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I get it. It can feel like a lot. Pay stubs, bank statements, tax documents.. there’s a reason I ask for it all up front. It’s not to make things harder. It’s to make things smoother. When your documents are organized early, we can avoid last-minute surprises, keep your file moving quickly, and make sure your approval is as strong as possible. It also gives us more options. The more complete your file is, the more confident lenders feel, and that opens doors. So yes, it’s a little work now, but it’s worth it. And I’ll be here to walk you through every step. Questions about what you need to gather? I’m just a message away.

Today, we honour the National Day for Truth and Reconciliation. It's a time to reflect, remember, and stand with the survivors, families, and communities affected by residential schools. Wearing orange is one small way we show support, but the heart of this day is about listening, learning, and acknowledging the truth. Let’s hold space for the stories that need to be heard, commit to continued learning, and take steps toward meaningful reconciliation. Every voice matters. Every action counts. 🧡

Life never stands still. Kids grow, careers shift, families change, and retirement starts to feel closer than it once did. Each of these milestones can change what you need from your mortgage. If your renewal is coming up, it is the perfect time to pause and review. The mortgage you set up years ago may not fit your life today. Together, we can explore your options, restructure if necessary, and ensure your mortgage aligns with your current financial situation. A renewal is not just paperwork; it is an opportunity to set yourself up for the next chapter with confidence.

Would you buy a brand-new build or a charming older home? Both come with their own kind of magic. A new build gives you fresh finishes, modern layouts, and fewer immediate repairs. An older home often brings character, mature trees, and a neighbourhood that feels established. The best part is we are lucky to have both to choose from right now in St. Albert. Which would you lean toward if you were house shopping today?

The Bank of Canada just announced a 0.25% cut, bringing the overnight rate to 2.50%. This shift affects variable and adjustable mortgage rates, marking the first move since March. Most lenders’ prime rate now sits at 4.70%. So what does this mean for you? If you are considering buying, now is the time to secure a rate hold, ensuring you are protected if rates rise again. It is not always worth waiting for a slightly lower rate, especially when home prices make a bigger difference in the long run. If your mortgage is renewing in 2025, do not accept the first offer your lender sends you. We need to review all the options so you can save money, improve cash flow, or tailor your mortgage to match your next three to five years. If your renewal is in 2026, we can start planning now. In some cases, an early renewal or refinance can make more sense, and I can run the numbers so you know if paying a penalty today is worth it. The next Bank of Canada announcement is on October 29, 2025. You do not have to wait until then to make a smart move. Let’s talk strategy so you are ready.

Can I tell you a story about a family who almost missed out on their dream home? They had already fallen in love with the kitchen, the backyard, and the neighbourhood. Everything about the house felt right. Because we took the time to get them fully pre-approved, their offer went in with confidence. No last-minute surprises. No heartbreak. Too often people only get pre-qualified and later discover the home they thought they could afford is not actually within reach. A true pre-approval protects you from that disappointment and gives you the freedom to shop knowing your financing is solid. That is what I want for every client, the excitement of moving forward into a home you love.

Choosing paint colours, picking tile samples, and dreaming about the perfect kitchen backsplash is the fun part of buying a home! What many people don’t realize is that some of those renovation costs can actually be rolled right into your mortgage. With the Purchase Plus Improvements program, you can include the cost of upgrades in your financing, provided you have upfront quotes and the down payment reflects the improved value of the home. Things like kitchens, bathrooms, and flooring often qualify. It’s a smart way to move into a house you love and make it your own, without waiting years to save for upgrades. If you’ve got your eye on a home that needs a little love, let’s talk about whether Purchase Plus Improvements is the right fit for you.

Sometimes it just takes a fresh set of eyes on your finances, a little guidance, and a plan that actually fits your life. Not someone else’s checklist. You do not have to wait until everything is “perfect.” You do not have to figure it out on your own. That is where I come in. I will walk you through the steps, answer the questions that keep you up at night, and show you what is possible. Let’s take a look together. You may be closer to that dream home than you think.

Do you need flexible payments while you grow your business? More room for your kids to play? A fresh start after a big life change? That is where I start. Your story shapes the mortgage we choose together. It is never about squeezing you into a box. It is about finding a solution that fits the way you really live. Ready to start the conversation? Let’s sit down, talk about your life, and find the mortgage that makes sense for you. 780-777-6057

Long weekends are made for slowing down, enjoying time with family, and making space for a little fun. However you are spending this holiday Monday, I hope it is filled with good food, laughter, and plenty of relaxation. I will be back tomorrow, ready to help with all your mortgage questions. For today, let’s soak in the extra time off and enjoy the holiday. Happy Labour Day!

Thinking about buying a home this year? It might feel like a big dream, but the truth is your first steps can be smaller and easier than you think. And you can start this week. Here are three things you can do right now that bring you closer to holding those new house keys: 1️⃣ Check your credit. Gain a clear understanding of your current position and what lenders will see. 2️⃣ Get your documents together. Pay stubs, tax returns, proof of income. It may not be glamorous, but having them ready makes the pre-approval process a breeze. 3️⃣ Talk to a broker (hi, that’s me 👋). A quick conversation can show you what is possible this year, even if you feel unsure. Buying a home does not happen overnight, but the steps you take this week could be the difference between “maybe someday” and “we did it this year.” Ready to start? Send me a message. I will make the process simple, clear, and even a little fun.

When the right home hits the market, you want to be ready to act. Getting a pre-approval gives you a clear edge. It shows sellers you’re serious, helps you move quickly, and gives you a solid understanding of your budget from the start. If you’re starting to look or thinking about buying soon, let’s get you ready so you can move forward with confidence. Start your pre-approval by visiting the link in my bio!

It’s National Dog Day, and I couldn’t let the day go by without showing some love to my favourite furry assistant! Charlie is never far. From early mornings in the office replying to emails to quiet pauses between client calls, he has a way of bringing calm to even the busiest days. If you’re dreaming of a home that feels just right for both you and your pup, I’d love to help you find it.

