Indi Mortgage - Arlene Arneson Mortgage Agent

Indi Mortgage - Arlene Arneson Mortgage Agent I have worked in the lending industry for over 30 years as both a lender & mortgage associate RATE BUY DOWNS ARE AVAILABLE.

Hi, my name is Arlene and I have worked in the lending industry for 30 years spending time as both a lender and a mortgage associate/agent, being a mortgage associate for 15 years. I am an independent contractor who works with borrowers to obtain mortgage financing and also work with several referral sources and maintain a great relationship with them. I deal with 40+ lenders, acting on behalf of

the borrower to get the best product and best interest rate for their financial needs. Prior to 2002, I was employed with several lenders/banks in Calgary as a senior mortgage underwriter where I analyzed risk in regards to credit, down payment, property, employment and financial statements. I reviewed and adjudicated applications responding to brokers within allotted time frames, practiced due diligence of completion/fund of all residential mortgages, and was fully versed in lending policies of 40+ lenders, CMHC/GE/CG. Every one of my clients deserves to be treated with respect and that is exactly what they will get from me when they come to me for mortgage financing. I will provide them with knowledge & help them through the process of obtaining a mortgage. Purchasing a property and getting a mortgage is the biggest investment clients obtain throughout their lifetime so I want to make sure they are provided with professional advice. If clients are not in the position to qualify for a mortgage today, I am able to put a plan together and help them qualify for a mortgage in the future.

🏠 Rental Income and Using It Help You Qualify for a Mortgage.If you earn rental income from a secondary suite, investmen...
05/19/2026

🏠 Rental Income and Using It Help You Qualify for a Mortgage.

If you earn rental income from a secondary suite, investment and/or multi-unit property; lenders may consider a percentage of this income toward mortgage qualification.

Depending on the lender, 50% to 100% of verified rental income could be added to your total income to help improve affordability, boost your approval odds, or increase your purchasing power.

Connect with me today to discover how your rental/investment income can improve your mortgage options. 403-391-8827

Your Term is how long your rate and mortgage conditions are locked-in. While many Canadian borrowers choose a 5-year ter...
05/13/2026

Your Term is how long your rate and mortgage conditions are locked-in. While many Canadian borrowers choose a 5-year term, shorter and longer options exist depending on your goals and market conditions.

Your Amortization is the total time to pay off your mortgage (with regular payments). Most are set at 25 years, though some buyers, including first-time buyers, and those purchasing new builds, may have access to 30-year amortizations (longer amortizations can lower monthly payments but increase total interest over time).

Choosing the right amortization can impact both affordability today and cost over the life of your mortgage. Pairing that with the right term helps ensure your mortgage stays aligned with your plans as things change.

📞Before you lock in a rate or commit to a lender, talk to a licensed mortgage agent first. Unlike a bank, a mortgage agent works for you — not the lender — ensuring your mortgage is structured around your goals from day one.

📲 403-391-8827

Before exploring potential homes or placing an Offer To Purchase it’s worth taking time to understand your financial pic...
05/06/2026

Before exploring potential homes or placing an Offer To Purchase it’s worth taking time to understand your financial picture and the mortgage financing available to you.

Speaking with a mortgage agent early in the process will help establish: a realistic budget, down payment options, and how factors such as the stress test, condo fees, and closing costs may affect your purchase.

It also gives you time to prepare documents, explore lender options, and get pre-approved so when the right home appears, you’re ready to move with confidence. A little preparation upfront can make the buying process smoother and help avoid surprises later.

📞 Set yourself up for a stronger buying experience - connect with me before you start house hunting! 403-391-8827

For many homeowners, refinancing is an opportunity to adjust their mortgage to better fit their current financial situat...
05/01/2026

For many homeowners, refinancing is an opportunity to adjust their mortgage to better fit their current financial situation.

A refinance can be a great option if you're looking to consolidate higher-interest debt, fund renovations, access equity for investments, or to adjust monthly payments. It can also be a useful strategy if your mortgage is coming up for renewal and you want to access available equity without the threat of payout penalties.

