Francine Kwiatkowski Mortgages

09/09/2026

Waiting for a lower rate doesn’t always mean waiting for a better mortgage.

Rates can move down, but home prices can move too. If you wait one, three or five years for the “right” rate, the home you want may cost more by the time you’re ready to buy.

The rate matters, but so does the purchase price, your payment, your timeline and the equity you may be building along the way.

Francine Kwiatkowski | Mortgage Planner
📱 780-706-4801
📧 [email protected]
MORTGAGE ARCHITECTS

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09/05/2026

The amount of times I say “we” when I am, in fact, the entire “we” 😂
(And yes, my sunglasses are broken. “We” are not talking about it.)

Francine Kwiatkowski | Mortgage Planner
📱 780-706-4801
📧 [email protected]
MORTGAGE ARCHITECTS

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09/04/2026

Happy Possession Day to some very excited clients! 🤍

So happy to see this one come together and officially get to possession day. Wishing you and your family so many happy memories in your new home.

Thank you again for trusting me to be a part of the journey! it means so much.

Francine Kwiatkowski | Mortgage Planner
📱 780-706-4801
📧 [email protected]
MORTGAGE ARCHITECTS

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09/02/2026

Bank of Canada announcement day - no change.

The rate is being held. For borrowers, this announcement is most relevant to variable and adjustable-rate mortgages, as well as lines of credit.

As always, if you’re wondering what this means for your own mortgage or upcoming plans, reach out anytime.

Francine Kwiatkowski | Mortgage Planner
📱 780-706-4801
📧 [email protected]
MORTGAGE ARCHITECTS

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08/30/2026