Thinking about moving from Edmonton to St. Albert? Here’s what you might notice. The pace shifts. Things feel a little more relaxed, a little more community-focused. You’ll still find all the amenities you’re used to, but with more green space, local events, and a small-town feel that makes everyday life feel a bit more connected. Schools, parks, and family-friendly neighbourhoods are a big draw. Many clients tell me they love the quieter streets, the sense of safety, and how easy it is to get to know their neighbours. But there are also a few things to plan for. Property values, taxes, and insurance costs can look a little different between cities. Commute times may change, and lender expectations can shift depending on the type of home and the area in which you're buying. If you're thinking about making the move, I can help you look at how it fits your lifestyle, your goals, and your mortgage plan. We’ll walk through everything together so there are no surprises! www.karenpacheco.com

Being a mortgage broker is more than just a job for me. I love what I do, and even more than that, I love who I get to do it for. Helping people step into homeownership with confidence is something I’ll never take for granted. Every client brings a new story, and I’m so grateful to be part of that journey. I also get to work alongside an incredible team that cares just as deeply as I do. And being rooted in a community that supports one another makes it all even more meaningful. Thank you for letting me be a small part of something so big. 💛 Karen

If you’re asking that question, you’re not alone. Maybe you're a single parent, starting fresh after a divorce, or moving out on your own for the first time. Whatever your story looks like, homeownership is still within reach. The path might look a little different, but it starts with a plan. We’ll look at your income, debts, and savings, then explore the options that work for you. I’ll guide you through every step with clear advice and honest answers. You don’t need to have it all figured out. You just need someone who will meet you where you’re at and walk beside you. That’s what I’m here for. If owning a home is part of your next chapter, let’s talk about how to make it happen.

Thinking about getting pre-qualified for a mortgage? Here’s why I don’t recommend it. Pre-qualification is based on unverified information, which means it doesn’t give you a clear or reliable picture of what you can actually afford. It might feel like a quick first step, but it can lead to disappointment when it’s time to make an offer. Instead, I recommend a firm pre-approval. That means your documents are reviewed, your numbers are confirmed, and you can shop for a home with confidence knowing exactly where you stand. If you’re not sure where to start, I’m here to walk you through it all.

You don’t have to wait until you’re ready to buy. In fact, one of the best times to reach out is when you’re still figuring things out. We can talk through your goals, look at where you’re at, and build a plan that makes sense for your timeline. Whether you're a year away or just starting to think about it, I’m here to help you feel clear and confident every step of the way. Let’s start with a conversation! mortgages@karenpacheco.com

Renewal coming up? This might be the perfect time to take a closer look at your options. If you’ve built up some equity in your home, you could explore ways to refinance, restructure your mortgage, or even reduce your monthly payments. A small change could make a big difference in your day-to-day budget or future plans. Every situation is a little different, and that’s where I come in. Let’s take a look together and see what’s possible.

I’ve seen this more than once. A young family came to me thinking they needed 20 percent down to buy a home. They assumed they had to wait and keep renting until they could save more. Once we sat down and walked through their options, they learned about insured mortgages and discovered they could get approved with just 5 percent down. They’re now in a home that fits their family and their budget. If you’re unsure about what’s possible for your situation, let’s discuss. You might be closer to homeownership than you think.

Let’s find the right mortgage for you, not just the lowest rate. A low rate can sound appealing, but there’s more to consider. The right mortgage fits your life, your goals, and your plans for the future. That might mean more flexible terms, fewer penalties, or better options if things change down the road. I’ll help you look at the full picture so you can make a decision that feels good now and in the future. Ready to explore your options? Send me a message today!

One of the most expensive mistakes homeowners make is letting their mortgage auto-renew without taking a closer look. When your term ends, your lender will often send a renewal offer and hope you’ll sign without asking questions. But that offer might not be the best one available. This is your opportunity to reassess your goals, explore alternative lenders, and discover a more suitable rate or term that aligns with your current life. You worked hard for your home. Let’s make sure your mortgage is still working for you. Reach out if your renewal is coming up!

If your mortgage renewal is coming up, planning ahead gives you more control and better options. Here's your full renewal timeline: → 365 days before renewal Start thinking about your long-term goals. Would you like to pay off your mortgage sooner, lower your monthly payment, or access equity? Now is a great time to reflect on what matters most to you moving forward. → 180 days before renewal Take a look at your current finances. Review your income, any new debts, and your monthly budget to ensure you're on track. This will help us find the right solution for your next term. → 130 days before renewal Start gathering your documents. That includes recent pay stubs, your most recent Notice of Assessment, a current mortgage statement, and bank statements from the last few months. Getting these ready early makes everything easier later on. → 120 days before renewal Reach out to review your options. This is when we can start comparing lenders, locking in a rate, or adjusting your payment terms. → 90 days before renewal Narrow down your options. We’ll review what’s available and decide on the best rate and lender for your goals. → 60 days before renewal Finalize paperwork. Once your decision is made, I’ll help complete everything so you’re ready for a smooth renewal. → Renewal day Your new term begins, and you move forward with clarity and confidence. If your renewal is less than 130 days away, now is the perfect time to get started. I’ll help you through each step and make sure nothing gets missed. 780-777-6057

Renewal coming up? Let’s make sure your mortgage still works for you. When your term ends, it’s the perfect time to reassess—your best rate or terms might not be with your current lender anymore. That’s why it’s so important to explore your options instead of just signing the renewal. Whether you’re hoping to lower your rate, adjust your payments, or switch lenders, I’ll walk you through it all. Together, we’ll make sure your next term lines up with your current goals and future plans. Ready to review your renewal options? Let’s chat.

BREAKING! The Bank of Canada has held its policy rate steady at 2.75%. As expected, there’s been no change to the policy rate; it’s staying put at 2.75%. Lauren van den Berg, President and CEO of Mortgage Professionals Canada, weighed in on the decision: “The Bank of Canada had a tough call to make given all the economic uncertainty we’re seeing right now — from rising inflation to unpredictable U.S. trade moves. Tariffs, especially, are top of mind for Canadians, with many pointing to trade tensions as the biggest challenge to keeping prices stable. The recent threat of a broad 35% U.S. tariff only adds to the pressure. Rate relief will be crucial moving forward, especially as our latest housing market report shows the financial strain Canadians are facing — whether they're trying to buy a home or renew a mortgage.” The next Bank of Canada announcement is scheduled for Wednesday, September 17, 2025. What does this mean for you? If you have an adjustable-rate mortgage or a home equity line of credit, your payments won’t change for now. Variable-rate mortgage holders, your monthly payments stay the same (although what portion goes toward interest vs. principal may shift). Fixed mortgage rates have stayed relatively stable over the past few weeks. If you're unsure how this impacts your mortgage or want to chat through your options, feel free to reach out.

