top of page
Mortgage Education Centre
Expert insights, practical guides, and local Alberta mortgage advice to help you make confident financial decisions.
Recently Added
Getting a Mortgage
Unlock Tailored Mortgage Solutions with Tina Kha Mortgages
Navigating the Mortgage Landscape: Unlocking Opportunities with Expert Help Navigating the mortgage landscape can be overwhelming. Whether you are a first-time homebuyer or looking to refinance , finding the right mortgage solution tailored to your unique financial situation is crucial. Expert mortgage help can make all the difference in securing the best rates and terms. This blog post explores how personalized mortgage services can unlock opportunities and simplify your home financing journey. Why Expert Mortgage Help Matters When it comes to mortgages, one size does not fit all. Each borrower has different financial goals, credit profiles, and property types. Expert mortgage help ensures you receive advice and options that fit your specific needs. Mortgage professionals have access to a wide range of lenders and products, which means they can compare and negotiate on your behalf. For example, if you have a variable income or are self-employed, a mortgage expert can recommend lenders who specialize in flexible underwriting. They can also help you understand the implications of fixed versus variable rates, amortization periods, and prepayment options. Benefits of expert mortgage help include: Access to exclusive mortgage products not available to the general public Personalized financial analysis to determine affordability Guidance through complex paperwork and legal requirements Assistance with credit improvement strategies to qualify for better rates Ongoing support throughout the mortgage term Mortgage advisor providing expert help to a client How Tina Kha Mortgages Provides Expert Mortgage Help Tina Kha Mortgages is a trusted name in the mortgage industry, known for delivering tailored solutions that meet diverse client needs. Their approach focuses on understanding your financial goals and crafting a mortgage plan that aligns with your lifestyle and budget. By working with Tina Kha Mortgages , you gain access to: A broad network of lenders including banks, credit unions, monoline lenders, alternative lenders, and private lenders Customized mortgage strategies for first-time home buyers , investors , and those refinancing Transparent communication and education to empower your decisions Competitive rates and flexible terms negotiated on your behalf For instance, if you are purchasing a condo in a busy urban area, Tina Kha Mortgages can help you find lenders who offer low down payment options and favorable terms for condominium financing. If you are an investor, they can assist in structuring your mortgage to maximize cash flow and tax benefits. Actionable tips when working with a mortgage expert: Prepare your financial documents in advance (income proof, credit report, debts). Be clear about your short-term and long-term housing goals. Ask questions about all fees and potential penalties. Review multiple mortgage scenarios to understand the impact on monthly payments. Keep communication open for updates and advice during the process. Mortgage paperwork and financial calculations What is the Commission for a Mortgage Agent in Alberta? Understanding how mortgage agents are compensated can help you feel confident in the services you receive. In Alberta, mortgage agents typically earn their income from the lender once your mortgage closes. This is usually referred to as finder's fees. For traditional lenders, also known as A lenders, such as banks, credit unions, and monoline lenders, the finder's fees are paid by the lender and do not directly cost the borrower. For alternative lenders and private lenders, typically there would be a brokerage fee. Part of the brokerage fee would be paid to the mortgage agent. It is important to clarify any potential fees or charges upfront. This is reviewed prior to deciding to move forward or not with the application. Key points about mortgage agent commissions in Alberta: Finder's fees are paid by lenders, not borrowers for most mortgages. Lender fees and brokerage fees are discussed upfront prior to making a decision. There are no hidden fees for mortgage advice or application assistance. By knowing this, you can focus on the value and expertise the mortgage agent brings without worrying about extra costs. Mortgage agent discussing commission with client Tips for Choosing the Right Mortgage Expert Selecting the right mortgage professional is essential to unlocking the best mortgage solutions. Here are some practical tips to help you make an informed choice: Check credentials: Ensure the agent is licensed and registered with the appropriate regulatory body. Experience matters: Look for agents with a proven track record in your specific mortgage needs. Read reviews: Client testimonials and online reviews can provide insight into their service quality. Ask about lender access: A wider lender network means more options for you. Communication style: Choose someone who explains terms clearly and responds promptly. Transparency: Confirm how they are compensated and any potential fees. Interviewing multiple agents before deciding can help you find a professional who aligns with your expectations and financial goals. Maximizing Your Mortgage Benefits with Personalized Solutions Tailored mortgage solutions go beyond just finding a low interest rate. They involve structuring your mortgage to fit your lifestyle and future plans. For example: If you plan to pay off your mortgage early, look for options with prepayment privileges and no penalties. If you expect income fluctuations, consider a mortgage with flexible payment schedules. For those buying investment properties, explore interest-only payment options to improve cash flow. First-time buyers may benefit from government programs and incentives that a mortgage expert can help you access, such as First Home Savings Account (FHSA) and RSP Home Buyers Plan (HBP) . By customizing your mortgage, you can save money, reduce stress, and achieve your homeownership goals faster. Conclusion: The Importance of Expert Guidance Unlocking the right mortgage solution requires expert guidance, personalized strategies, and clear communication. Working with a trusted professional like those at Tina Kha Mortgages ensures you receive tailored advice and access to competitive products. Whether you are buying your first home, refinancing, or investing, expert mortgage help can simplify the process and secure your financial future. Take the first step today by consulting a mortgage expert who understands your unique needs and can guide you every step of the way. Let's connect today!
