Ingram Mortgage Team

10/09/2026

Buying your first home in the Lower Mainland can feel a bit like assembling flat-pack furniture without the instructions. 🛋️😅 But hey, take a deep breath—you've got this, and you've definitely got us! 🏡✨ Whether you are trying to figure out down payments or deciphering mortgage terms, we are here to make the whole process feel less scary and a whole lot more human. Plus, if you want a fantastic free resource to kickstart your journey, check out bchomeguide.com for some great local insights! Drop a comment or slide into our DMs—let's chat about getting you into your very own front door. 🔑❤️

09/23/2026

Why do some people love fixed rates while others ride the variable wave? 🌊 Let’s break it down without the boring banker jargon! A fixed rate gives you that cozy, predictable 'same payment every month' hug 🤗. Perfect if you like consistency. A variable rate can float up and down with the market—great when rates drop, but it definitely keeps you on your toes! 📈📉 Wondering which one fits your vibe? Give your Mortgage Family a call and let's chat! ☕🏡

07/17/2026

Dreaming of owning your first home? 🏡 We get it – the journey can seem a bit like trying to solve a Rubik's Cube blindfolded! 😵 But guess what? You don't have to do it alone. We're here to shine a light on the path and make it feel less like a puzzle and more like a walk in the park! 🌳

At Ingram Mortgage Team, we believe in empowering first-time homebuyers with all the knowledge and support you need. Think of us as your personal mortgage GPS! 🗺️ We'll guide you through every turn, from understanding pre-approvals to closing the deal.

Ready for a secret weapon? Check out bchomeguide.com – it's a fantastic *free* resource packed with valuable info to help you navigate the BC housing market. It's like having a cheat sheet for your homebuying exam! 😉

Don't let the unknowns hold you back. Let's chat about your homeownership dreams. We promise, it's easier than trying to teach a cat to fetch. (Trust us, we've tried! 😹)

07/13/2026

This happens more often than you might think. A bank employee, or another Broker, tells a client "no". It comes up in conversation and we ask a few probing questions and realize that there's a way to get this approved. Whether it's a niche program at a specific bank or credit union, or an extra income source that wasn't revealed initially because the client didn't think it would help the approval.
Dozens of options and experience matters more than people realize!
So glad we were able to help this first time buyer.
DM us if you've been told "no" but don't feel like your full story was heard.

07/09/2026

The USMCA wasn't renewed on Canada Day. Here's what that actually means for your mortgage. 📉🇨🇦
It sounds like high-level political news — but trade uncertainty has a direct line to your wallet.
Trade uncertainty pushes Canadian bond yields higher. Higher bond yields put upward pressure on fixed mortgage rates. The Bank of Canada is watching this closely ahead of their July 15 rate decision, while also cognizant of the realities of an overall unhealthy economy.
The good news? For buyers, economic uncertainty keeps competition low — if you are prepared, there is real opportunity out there right now. For homeowners approaching renewal, early planning is your best defense against rate volatility.
You don't need to be a trade expert to win in this market. That's my job. I watch the macro economy so you can focus on your home. 🏡
Send me a DM or hit the link in my bio to book a free strategy call — let's make sure your mortgage is built for the current market.

07/07/2026

The 30-year amortization Canada mortgage rule changed in August 2024 — and a significant number of buyers still haven’t fully absorbed what it means for them. For the first time, insured mortgages (those with less than 20% down) can now be amortized over 30 years, provided the buyer qualifies under the new federal criteria.

Before this change, 30-year amortizations were the exclusive territory of buyers putting down 20% or more. Now, borrowers with as little as 5% down can access a longer repayment timeline — if they meet the criteria.

06/22/2026

The kids have moved out. The house feels bigger than it needs to be. The lawn is more work than it used to be. And somewhere in the back of your mind, you’ve started doing the math on what all that equity could do for you.

Done well, it can free up capital, eliminate debt, reduce carrying costs, and fund a retirement that looks the way you want it to. Done without planning, it can come with surprises that eat into the proceeds you were counting on.

Here’s what you need to think through before you list.

Downsizing comes with real financial complexity. Equity, penalties, timing, and what to do with the proceeds — here's the full picture.

06/17/2026

Why did the house go to the doctor? 🏡 Because it was feeling a little run-down! 😂 Get it? Run-down! We know, we know, another groan-worthy dad joke from your Mortgage Family! But hey, we're here to make even the 'run-down' parts of your mortgage journey feel a whole lot better. Whether you're buying a fixer-upper or a brand new build, we've got the expertise (and the bad jokes) to help you find the perfect mortgage solution. Don't let your mortgage leave you feeling run-down! Give us a call today! 😉

06/15/2026

🌟 Client Love Alert! 🌟 We're absolutely thrilled when we can help our clients achieve their dreams, especially when time is of the essence! 🎉

Just look at what Barb had to say about her experience with us:

"Had the best experience, needed fast approval within 72 hours and they had it done in 24 hours! Would highly recommend this company!"

Wow! Getting that approval done in just 24 hours for Barb was a huge win, and we're so proud of our team for making it happen! It's moments like these that remind us why we love being your mortgage family. 🥰

Need a fast and friendly mortgage experience? You know who to call! 😉

06/12/2026

Happiest of Birthdays to our very own Kristen Anakotta ! She is such a big asset to our team, as is evidenced by the review from one of our clients in the second image. What a great review to come in on your birthday of all days!
Just like your birthday, this is just one of many.
Hope you have an awesome day!