Until you’ve officially closed and the keys are in your hands, it’s best to press pause on big purchases or new credit applications. Even something as simple as financing new furniture can impact your debt-to-income ratio and risk your mortgage approval. I know it’s exciting, but let’s keep everything on track. Have questions about what’s safe to do before closing day? I’m just a message away. (780) 777-6057

Looking for a mortgage that actually fits you? With a fresh perspective and a personalized approach, I’ll help you find the mortgage solution that lines up with your life, your goals, and your next big move. Let’s take the guesswork out of the process and put a clear plan in place to get you home with confidence.

Let’s talk about where your down payment can come from. There are two main types: traditional and non-traditional. ✔️ Traditional down payments come from your own savings, RRSPs, a gift from an immediate family member, or the sale of a property. These are the most common and widely accepted by lenders. ✔️ Non-traditional down payments might include borrowed funds, personal loans, or credit cards. These can sometimes be used, but they come with extra rules and conditions, and not all lenders will accept them. If you’re unsure where your down payment fits or what’s allowed, I’m here to help you sort it out. We'll review your options and make sure your plan lines up with what lenders are looking for. Let’s make your homeownership path as smooth and informed as possible. karenpacheco.com

Thinking about buying a condo? Let’s chat about condo fees. Unlike single-family homes, condos come with monthly fees that cover shared expenses like maintenance, insurance, and amenities. These fees aren’t just a side note; they can impact how much mortgage you qualify for. Understanding how condo fees fit into your budget is key, and I’m here to help you make sense of it all. If you’ve got questions, I’ve got answers. Let’s walk through your options together.

Great news for Métis Citizens in Alberta. The Down Payment Assistance Program is reopening on August 5, 2025, and it’s an incredible opportunity for those who are working towards homeownership. This program offers a forgivable loan of up to 5 percent of the purchase price, to a maximum of $20,000. These funds can be applied directly toward your down payment, making homeownership more accessible. The last time this program was open was October 2024, and it filled up quickly. I’ve already had quite a few clients asking about it, so I expect this round to move fast too. To apply, you'll need a firm pre-approval and proof of it. That’s where I can help. If this program is a fit for you, let’s make sure everything is in place so you’re ready to go the moment applications open. Message me if you'd like to start preparing. 780-777-6057

Wondering how to boost your credit score? You're not alone, and the good news is there are a few easy ways to start: ✔ Always make at least the minimum payment on time ✔ Keep your credit card balances below 30% of your limit ✔ Avoid applying for too much new credit at once ✔ Don’t close old accounts unless you need to ✔ Check your credit report for any errors You don’t need a perfect score to explore your options. Small changes can add up quickly, and I’m happy to help you create a plan that works for you. Ready to get started? #stalberthomes #stalbertmortgage #t8n

What do you actually need to get a mortgage? That’s one of the first questions I hear, right after “how soon can we start?” Here’s the short version. Lenders want to see who you are, what you earn, what you owe, and what you’ve saved. That usually means: • A piece of photo ID • Proof of income (like recent pay stubs or a letter from your employer) • A couple of months of bank statements • Your most recent tax return or Notice of Assessment • Details about any loans or debts Every file is a little different, and I’ll tell you exactly what’s needed for yours. My goal is to keep things clear, calm, and easy to follow. If you're ready to take the first step, let's chat!

Stop stressing about mortgage rates! You don’t need to watch every headline or guess when to make a move. That’s my job. Because I work with lenders every single day, I know who’s offering the most competitive rates, which lenders are the best fit for certain buyers, and which options are worth jumping on. Some of the rates I can access aren’t even available to the public. They come through broker-only relationships, and I’m here to help you take advantage of them. You don’t have to settle. You don’t have to guess. And you definitely don’t have to do this alone. Let’s talk about your mortgage goals for you and your family!

Running your own business shouldn't make buying a home feel out of reach. If you're self-employed and wondering how the mortgage process works for you, you're not alone. The steps might look a little different, but that doesn’t mean it has to be harder. With the right guidance, you can absolutely move forward with confidence. I’ll help you make sense of the numbers, prep the paperwork, and find the lenders who understand self-employed income. Let’s talk about what’s possible for you. (780) 777-6057 #yegbusiness #stalbertbusiness #t8nbusiness

You’re not too late to learn. You’re right on time. Maybe the last time you bought a home, someone else handled the numbers. Maybe you didn’t get the full picture or didn’t feel comfortable asking questions. This time, it gets to be different. You get to ask everything. You get to understand each step. And I’ll explain it all in plain language so you feel confident, not confused. You’re not expected to know it all already. That’s what I’m here for. Reach out anytime! 780-777-6057

Debt doesn’t disqualify you. It simply provides a starting point. Whether it’s a car loan, student debt, or credit cards, having some debt is a normal part of life. What matters most is how we plan around it. When we sit down together, I’ll look at the full picture. We’ll figure out what’s possible, talk through your options, and take real steps toward your home goals. You don’t need to have it all figured out before reaching out. Let’s start the conversation when you’re ready.

Wishing you a Happy Canada Day filled with family, sunshine, and all the things that make home feel like home. I’m so grateful to live and work in a country where we get to help people plant roots, build dreams, and create spaces that feel safe and loved. Here’s to good neighbours, fresh starts, and a place to call your own! Happy Canada Day!

Not sure if your current bank is the right fit for your mortgage? You are definitely not the only one. You are not required to stay with the same bank just because it's familiar. As a mortgage broker, I work with a wide range of lenders to find the best match for your lifestyle, goals, and future plans. From flexible options to better rates, there may be choices out there that fit you more comfortably than what your bank is offering. You deserve to know what those options look like. Let’s sit down, talk it through, and find the right fit together!

Thinking about buying your first home in St. Albert? I work with a lot of first-time buyers and have seen what makes certain neighbourhoods a great fit. Akinsdale, Deer Ridge, and Heritage Lakes are well-loved for their family-friendly feel, walkability, and good value. I will leave the house tours to your realtor, but when it comes to your mortgage, I will help you understand what you can afford and how to make your offer stronger. If you're just starting to explore your options, getting pre-approved is the best first step. It helps you shop with clarity and confidence. Let’s chat about what would work best for you and get a plan in place that feels just right!

