solutions

Pamela Stevens For Your Mortgage Solutions Pamela is an Alberta licensed Mortgage Broker, Co-Founder of Money Smart Chicks, & Co-Host of Million Dollar Mistakes: Lessons Learned.

Pamela specializes in residential real estate financing & education. Pamela has a bachelor's degree from MacEwan University. She has family in the real estate industry, she has been a real estate investor and currently owns her own home in Sherwood Park with her husband. Prior to becoming a mortgage agent, Pamela worked in the healthcare industry for 20 years.

Don’t wait until it’s too late—join us on Thursday, October 15th at 6:00 PM to learn what every adult child should know ...
09/10/2026

Don’t wait until it’s too late—join us on Thursday, October 15th at 6:00 PM to learn what every adult child should know when helping their parents plan their next chapter.

This essential event will equip you with the tools to support your family’s future with confidence. Link below for more details and to get tickets.

Comment: "Code" to get your Promo Code for $5 off.

Happy Labour Day Long Weekend! 🇨🇦🏡Whether you’re relaxing at home, tackling that last summer project, or spending time w...
09/06/2026

Happy Labour Day Long Weekend! 🇨🇦🏡

Whether you’re relaxing at home, tackling that last summer project, or spending time with family and friends, I hope you get a chance to enjoy this extra-long weekend!

And if homeownership, refinancing, investing, or making better use of your home equity is on your mind, I’m always happy to chat. Sometimes the best plans start with a simple conversation.

📲 Pamela Stevens | Mortgage Broker
780-722-8782
📧 [email protected]
🌐 pamelastevens.ca

09/04/2026

🏠 Buying a rental? Don’t assume your current lender is your best option.

Most traditional rental properties require a minimum 20% down — but choosing the right lender can be just as important.

Different lenders calculate rental income and your existing debts differently, which can impact how much you qualify for AND your ability to buy the next property.

If building a real estate portfolio is the goal, your mortgage should be part of the strategy. 🔑

📲 Let’s talk before you make an offer.

Pamela Stevens | Mortgage Associate
📞 780-722-8782
📧 [email protected]
🌐 pamelastevens.ca

The Bank of Canada announced today that it is holding its policy rate at 2.25%, extending the rate pause as it continues...
09/02/2026

The Bank of Canada announced today that it is holding its policy rate at 2.25%, extending the rate pause as it continues to assess inflation, economic growth and ongoing global uncertainty.

What does this mean for your mortgage? 🏡

👉 Variable-rate mortgage?
No change to your interest rate as a result of today’s announcement.

👉 Fixed-rate mortgage?
Today’s Bank of Canada decision does not directly affect fixed mortgage rates. Fixed rates are influenced primarily by Government of Canada bond yields and can move independently of the Bank of Canada.

💬 Lauren van den Berg, President & CEO of Mortgage Professionals Canada, commented:

“The Bank of Canada’s decision to hold its policy rate provides a measure of stability at a time when the economic outlook remains highly uncertain.”

She also noted that while predictability is welcome, many Canadian families continue to face financial pressure—particularly as mortgages come up for renewal.

📅 Next Bank of Canada rate announcement: October 28, 2026.

If your mortgage is renewing in the next 6–12 months, now is a great time to start looking at your options. Your renewal strategy should be about more than just the rate—it should fit your overall financial goals.

📲 Book a FREE 15-minute Mortgage Check-Up
Pamela Stevens | Licensed Alberta Mortgage Broker
📞 780-722-8782
📧 [email protected]

😳 That moment you realize you can breathe again after getting rid of high-interest debt...You know the feeling... checki...
08/28/2026

😳 That moment you realize you can breathe again after getting rid of high-interest debt...

You know the feeling... checking your bank account and realizing you're no longer paying a small fortune in credit card interest every month. 🤯🙌

If you're carrying balances on credit cards, personal loans, or high-interest lines of credit, refinancing your mortgage could be a smart financial strategy.

Here are some of the benefits:

✅ Lower your overall interest costs
✅ Consolidate multiple payments into one convenient monthly payment
✅ Improve your monthly cash flow
✅ Reduce financial stress
✅ Free up money to save, invest, travel, or simply sleep better at night!

But here's the important part...

