Denise Kelly - My Mortgage Girl

Denise Kelly - My Mortgage Girl Top Producing Mortgage Agent Licensed to do business in Alberta, Ontario & Newfoundland. Hi I'm Denise Kelly. Call me for all your Mortgage Needs.

I am a licensed Mortgage Agent based out of Spruce Grove Alberta. I am licensed to do business in Alberta, Ontario and Newfoundland. I have over 32 years’ experience working in the financial services industry and access to over 50 lenders in Canada. No Down Payment Mortgage, Home Buyers, First Time Home Buyers, Mortgage Approval, Self Employed, Investment Property, Debt Consolidation, Mortgage Ren

ewal, Mortgage Refinance, Home Equity/Renovations, Vacation Property, Credit Improvement. Call me to discuss the options available to you.

Your mortgage is one of the biggest financial decisions you'll make—and there's a lot more that goes into it than simply...
06/15/2026

Your mortgage is one of the biggest financial decisions you'll make—and there's a lot more that goes into it than simply finding the lowest rate.

Behind the scenes, I'm comparing lender options, answering questions, navigating guidelines, and helping create a mortgage strategy that fits your goals today and in the future.

Whether you're buying your first home, renewing, refinancing, or just exploring your options, my job is to make the process feel less overwhelming and help you move forward with confidence.

Because at the end of the day, I'm working for you—not the lender. 🤍

📩 Have questions about your mortgage options? Let's chat.

Not every mortgage situation is simple — and no, I can’t wave a wand and make every challenge disappear. ✨What I can do ...
06/13/2026

Not every mortgage situation is simple — and no, I can’t wave a wand and make every challenge disappear. ✨

What I can do is help you understand your options, explain the process, and work to find a mortgage solution that fits your goals.

Whether you’re buying your first home, renewing, refinancing, self-employed, or dealing with credit challenges, my job is to look beyond the surface and help you navigate the path forward with confidence.

Sometimes the answer isn’t a quick yes. Sometimes it takes strategy, planning, and the right lender. Either way, you don’t have to figure it out alone!

Have questions about your mortgage options? Reach out anytime!

Another Bank of Canada rate announcement is in the books, and the key rate remains unchanged at 2.25%.I know rate announ...
06/10/2026

Another Bank of Canada rate announcement is in the books, and the key rate remains unchanged at 2.25%.

I know rate announcements can bring a lot of questions, especially if you’re thinking about buying, renewing, or refinancing. While today’s hold won’t change everyone’s situation, it’s always a good reminder that your mortgage should fit your life and goals—not just whatever the headlines are saying.

Whether you’re planning a move, approaching a renewal, or simply want to understand your options, I’m always happy to help you make sense of it all.

06/08/2026

Mortgage renewals can sneak up faster than most people expect!

If your mortgage is coming up for renewal this year, don’t assume the offer from your current lender is your only option. A renewal is the perfect time to review your rate, explore different lenders, and make sure your mortgage still aligns with your financial goals.

The best part? You can start looking at your options months before your renewal date. Giving yourself time to compare can help you avoid leaving money on the table.

If your renewal is coming up, let’s chat and make sure you’re set up for success.

Google can tell you what rates are being advertised today, but it can't tell you which lender, term, or strategy makes t...
06/06/2026

Google can tell you what rates are being advertised today, but it can't tell you which lender, term, or strategy makes the most sense for your goals.

Whether you're buying your first home, renewing, refinancing, or just exploring your options, a quick conversation can often provide more clarity than hours of online searching.

No matter where you are in your mortgage journey, having a plan can make all the difference.Whether you're buying your f...
06/03/2026

No matter where you are in your mortgage journey, having a plan can make all the difference.

Whether you're buying your first home, coming up for renewal, considering a refinance, or looking at debt consolidation options, I'm here to help you understand your choices and build a strategy that fits your goals.

Not sure where to start? That's okay too. Sometimes a quick conversation is all it takes to get pointed in the right direction.

If a mortgage question has been sitting in the back of your mind, let's chat.

There are a lot of moving pieces in the mortgage world, but these are the moments that remind me why I love what I do.It...
06/01/2026

There are a lot of moving pieces in the mortgage world, but these are the moments that remind me why I love what I do.

It's not just about rates, paperwork, or lender guidelines.

It's the excitement in a first-time buyer's voice when they get approved. It's helping a family find a mortgage that fits their goals. It's the message months later saying they're settled into their new home. And it's the referrals from past clients who trust me enough to send their friends and family my way.

Those moments fill my cup every single time. ☕

Thank you to everyone who has trusted me to be part of your homeownership journey. It truly means more than you know. ❤️

The lowest rate isn’t always the best mortgage.I know that sounds backwards, but focusing only on the rate can sometimes...
05/30/2026

The lowest rate isn’t always the best mortgage.

I know that sounds backwards, but focusing only on the rate can sometimes cost you more in penalties, limit your flexibility, or leave you with a mortgage that doesn’t fit your long-term plans.

The right mortgage is about more than a number. It’s about:
✔️ Your future goals
✔️ Your monthly budget
✔️ How long you plan to stay in the home
✔️ Your comfort level with risk
✔️ Having options when life changes

That’s why every mortgage conversation should start with strategy—not just rate shopping.

If you’re buying, renewing, or refinancing this year, let’s talk about what makes sense for you, not just what looks good in a headline

One of the biggest misconceptions about mortgages is that it’s just about finding the lowest rate. But the truth is — th...
05/27/2026

One of the biggest misconceptions about mortgages is that it’s just about finding the lowest rate. But the truth is — the right mortgage should fit your life, your goals, and your future plans too.

Whether you’re buying your first home, moving into your next one, or planning ahead for renewal, my job is to help you look at the full picture — not just what works today, but what will continue working for you long after possession day.

I’m here to make the process feel clear, supported, and a little less overwhelming. If you’re thinking about buying this year, let’s chat about your options and build a strategy that works for you!

Address

Spruce Grove, AB

Telephone

+19054326429

Website

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