If your mortgage is up for renewal on or before October 23, 2025, now’s the perfect time to start planning. We’re in that ideal 120-day window, which means you can lock in a rate today and protect yourself from any potential increases that could come with the Bank of Canada's next announcement. One important detail to know: your funding date needs to match your renewal date. If it doesn’t, you could be hit with a penalty. But don’t worry, I’ll walk you through all of that. Let’s make this process clear, calm, and completely stress-free. I’ll help you get everything in place so you can move forward with confidence. Ready to look at your options? Let's connect!

If my own family were buying their first home, here is what I would tell them: Start early, even if you are not ready to buy just yet. The more time you give yourself to prepare, the more confident and calm the process will feel. Your down payment does not have to be perfect to get started. There are options available with a five percent down payment, and I can walk you through what is possible based on your specific situation. And when it comes to who you trust, work with people who take the time to understand you. You deserve support from someone who listens, answers your questions, and makes this feel personal. If buying your first home is something you are thinking about, let’s talk about where to begin. You do not have to do it alone 💛

Buying your first home comes with a lot of questions. And I’m here for all of them. Rachel came into the process feeling nervous (totally normal) but walked away feeling supported, informed, and confident every step of the way. She said: 🗨 “We never felt out of the loop.” 🗨 “Karen walked us through every step.” 🗨 “I’d trust her to guide me through anything.” That’s exactly what I want for you, too. No confusion. No second-guessing. Just a clear plan, honest answers, and someone in your corner who actually explains what’s happening and why. When you’re ready, I’ll be here to walk you through it all.

Go Oilers! 💙🧡 There is nothing like the energy of cheering on our team and seeing the city come alive with pride. Let’s keep the momentum going and show them we are behind them all the way! Let’s go, Oilers!

Happy Father’s Day to all the amazing dads, grandpas, and father figures who show up with strength, kindness, and heart every single day. Today is for backyard adventures, dad jokes, and being the steady presence your family can always count on. Wishing you a day filled with love, laughter, and a little time to relax. You deserve it!

You are not just buying walls and a roof. You are building a life. A place where bedtime stories are read, birthday candles are blown out, and Sunday mornings are spent in pajamas a little longer. Home is where your life happens, and that makes every part of this journey deeply personal. My job is to help make that journey feel clear, calm, and exciting. This is not just about paperwork. It is about creating a space where your family can grow, rest, and make memories for years to come. If you are dreaming about that next step, I would love to help you take it.

Thinking about a second property or vacation home? This could be the start of something really special for you and your family. A place to relax on weekends, gather with loved ones, or simply escape the day-to-day. Owning a second property can be both a personal retreat and a smart investment. Before getting started, it is important to look at the full picture. That means considering ongoing costs, such as maintenance, insurance, and taxes, and ensuring the location and type of property truly align with your lifestyle. Some clients even choose to rent out their second home when they are not using it, which helps cover expenses. If this idea has been on your mind, let’s talk through your options. We will make sure it lines up with your financial goals and feels right for where you are now and where you want to go next. Your second home might be closer than you think!

Some journeys to homeownership feel impossible at first, but I’m here to help you see what’s possible. Thank you, Christina, for this incredibly kind review. Helping first-time buyers feel heard, supported, and empowered is exactly why I do what I do. No question is too small, and no situation is too complex when you have someone on your side who truly cares. If you are feeling unsure about your next steps or think homeownership is out of reach, let’s talk. You might be closer than you think! #mortgageloanspecialist #mortgagearchitects

The Bank of Canada announced it is holding its overnight rate steady today at 2.75%. That means most lenders’ prime rates will remain at 4.95%. For those with variable-rate mortgages or home equity lines of credit (HELOCs), your rate is staying the same. → Bank of Canada’s Rate Change: No Change → Bank of Canada’s Overnight Rate: 2.75% → Most Lenders’ Prime Rate: 4.95% → Next Bank of Canada Announcement: July 30, 2025 While early 2025 showed slightly stronger growth than expected, signs of a slowdown are emerging. Housing activity has dipped, consumer confidence is down, and unemployment has edged up. Global trade tensions and persistent core inflation have also contributed to the Bank's decision to pause. Fixed mortgage rates have been fluctuating, with a nearly 30-basis-point increase in May due to sticky inflation and weak demand for bonds. If you're considering buying or renewing, now is a good time to secure a rate hold before further increases. If your mortgage is up for renewal in the next 6 to 18 months, starting to plan now can make a significant difference. We can review your current mortgage terms and penalties, assess whether extending your amortization could improve your cash flow, consider whether a Home Equity Line of Credit (HELOC) makes sense for added flexibility, and evaluate the impact of any life changes, such as a new car, move, or investment plans. Remember, the lowest rate isn't the only factor; the right mortgage strategy is key. For first-time homebuyers, there's good news. Starting May 27, 2025, the federal government is introducing a new GST rebate program. First-time buyers can receive a 100% rebate on the GST for new houses valued up to $1 million, potentially saving up to $50,000. For homes valued between $1 million and $1.5 million, the rebate phases out linearly. This initiative aims to make homeownership more accessible for Canadians. If you're planning to buy or renew, let's connect to discuss how these changes might benefit you. I'm here to help you navigate the process and find the best strategy for your situation.

When it comes to buying a home, sellers look at more than just the price. Factors such as financing, timing, and the emotional connection to a buyer can all influence their decision. If your offer has fewer conditions, a faster closing date, or comes with a solid pre-approval, it could stand out even if it is not the highest one on the table. Sellers want a deal that feels reliable and smooth, and that is where preparation makes all the difference! If you are thinking about buying and want to feel confident when the right home shows up, let’s talk. I will help you get everything in place so your offer checks all the right boxes! 780-777-6057

Budgeting is one of the most powerful tools you can use on your path to homeownership, and it does not have to feel restrictive or overwhelming! When we work together, I take the time to understand what your everyday life looks like, what matters most to you, and how your budget can support both your short-term comfort and long-term goals. It is not about cutting back on everything. It is about creating a plan that makes space for the life you want while building toward the home you have been dreaming about. If you are ready to look at your numbers and make a plan that actually fits, I am here to help you every step of the way. Send me a message to get started!