A refinance isn't just about lowering your monthly payment—it's about improving your overall financial picture. We'll review your mortgage, the costs involved (including any penalties), and determine whether refinancing actually makes sense for your goals.

Sometimes it's the best financial move you can make. Sometimes it's better to leave things exactly as they are.

🏡 Let's find out what makes the most sense for YOU.

📅 Book your FREE 15-minute consultation:
https://calendly.com/mortgages-pamelastevens/client-meeting

📞 780-722-8782
📧 [email protected]
🌐 www.pamelastevens.ca

📚✏️ It's officially Back-to-School season!While everyone else is taking adorable "First Day of School" photos...I'm over...
08/26/2026

📚✏️ It's officially Back-to-School season!

While everyone else is taking adorable "First Day of School" photos...

I'm over here like:

📸 First day back to answering "How much can I qualify for?" 17 times before lunch. 😂

Parents are shopping for backpacks...
I'm shopping for the best mortgage rates.

Kids are bringing home homework...
I'm bringing home mortgage commitments.

Teachers get apples...
🍎 Mortgage brokers get document requests. 😅

But honestly? I wouldn't have it any other way.

Helping families get the keys to their dream home never gets old. Whether you're buying your first home, renewing, refinancing, or just wondering what you qualify for, class is officially back in session! 🏡

📅 Book your FREE 15-minute consultation:
https://calendly.com/mortgages-pamelastevens/client-meeting

📞 780-722-8782
📧 [email protected]
🌐 www.pamelastevens.ca

🎒 Pop Quiz: Are you renewing in the next 120 days? If so... you should probably talk to me first. 😉

🚗 That $500/month car payment could cost you a lot more than you think...Most people focus on the monthly payment.Mortga...
08/24/2026

🚗 That $500/month car payment could cost you a lot more than you think...

Most people focus on the monthly payment.

Mortgage lenders focus on how that payment affects your ability to qualify.

A $500/month car payment could reduce your mortgage purchasing power by approximately $70,000–$80,000 (depending on your income, interest rates, and other debts).

😳 That could mean:
🏡 A smaller home
📍A different neighbourhood
❌ Missing out on the home you really wanted

Before you finance a new vehicle or take on additional debt, make sure you know how it could impact your home-buying plans.

The best strategy? Know your numbers before you buy.

A quick conversation with a mortgage broker can help you understand your budget, avoid surprises, and put you in the best position when you're ready to make an offer.

📅 Ready to find out your true buying power?
Book your FREE 15-minute consultation here:
https://calendly.com/mortgages-pamelastevens/client-meeting

📞 780-722-8782
📧 [email protected]
🌐 www.pamelastevens.ca

💸 Thinking about breaking your mortgage? Don't let the penalty scare you… or surprise you.Not all mortgage penalties are...
08/20/2026

💸 Thinking about breaking your mortgage? Don't let the penalty scare you… or surprise you.

Not all mortgage penalties are created equal.

Here's the difference:

✅ 3 Months' Interest – Typically the penalty charged on most variable-rate mortgages.

⚠️ Interest Rate Differential (IRD) – Often used for fixed-rate mortgages and can be significantly higher than three months' interest, depending on your lender, interest rate, and time remaining on your term.

But here's what many homeowners don't realize...

👉 Sometimes paying the penalty actually saves you money if you're refinancing to a lower rate, consolidating debt, accessing equity, or restructuring your mortgage to better fit your goals.

Other times? It makes more sense to wait.

Every situation is different, which is why it's so important to run the numbers before making a decision.

🏡 Before you renew, refinance, or break your mortgage, let's review your options and make sure you're choosing the strategy that saves you the most money—not just today, but over the long term.

📞 780-722-8782
📧 [email protected]
🌐 www.pamelastevens.ca

08/20/2026

💰 Why is your mortgage rate different from someone else’s?

Not all mortgages are priced the same! Your rate can depend on:

🏠 Insured vs. conventional
📊 Credit score
💰 Loan-to-value (LTV)
🔄 Whether you’ve refinanced before
📅 Mortgage type & when you got it

So when someone says, “I got a better rate!” — you may not be comparing apples to apples. 🍎🍊

Want to know what rate and mortgage options apply to YOU? Book a FREE 15-minute mortgage consult!

📞 780-722-8782
📧 [email protected]
🌐 www.pamelastevens.ca

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Sherwood Park, AB

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