Like any mortgage decision, the right approach depends on your full financial picture, including your home’s value, current mortgage terms, and long-term plans. Working with a licensed mortgage agent helps ensure you understand the full range of options available before making a decision.

💡 Connect with me today to explore whether a refinance could support you in your financial goals.

403-391-8827

This Earth Day, we are reminded that sustainability is about more than the environment. It's also about making smart, lo...
04/22/2026

This Earth Day, we are reminded that sustainability is about more than the environment. It's also about making smart, long-term choices for our homes and communities.

🌱 Thinking about buying, renovating, or investing? Green mortgage options and energy-efficient upgrades can help lower costs while reducing your footprint.

Small steps add up. Let’s build a future that works for both homeowners and the planet.

Some mortgages allow you to transfer your existing rate and terms to a new property - no penalty. It's called portabilit...
04/10/2026

Some mortgages allow you to transfer your existing rate and terms to a new property - no penalty. It's called portability, and it can save you significantly if your rate is favourable or market conditions have shifted.

Not all mortgages offer it and the details vary by lender. That's why looking beyond the headline rate matters - features like portability, flexibility, and penalty structures can make a big difference when your plan(s) change.

We help you see the full picture, not just the rate. Connect with me today for your free mortgage review! 403-391-8827

Getting approved is only one part of the picture. The real value comes from understanding how your mortgage fits into yo...
03/24/2026

Getting approved is only one part of the picture. The real value comes from understanding how your mortgage fits into your broader financial life, today, and years from now.

I work alongside clients to review budgets, assess affordability, compare lender options, and build a strategy that supports long-term goals. With independent advice and access to over 50 lenders, we look beyond headline rates to focus on structure, flexibility, and what will serve you best over time.

Whether you are buying, renewing, refinancing, investing or simply planning ahead, guidance matters more than a quick approval.

💡📘 Follow along for practical mortgage education, or connect with me when you are ready to talk strategy.

403-391-8827

The Bank of Canada held rates at 2.25% today — and it's a decision caught between two competing forces. 📊A softening eco...
03/18/2026

The Bank of Canada held rates at 2.25% today — and it's a decision caught between two competing forces. 📊

A softening economy, unemployment at 6.7%, and inflation cooling to 1.8% would normally signal cuts ahead.

But with oil prices surging and global uncertainty rising from the Middle East conflict, the Bank is holding steady and watching closely.

For now — variable rates and HELOCs are unchanged, and fixed rates are moving with bond market volatility.

Have questions about what this means for your mortgage this spring? I am here. 👇

403-391-8827

IndiMortgage

Why does the stress test matter? Even if you secure a competitive rate, your approval amount is based on whether you cou...
03/16/2026

Why does the stress test matter?

Even if you secure a competitive rate, your approval amount is based on whether you could manage payments at the stress test rate. Affordability remains top of mind for many Canadian buyers, understanding this rule is critical; as it can affect how much you qualify for, which lenders are available to you, and how your overall strategy should be structured.

We help clients understand how the stress test applies to their situation and explore ways to strengthen buying power through preparation, structure, and lender selection.

📞 Connect with me make the most of your buying power.

403-391-8827

Did You Know You Can Work With a Mortgage Agent at Renewal?Many homeowners assume staying with their current lender is t...
03/10/2026

Did You Know You Can Work With a Mortgage Agent at Renewal?

Many homeowners assume staying with their current lender is the only/or best available option. In reality, renewal time is a decision point, and a great time to work with a mortgage agent (even if your original mortgage was set up directly with a bank).

Reviewing your renewal before signing it back to your existing lender provides an opportunity to compare rates, terms, and mortgage products across multiple lenders. It can also open the door to better flexibility, improved cash flow, and a strategy that aligns more closely with your plans for the future.

We help homeowners understand their options well before renewal deadlines. So decisions are informed, not rushed.

➡️ Reach out if your mortgage is up for renewal this year. 403-391-8827

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Sylvan Lake, AB
T4S1H2

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+14033918827

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