Having a lawyer by your side during the home buying process is not just helpful, it is essential. Your lawyer makes sure every part of your purchase is legally sound. They review your purchase agreement, explain the documents you are signing, and confirm the seller has the legal right to sell the property. They also check for title issues, unpaid taxes, or anything else that could cause problems down the line. When closing day comes, your lawyer handles the transfer of funds, ensures everything is registered properly, and provides a final breakdown of your costs. They are there to make sure nothing gets missed, so you can get your keys with total peace of mind. Buying a home is a big step. I am here to guide you through it and connect you with professionals you can trust to make the process feel clear and supported from beginning to end! #yeghomes #stalberthomes

You are in a home you love right now, but you know your family will outgrow it soon. If that next chapter is starting to cross your mind, it is never too soon to start planning. Meeting with a mortgage broker early gives you time to understand your options, improve your financial position, and feel fully prepared when you are ready to make a move. If you are thinking about buying someday, let’s start planning today. Send me a message and let’s get you ready, step by step!

Wishing you a happy and restful May long weekend! I hope you get a chance to slow down, spend time with people you love, and enjoy a little fresh air this holiday Monday! These weekends always feel like the unofficial start of summer, and I am soaking up every bit of it with my family. Enjoy! 💛

The lender you choose plays a bigger role in your mortgage than many people realize. It is easy to focus only on the interest rate, but there are other important factors that can affect your experience and your long-term costs. I look at things like: ✔ Prepayment privileges (can you pay it off faster?) ✔ Penalty structures (what happens if you break the mortgage early?) ✔ Flexibility in repayment and term options ✔ Lender responsiveness and service quality Some lenders work better for clients who are self-employed, while others have great options for first-time buyers or those needing more flexible solutions. When I help you choose a lender, I am looking at your full financial picture, your goals, and your future plans. If you are not sure what kind of lender is best for you, let’s talk. I will help you make a choice that supports you every step of the way. #stalbert #yeg #yeghomes

Mother’s Day is one of my favourite days to slow down and soak in the joy of being a mom. My family means everything to me. They are the reason I show up with heart in everything I do. From late-night cuddles to busy mornings and all the little in-between moments, being a mom has taught me so much about patience, love, and what home truly means. To all the moms, stepmoms, grandmas, and mother figures out there, I hope you feel celebrated, appreciated, and surrounded by love today. Happy Mother’s Day from my heart to yours 💛

There is no one-size-fits-all when it comes to something as personal as your home and your finances. That is why I do things differently. I take the time to truly understand what you need, where you are coming from, and where you are hoping to go. Every part of your journey matters. Your goals, your budget, your comfort level, and your timing all deserve thoughtful attention. I am here to make sure your mortgage supports your life in a way that feels right. If you are looking for a mortgage experience that feels personal and welcoming, I am here to help. Let’s create something that fits you perfectly, one step at a time. 780-777-6057

Before you jump into house hunting, take a moment to ask yourself a few important questions: 1. Do I know my monthly comfort zone? Knowing what feels right financially each month will help you shop smart and stay confident. 2. What tradeoffs am I not willing to make? Think about what really matters. Is it location, space, or future plans? Keeping your priorities clear makes decisions easier. 3. Who is advising me, and do they understand what matters most to me? Having the right people in your corner can make all the difference. You deserve support from someone who listens and helps you make choices that fit your life. If you are thinking about next steps, I would love to help you create a plan that’s personalized, thoughtful, and entirely your own. #stalberthomes #stalbertmortgagebroker

One of my favourite parts of living here? The sunsets! St. Albert is growing, and it is such an exciting time to be part of this incredible community. With more homes hitting the market and new families settling in, it is clear why so many people want to call St. Albert home. If you are thinking about buying, now is the time to start planning. Getting pre-approved early gives you a head start, so you are ready to act when the right home shows up. Ready to get started? Send me a message and let’s make a plan that gets you into the St. Albert market with confidence

It's game day! It’s been an intense series so far. Will you be watching tonight? Go Oilers! 💙🧡

Is your mortgage renewal coming up? Here is your reminder that this is more than just a routine step; it's a real opportunity to make sure your mortgage still fits your life. You're not locked in with your current lender. Starting 120 days out (plus 10 days to gather paperwork) gives us plenty of time to explore better rates, more flexible terms, and options that match your current goals. A lot can change in a few years. Maybe your income looks different, you have new plans, or you are ready for a fresh start. Whatever the reason, your mortgage should reflect where you are now. Not sure where to start? That's what I am here for. Let’s take a fresh look at your renewal and make sure you are getting the most out of it. 📞 780-777-6057

Self-employed and thinking about buying a home? You're not alone! And yes, the process looks a little different. Lenders usually ask for a few extra documents to confirm your income, like business financials, Notice of Assessments, tax returns, or business bank statements. It might sound like a lot, but I promise it is doable with the right support. If you are self-employed and feeling unsure about where to start, I'm here to help make it all feel less overwhelming and a lot more manageable. Let’s make a plan that works for you and your business! 📞 780-777-6057

Let’s talk about something important: if you have a variable-rate mortgage, your trigger rate. This is the point where your regular payment no longer covers the interest on your mortgage. When that happens, your lender might increase your payment or ask for a lump sum to make up the difference. If you are not sure where you stand or want help understanding what this could mean for you, let’s talk it through. I'm here to help you stay ahead and feel confident about your mortgage plan.

If you are getting ready to chat with a mortgage broker, having the right questions in your back pocket can make the whole process feel a lot clearer. Here are a few good ones to ask: 👉 What type of mortgage is the best fit for my situation? Fixed or variable? Short or long term? Your broker should walk you through the pros and cons based on your goals and lifestyle. 👉 Can you explain the full cost of my mortgage beyond the interest rate? It is not just about the rate. Ask about penalties, prepayment options, and any fees so there are no surprises later. 👉 How much can I really afford, and what will my monthly payment look like? Go beyond the calculator. A good broker will help you understand your full financial picture, including property taxes and insurance. 👉 What documents will I need to get pre-approved or apply? Getting organized early makes the process smoother. Your broker should provide a clear checklist based on your situation. 👉 What happens if my situation changes after I’m approved? Life happens. Ask what your options would be if you switch jobs, start a family, or want to refinance down the road. The mortgage process can feel like a lot, but asking the right questions gives you the power to make confident decisions. If you ever want to talk through these or anything else on your mind, I’m just a message away!

