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Title Insurance 101 : What homeowners need to know

Title Insurance 101 : What homebuyers need to know and why you... read more →
  • June 29, 2020
  • Julie Jeffery

CMHC Guideline Changes

Everything you need to know and our thoughts regarding these changes: CMHC is not the only Canadian mortgage insurer. We... read more →
  • June 5, 2020
  • Julie Jeffery
Clock

Thinking about saving? Our top five tips to get started.

If you live... read more →
  • January 15, 2020
  • Julie Jeffery
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Giving Back

We recently announced that our mortgage team will be supporting four... read more →
  • September 3, 2019
  • Julie Jeffery

Interim Financing – Make the process of selling a home and buying a home stress free

An interim or bridge financing loan is a temporary financing option... read more →
  • May 7, 2019
  • Julie Jeffery

Divorcing – What are the mortgage options?

When we... read more →
  • March 6, 2019
  • Julie Jeffery

The Interest Rate Game

Mortgage interest... read more →
  • January 14, 2019
  • Julie Jeffery

Time to Buy a Home – Your Next Steps

Thanks for signing up for or attending our How to Buy... read more →
  • November 15, 2018
  • Julie Jeffery

Your credit – the factors and impacts on credit scores

Credit scores are intended to help financial risk managers and others make... read more →
  • September 19, 2018
  • Julie Jeffery
Elevation-Mortgage-Calgary

Ready to become a home owner?

Ready to become a home owner but not sure what the steps... read more →
  • September 17, 2018
  • Julie Jeffery

The top five things that decrease your credit score.

Regardless of the financial milestones you’re reaching, when it comes to financial... read more →
  • June 27, 2018
  • Julie Jeffery

Understanding your credit bureau

A credit bureau (sometimes referred to as a consumer... read more →
  • June 4, 2018
  • Julie Jeffery

Documents – what you need and why during the mortgage approval process

Once... read more →
  • May 14, 2018
  • Julie Jeffery

Renewing your mortgage – three reasons to talk to us first

Reason number... read more →
  • May 8, 2018
  • Julie Jeffery

Purchasing a home – why you need a real estate lawyer

What to expect from your real estate... read more →
  • May 1, 2018
  • Oliver

The great debate… fixed or variable interest rates?

Whether you are a nervous first... read more →
  • April 23, 2018
  • Julie Jeffery

Frequently asked mortgage questions

Our clients ask great questions! Here are some common... read more →
  • April 16, 2018
  • Julie Jeffery
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Exciting news! Our new website has launched!

Information moves so quickly. We want to... read more →
  • April 13, 2018
  • Julie Jeffery

Turning Your Home into a Rental Property

Thanks to Rentfaster.ca for the opportunity to write a guest blog. You purchased your first home a few years ago. Maybe you... read more →
  • April 7, 2018
  • Julie Jeffery

Ten reasons to work with a mortgage broker

  We shop... read more →
  • April 7, 2018
  • Julie Jeffery
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DLC ELEVATION MORTGAGE

julie@elevationmortgage.ca
Julie: 403.828.4832

andy@elevationmortgage.ca
Andy: 403.828.8832

elevationmortgageyyc

DLC Elevation Mortgage
Lending is deeply personal. Every single day we ar Lending is deeply personal. Every single day we are in the position of asking very intimate questions - about relationship status, savings, debt, employment, future plans, goals, insurance coverage... and on and on. We help our clients plan ahead for the very best in life - paying their mortgage down, stocking up on savings, getting married, renovating, spending on travel, investing, having children, and for the very worst in life - a death or disability in their family, a job loss, relationship breakups, and unexpected life event that causes financial strain and issues.⁠ ⁠ We take great care in how we ask these questions. We do our absolute best to make sure every client feels truly respected and valued. ⁠ ⁠ We know from hearing so many stories about banking, investment, and lending that this isn't always the experience. And we are deeply grateful that we have the chance to show our clients that we know without a doubt that love is love is love is love. ⁠❤️❤️❤️ ⁠ 🏳️‍🌈 #pridemonth #loveislove #respectandcare #pride🌈
⁠Trying to save for a downpayment on your first ⁠Trying to save for a downpayment on your first home? Pinch your pennies on the little things in life and the watch the savings account grow. Build a personal budget and follow it. A budget is telling your money where to go instead of wondering where it went! 🙌🏻🤓 Review all costs monthly. These habits will help you in the future when you need to manage your mortgage payment, property tax payment and utility bills 💰 #yyc #yycfamily #yyclife #yycbudget #yycfinances #yycfamilybudget #yycliving #yycnow #budget #getstarted
Hope your Sunday is as chill as this one! 😴 #s Hope your Sunday is as chill as this one! 😴 #sundayvibes #sundaymornings #sundaystyle 📸 by @latermedia
Friday fun for us often involves two things.... fa Friday fun for us often involves two things.... family 🚶🏽‍♀️⛹🏼 and friends 🥳.... and well let's be totally honest 🍷... ⁠ ⁠ My mini and I had so much fun at this photo shoot... those were the days... when she would 👯 with me. She loves this sign (mortgage mini) and mine (mortgage mom). ⁠ ⁠ A friend recently mentioned how much their love our IG feed and I have to say it made my day. 😍 Their comment was that we are always mixing business, fun, friends and family. Life is too short to be too serious. We agree - it's been 💯 our goal since day once - six years ago when we opened @elevationmortgageyyc! ⁠ ⁠ We are truly a small business, a family business, a hyper local business (yes, we are raving fans of our neighbourhood #mardaloop and of #yyc and #alberta). ⁠ ⁠ With all the work at home time, combined with trying our best to help two teens get through junior high we have been a bit busy. And our kids have been absolute rock stars throughout... ⁠ ⁠ So here's to family and friends and we are hoping you are all slowly getting a bit more friend time as things open up! ⁠ ⁠ Our incredibly talented, warm, friendly and all around savvy businesswoman @simplymodernmarketing took this photo and she is the reason we look great and so relaxed... if you need a photo shoot for social media 📸 connect with Kolby! ⁠ ⁠ #yyc #yyclocal #yycsmallbusiness #yycsupportlocal #yycfamilybusiness #familyandfriends #thanksforthesupport #wearegrateful #mymini #mortgagemom #mortgagemini #twinningwithmyteen #momsdream #thankskid
Our most common question this week? Can you help m Our most common question this week? Can you help me finance a renovation? 🔨🏘️⁠ ⁠ Yes we can 💃🕺🏽⁠ ⁠ Here are a few of the options: ⁠ ⁠ 1️⃣ A purchase plus improvements mortgage can be completed with as little as 5% down payment. ⚡Renovations of up to $40,000 or to a maximum of 10% of the home value are completed. An appraiser confirms the renovation is complete as per the plans and the original quotes for the work and the lender advances the funds to pay for the renovation adding that amount onto your mortgage. ⁠ ⁠ 2️⃣ A refinance on a home you currently own is also common. Many have equity in their homes. In order to access the equity and complete a refinance you must owe less than 80% of the value of the home. Quick math - the home is valued at $500,000. The current mortgage is $350,000. The max mortgage can be up to 80% of $500,000 so the maximum mortgage would be $400,000. That means 💸 there is $50,000 available for a refinance... Even better interest rates have only been decreasing the last years... So what if you could complete that renovation you want and obtain a lower interest rate on the entire mortgage? Yes! Sounds good right? 🔉⁠ ⁠ 3️⃣ And the third option is a little more involved... building your dream from the ground up 💫 is possible too. That would be a construction draw mortgage and we handle those too! ATB has one of the best construction mortgage programs in the province... and they are a great lender... ⁠ ⁠ So let's get started. And once you have your plan in place give our friends @evolvecontractingyyc a call. They designed and built this beautiful home from the plans, to the build, to the interior design.... those windows, natural light and that airy and modern feel. Link in the bio to connect with @evolvecontractingyyc ⁠ ⁠ ⁠ #yyc #yycrealestate #yycre #yychomes #yychomebuyer #yychomesales #yycrealtor #yychomebuyer #yycliving #mortgage #yycmortgage #yycmortgages #yycmortagebroker #elevationmortgage ⁠ ⁠ #yycrenovation #yycnewhomebuild #yycdesign #yyccontractor #purchaseplusimprovements #refinance #loweryourinterestcost #reduceyourmortgagepayment #andgetadreamkitchen #nowwearetalking
💰 With the federal government’s Home Buyers’ Plan, you can use up to $35,000 of your RRSP saving, or $70,000 for a couple to help finance your down payment on a home.⁠ ⁠ To qualify, you must provide a signed agreement to buy or build a home and show the RRSP funds you’re using for the purchase have been in your account for at least 90-days prior to the withdrawal date. ⁠ ⁠ The best part is the withdrawal is not taxable as long as you repay it within a 15-year period. The payback amount is at least one-fifteenth a year of the amount you withdrew from your RRSP.⁠ ⁠ You need to qualify as a ‘first-time’ home buyer and you may not know that it’s actually possible to qualify as a first-time home buyer more than once in your life! As long as neither you nor your partner owned a home that was your principal residence over the last four calendar years before you plan to use the Home Buyers Plan, you will be eligible. 👌🏼⁠ ⁠ Take a peek at the link in the bio 🙂 and our best tips on savings for your down payment! ⁠ ⁠ ⁠ #yyc #yycfamily #yyclife #yycbudget #yycfinances #yycfamilybudget #yycliving #yycnow #budget #getstarted #yycrealestate #yycre #yychomes #yychomebuyer #yychomesales #yycrealtor #yychomebuyer #yycliving #mortgage #yycmortgage #yycmortgages #yycmortagebroker #elevationmortgage ⁠
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