Happy Easter long weekend! 🌷 I hope you find a little time to slow down, soak up some sunshine, and enjoy the people and moments that make you feel at home. This weekend always feels like a fresh start, and I am so grateful for the chance to pause and appreciate the season. Wishing you peace, warmth, and maybe a few chocolate eggs too. Happy Easter from my home to yours! Karen Pacheco - Mortgage Architects #mortgageloanspecialist #mortgagearchitects

Working with a mortgage broker means your experience is built around you! Your story, your goals, your timeline: all of it matters, and your mortgage should reflect that. When we work together, I take the time to understand what is most important to you so we can create a plan that fits your life. From exploring lenders that align with your needs to breaking down every step in a way that actually makes sense, I am here to guide you with care, clarity, and a little bit of fun, too. Let’s make your mortgage experience feel personal, empowering, and a whole lot easier. 780-777-6057 Karen Pacheco - Mortgage Architects #mortgageloanspecialist #mortgagearchitects

This morning, the Bank of Canada announced it is holding rates steady, keeping the overnight rate at 2.75%. After a series of cuts over the past year, the Bank is taking a cautious approach as it watches how the economy responds and waits for more clarity around tariffs and inflation. Here is what we know right now: ✔ The overnight rate remains at 2.75% ✔ Most lenders’ prime rate stays at 4.95% ✔ The next announcement is scheduled for June 4, 2025 Inflation is softening, but not quite where the Bank wants it. Job losses in March and a slower spring housing market are also signals that things are shifting. Lenders are staying cautious, but many are still competing for your attention. What should you do now? ✔ If you are buying, renewing, or refinancing soon, a rate hold is a smart move. It is free and protects you if rates rise again soon. ✔ If you are in a variable-rate mortgage, there may be more savings ahead. Just be sure it still fits your plan and goals. Mortgage strategy should never be one-size-fits-all. If you want to talk through your options or secure a rate hold, I am here to help you make a clear and confident decision! 780-777-6057

Some parts of the home-buying process seem simple enough to tackle on your own, but there are a few key steps where having expert support makes all the difference. Here are a few things clients often think they can do themselves (but really shouldn’t): ✅ Going over legal documents without a lawyer These documents are full of important details. A lawyer will help you understand what you’re signing and make sure everything is in your best interest. ✅ Choosing a lender based only on the interest rate There’s so much more to a mortgage than just the rate. Prepayment privileges, penalties, and terms all play a part in finding the right fit. ✅ Guessing how much you can afford Online calculators are helpful, but they can’t give you a full picture. Getting pre-approved with a broker ensures you’re shopping with confidence. You deserve a smooth, informed, and supported experience. I’m here to walk you through it all and connect you with the right professionals along the way. Karen Pacheco - Mortgage Architects #mortgageloanspecialist #mortgagearchitects

Keep your mortgage on track with the best terms! When your mortgage term ends, you are not locked into staying with the same lender. This is your chance to explore your options and make sure your mortgage still supports your financial goals. Renewing your mortgage gives you the opportunity to look at new rates, adjust your payment terms, or even switch lenders. It is important to compare what is available in the market before signing a renewal offer. I can help you review your current mortgage, understand what has changed since your last term, and find a solution that fits your next chapter. Let’s make sure your renewal works for you now and in the future. Karen Pacheco - Mortgage Architects #mortgageloanspecialist #mortgagearchitects

Thinking about buying your next home before your current one sells? It might feel a bit overwhelming at first, but with the right plan, it is totally doable. A bridge loan lets you tap into the equity from your current home so you can move ahead with your new purchase without having to wait for your sale to close. It is a great way to take the stress out of timing and give yourself some breathing room. If this sounds like something you want to explore, let’s talk it through. I will walk you through how it works and help you decide if it is the right fit for your move. Karen Pacheco - Mortgage Architects #mortgageloanspecialist #mortgagearchitects #bridgeloan

Your credit score is a key part of your financial profile, especially when it comes to things like securing a mortgage or loan. It’s a number that tells lenders how likely you are to repay debt based on your credit history, and it’s determined by several factors: 💰 Payment history: Making payments on time is essential. 💰 Credit utilization: Keeping balances low compared to credit limits is best. 💰 Credit history length: Longer credit histories are favourable. 💰 Types of credit: A healthy mix of credit (like cards and loans) can help. 💰 New credit inquiries: Multiple inquiries in a short time may lower your score. A higher credit score opens doors to benefits like lower interest rates, better loan terms, and higher credit limits. On the other hand, a lower score can make it tougher to get approved for credit, and if approved, you might face higher interest rates. Building and maintaining a good credit score can make a big difference in reaching your financial goals! If you have questions about where to start or what to focus on, let's chat! #stalbertmortgages #yegmortgages #stalbertrealestate

Your mortgage renewal is the perfect time to make sure you are getting the best possible terms. Just because your term is ending does not mean you need to stick with your current lender. This is your opportunity to: - Secure a better rate - Adjust your payment terms - Explore different lenders for better options Renewing your mortgage is an important step in your financial journey, and I am here to help you make the most of it. Let’s chat and review your options so you can move forward with confidence! 780-777-6057 https://www.karenpacheco.com/ #t8n #t8nliving

A great mortgage broker makes all the difference, and I am so grateful for kind words like these! Complicated financing situations can be stressful, but finding the right solutions should not be. I take the time to explore every option, explain the details clearly, and make sure you feel confident throughout the process. Thank you, Aly, for trusting me to help with your new build. #stalbertmortgage #yegmortgage

Big news! A new mortgage rule just dropped; chores now count as down payments! So, if you have been folding laundry, washing dishes, and mowing the lawn, you might already be approved! Okay, maybe not... Happy April Fools’ Day! But while this one is just for fun, real mortgage rules do change. If you have questions about what is actually required for a down payment, let’s chat! 😆

Being self-employed comes with flexibility, but it can also make getting a mortgage feel a little more complicated. Lenders want to see proof of consistent income, which means you may need to provide additional documents like: ✅ Business financials ✅ Notice of Assessments (NOAs) ✅ Tax Returns (T1 Generals) ✅ Business bank statements Every self-employed situation is unique, and I am here to help you navigate the process with confidence. If you are self-employed and thinking about buying, let’s make a plan to get you into the home you love! 780-777-6057 #yegbusiness #stalbertbusiness #yegbusinessowner

Thinking about refinancing your mortgage? It is not a one-size-fits-all decision, and the right move depends on your financial goals. Here is what to consider: -Interest Rates: If rates have dropped since you got your mortgage, refinancing could lower your monthly payments and save you money over time. -Your Mortgage Term: Refinancing could allow you to shorten your term, helping you pay off your home faster and reduce interest costs. -The Costs: Refinancing comes with fees like closing costs and appraisals, so it is important to weigh the upfront costs against potential savings. Every situation is different, and the best choice is the one that fits your needs. Let’s chat and go over your options to see if refinancing makes sense for you! #refinancing #stalberthomes #stalbertfamilies

A fresh perspective on mortgages means more than just finding a great rate. It is about creating a plan that fits your life, your goals, and your future. Whether you are buying your first home, upgrading, or refinancing, I am here to guide you through the process with clarity and confidence. Let’s find the right mortgage solution for you and make homeownership a reality. Reach out today, and let’s get started! 780-777-6057 .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist

A down payment does not always have to come from a traditional savings account. There are non-traditional options that can help you get into a home, but they come with important considerations. ✅ Personal Loans & Lines of Credit – Some lenders allow this, but since down payments show financial stability, using borrowed funds can make approval more challenging. ✅ Repayable Family Loans – Unlike a gifted down payment, a family loan must have clear terms and repayment agreements to avoid complications. ✅ Homebuyer Assistance Programs – Many local programs offer financial support or better terms for first-time buyers. These can be a great resource if you qualify. Since not all lenders accept non-traditional down payments, it is important to understand your options before moving forward. If you want to explore what is possible for your home purchase, let’s chat! .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist

Spring is finally here, and so is the energy that comes with a fresh season! Longer days, warmer weather, and a busy real estate market make this the perfect time to start planning your next move. With the spring market picking up, more homes are hitting the market, and buyers are getting ready to make their move. If you are thinking about buying, renewing, or refinancing, now is the time to explore your options. Let’s chat and make sure you are ready for the season ahead! 780-777-6057 .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist #firstdayofpsring

Happy St. Patrick’s Day! Today is all about luck, laughter, and celebrating with the people who make life special. However you choose to enjoy the day, I hope it is filled with joy and a little extra good fortune. Wishing you happiness, success, and all the luck of the Irish today and always! .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist #stpatricksday

Mortgages can feel like a lot, and if you are overwhelmed, I get it. There is so much information out there, and trying to figure it all out on your own is exhausting. That’s why I am here to help guide you through getting your mortgage. I help my clients understand their options in a way that actually makes sense. No confusing jargon, no pressure, just clear advice so you feel confident every step of the way. Reach out anytime, I am here to help! .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist

Co-signing a mortgage is a big decision that goes beyond just adding your signature to a loan. It means taking on full financial responsibility alongside the primary borrower, and that comes with long-term implications for your credit and future borrowing power. Here are a few things to consider before co-signing: ✅ The mortgage will show on your credit report, impacting your ability to borrow in the future. ✅ You will need to provide income documents, tax returns, and property details just like the primary borrower. ✅ If the borrower misses payments, your credit could take a hit, and you may be responsible for covering the mortgage. ✅ Getting removed from the mortgage later is not automatic. The borrower must qualify on their own before your name can come off. There are ways to protect yourself, including requesting mortgage statements, setting up safeguards, and ensuring life insurance is in place. Co-signing can be a great way to help someone achieve homeownership, but it is important to fully understand the commitment. If you are considering it and want to explore your options, let’s chat. I am here to help you make the best decision for your future! .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist #mortgagecosign

The Bank of Canada has lowered its key interest rate again, bringing it down to 2.75% from 3.00%. This means most lenders have also dropped their prime rates, now sitting just below 5% for the first time since August 2022! An overview: → Bank of Canada’s Rate Change: -25bps (-0.25%) → Bank of Canada’s Overnight Rate: 2.75% → Most Lenders’ Prime Rate: 4.95% → Next Bank of Canada Announcement: April 16, 2025 If you have a variable or adjustable-rate mortgage or a home equity line of credit (HELOC), you will see a decrease in the interest you’re paying. Where rates are heading: → Fixed Rates: Slowly Dropping, But Not Immediately Even though bond yields (which influence fixed mortgage rates) have been on a downward trajectory overall, banks are reacting with slower and slighter changes to the fixed rates they offer. For homeowners who value stability, a fixed-rate mortgage is still a good option. Shorter-term fixed rates (like a 3-year term) are slightly lower than five-year terms, allowing flexibility to refinance sooner. → Variable Rates: Gaining Popularity Again With interest rates trending down, more homeowners are choosing variable rates—nearly 25% of new mortgages now, compared to just 10% earlier this year. If the BoC continues its downward trend, variable rates could prove to be a winning strategy. With trade uncertainty threatening inflation and tariff policy whiplash, there is always a degree of risk to going variable. → Trade War The biggest unknown remains the U.S.-Canada trade standoff. If tariffs escalate: -Prices on imported goods will rise, pushing up inflation. -Canadian companies that rely on export business to the US will see revenues drop, leading to job losses. -The Canadian dollar could weaken, making everyday goods more expensive and increasing inflation. With uncertainty surrounding trade policies and inflation, staying informed and having a solid mortgage strategy is more important than ever. If you are considering buying, renewing, or refinancing, now is the time to explore your options. Let’s chat about how these changes impact you and find the best mortgage solution for your goals!

Not all debt is created equal! Understanding the difference between good debt and bad debt can help you make smarter financial decisions and set yourself up for success. ✔ Good debt is an investment in your future. Mortgages, student loans, and business loans are examples of debt that can build equity, increase earning potential, or grow your wealth over time. ✖ Bad debt does not provide long-term value and can make it harder to reach your financial goals. High-interest credit cards, payday loans, and unnecessary financing can lead to financial strain instead of financial growth. Managing debt wisely is key to financial stability. If you are looking to improve your borrowing strategy or prepare for a mortgage, let’s chat. I am here to help you understand your options! .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist #gooddebt #baddebt

Today is International Women’s Day, a day to celebrate strength, resilience, and the incredible impact women have in our communities, businesses, and beyond. I am so grateful for the amazing women I get to work with every day. My team, my clients, and the inspiring people in my community who continue to lift each other up. Supporting one another, breaking barriers, and creating opportunities is what makes this day so powerful. Here is to the women who dream big, work hard, and make things happen. Today and every day, I celebrate you! .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist #internationalwomensday

You are ready to buy, and I am ready to help! Finding the right home is exciting, and your mortgage experience should feel just as smooth. First home? Investment property? Upsizing or downsizing? No matter what your next move looks like, I will walk you through the process so you feel confident every step of the way. Let’s work together to make this experience simple and stress-free. Reach out, and let’s get started! .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist

When it comes to mortgages, having options is everything. The right lender can open doors and help you move forward with confidence. So, what are the different types of lenders in Canada? Let’s break it down! - A Lenders – Think of these as the VIP section. If you have a strong credit score and steady income, banks, credit unions, and monoline lenders will roll out the red carpet for you. - B Lenders – Need a second mortgage but can’t refinance? Alternative lenders could be your best bet. They require a 20% down payment and a broker fee of 1-2%, but they follow similar rules as traditional lenders. - Private Lenders – When the usual paths don’t work, private lenders step in. These could be individuals, businesses, or investment groups offering flexible solutions when credit scores or finances are a little outside the box. Not sure which option is right for you? That is where I come in! Let’s chat and find the best path to get you into the home you love. .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist #lendertypes

Building wealth through real estate starts with the right investment property. Whether you are looking to generate rental income, build long-term equity, or diversify your portfolio, choosing the right mortgage is key to maximizing your returns. Investment properties come with unique financing requirements, and that is where I come in. I will guide you through the process, explore your options, and help you secure a mortgage that fits your financial strategy. Ready to take the next step in real estate investing? Let’s chat and find the right plan for you! 780-777-6057 .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist

Today is Pink Shirt Day, a reminder that kindness, respect, and inclusion matter every single day. 💕 Bullying has no place in our schools, workplaces, or communities. Standing up, speaking out, and showing support can make all the difference. This cause is close to my heart, and I am proud to support it year after year. Let’s lift each other up, choose kindness, and create a world where everyone feels safe and valued. Are you wearing pink today? .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist #pinkshirtday

I love this time of year when hockey is in full swing! There is nothing better than the energy of a good Oilers game and the excitement of watching them go for the win. Much like in hockey, timing and strategy are everything when it comes to your mortgage. If you are thinking about buying, renewing, or refinancing, let’s create a game plan that puts you in the best position. Let’s chat! .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist #edmontonoilers

Thinking about buying before selling? A bridge loan could be exactly what you need. This short-term financing helps cover the gap between purchasing a new home and selling your current one, giving you more flexibility and less stress. Instead of feeling rushed to line up closing dates, you can move on your terms. If you are making a move and want to explore your options, let’s talk. I will walk you through everything you need to know! .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist #bridgeloan

I Don’t Just Find a Rate, I Find YOUR Rate! Getting a mortgage is not just about the lowest rate, it is about finding the right fit for you. Your mortgage should match your life, your goals, and your future plans. That is why I take the time to look beyond just the numbers and find the best overall solution. The one that works for you now and still makes sense years from now. Let’s go beyond the basics and build a mortgage strategy that truly fits. Reach out, and let’s get started! .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist

If your mortgage is up for renewal this spring or summer, now is the time to get ahead of it. Rates have been shifting, and waiting until the last minute could mean missing out on the best deal for you and your family. Let’s take a look at your options and make a plan that fits your goals. Whether you are staying with your current lender or exploring something new, I will help you lock in the best strategy for you. .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist #mortgagerenewal

Love is in the air, and so is the excitement of finding the perfect home! Whether you are falling in love with your first home, upgrading to something new, or refinancing to make room for your next big adventure, I am here to help make the process smooth and stress-free. Ready to take the next step? Let’s chat! .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist #valentinesday

Did you know you can include renovations in your mortgage? The Purchase Plus Improvements program allows you to add the cost of renovations to your mortgage, making it easier to turn your new home into your dream space. Here is how it works: 🛠 You will need upfront quotes for the renovations you want to include. 💰 Your down payment will be based on the improved value of the home after renovations. 🏡 Only certain types of renovations can be included, so it is important to know what qualifies. If you are thinking about buying a home that needs a little work, this program could be the perfect solution for you. Reach out, and let’s talk about how this can work for your next home!⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist #purchaseplusimprovements #homereno

If we haven’t met yet, I’m Karen Pacheco, your go-to mortgage broker who’s all about making the home-buying process feel less like a chore and more like an exciting step toward your future. Based in St. Albert, I work with clients across Alberta and Canada, bringing over 9 years of experience and a fresh perspective to every mortgage journey. From helping first-time buyers find their dream home to securing the perfect refinance or renewal, I specialize in creating mortgage solutions that truly fit your lifestyle. My goal is to make the process simple, clear, and as stress-free as possible. Let’s chat and turn your homeownership goals into reality. Call or text me at 780-777-6057 or email mortgages@karenpacheco.com. I can’t wait to hear from you!.⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist

Thank You for Your Support! I am beyond grateful for my clients, family, and friends who continue to trust and support me. This year, I was honoured to receive the Ambassador Award for being part of a team that surpassed $1 billion in funded volume, as well as the President’s Club Award for being in the top 7% personally. These achievements are not just about numbers, they are about the people I have had the privilege of working with and the relationships built along the way. Thank you for being part of this journey. Your support means everything! .⠀ .⠀ .⠀ .⠀ .⠀ Karen Pacheco - Mortgage Architects #karenpacheco #mortgageloanspecialist #investmentproperty #yegrealestatemarket #yegrealestate #stalbert #yegfamily #yegmortgage #mortgagearchitects #edmontonrealestate #stalbertrealestate #yegfinance #stalbertfamily #mortgagebroker #yegmortgagespecialist #ambassadoraward2024