Knowledge Library
Mortgage Solutions
How to Unlock Equity for Renovations for Your Calgary Home
Understanding Home Equity Home equity is the difference between your property’s current market value and the balance remaining on your mortgage. Using home equity to renovate your Calgary home. As you pay down your mortgage or as your Calgary home appreciates, your equity grows. This equity can be used to fund renovations, debt consolidation, or other major expenses.
Why Use Equity for Renovations? Renovations can increase the long-term value of your Calgary property. Accessing equity provides lower interest rates compared to credit cards or unsecured loans. Upgrading your home can improve comfort and functionality while preparing your property for resale.|
Refinance Options in Calgary When looking to refinance your Calgary home equity, there are several approaches to consider. Working with a mortgage broker can simplify refinancing your Calgary home to fund renovations. Mortgage Refinance Replacing your existing mortgage with a new one, often at a better rate, while borrowing additional funds for your renovations.
Home Equity Line of Credit (HELOC) A flexible line of credit secured by your home that allows you to borrow as needed. Ideal for ongoing or phased renovation projects.
Blend-and-Extend Mortgage Your lender may allow you to combine your current mortgage rate with new funds, extending the term without breaking your mortgage contract. Learn more about similar options in this guide to porting a mortgage in Alberta .
Steps to Apply for Mortgage Refinancing Refinancing to access your Calgary home equity for renovations involves several steps. Refinancing can unlock equity to create a brighter, more comfortable home for your family.
Step 1: Assess Your Home’s Value Work with a professional appraiser or consult your lender to determine your property’s current market value. Step 2: Calculate Available Equity Most lenders allow you to borrow up to 80% of your home’s appraised value minus your remaining mortgage balance.
Step 3: Explore Refinance Options Compare refinance mortgage products, HELOCs, and blend-and-extend solutions to see which best fits your renovation goals.
Step 4: Gather Documentation Prepare financial statements, employment details, and a renovation plan. This helps lenders understand how the funds will be used.
Step 5: Apply with a Mortgage Broker A mortgage broker can compare lenders in Alberta to find the best rates and terms for your refinance application.
Benefits of Refinancing for Renovations Access funds at lower interest rates compare d to personal loans or credit cards. Improve property value through kitchen remodels, bathroom upgrades, or basement developments. Consolidate debts into a single, lower-rate mortgage. Tailor your home to your lifestyle without moving.
Considerations for Alberta Homeowners Review closing costs and legal fees associated with refinancing. Ensure the renovations will add value that outweighs the cost of borrowing. Consult a mortgage expert familiar with Calgary and Alberta markets to avoid common pitfalls.
Ready to Refinance Your Calgary Home? If you are looking to refinance Calgary home equity to fund renovations, working with a trusted mortgage broker can simplify the process. Contact Tina Kha today to explore your options and unlock the potential in your home.
Mortgage Refinancing
5 Smart Ways Calgary Homeowners Can Consolidate Debt
Managing multiple high-interest debts can feel overwhelming, especially when you are juggling credit cards, lines of credit, and personal loans. For homeowners in Calgary, using home equity for debt consolidation can be a practical way to regain financial control. By leveraging the value built into your property, you can simplify your payments and often secure a much lower interest rate.
Calgary home showing how equity can be used for debt consolidation. In this article, we’ll explore five smart ways to consolidate debt using your home equity, with a focus on practical tips that Calgary residents can use today.
What is Debt Consolidation? Debt consolidation is the process of combining multiple debts into a single loan or payment, often at a lower interest rate. For homeowners, this typically means tapping into the equity of your home, which is the difference between your property’s value and the remaining balance on your mortgage.
If you live in Calgary or surrounding communities such as Airdrie, Chestermere, or Okotoks, you may be eligible to use your home equity to pay off debts more efficiently.
For more details on the basics, you can read Tina Kha’s Debt Consolidation Mortgage Solutions .
1. Use a Home Equity Line of Credit (HELOC) A HELOC allows you to borrow against your home equity as needed, similar to a credit card but with much lower interest rates. Calgary homeowners often find HELOCs useful for consolidating high-interest credit card balances because they provide flexible access to funds while only requiring payments on the amount borrowed.
Pro Tip: Compare HELOC options from lenders that serve the Calgary region, as some may offer more favorable terms than national institutions. 2. Refinance Your Mortgage Mortgage refinancing is one of the most common strategies for debt consolidation. By refinancing your mortgage at today’s competitive interest rates, you can access a portion of your home’s equity and use it to pay off higher-interest debts.
For example, a Calgary homeowner with multiple credit cards could roll that debt into their mortgage and end up with one single, manageable monthly payment.
Consider This: Refinancing is often most effective when interest rates are lower than your current mortgage, making it a popular choice across the Calgary area.
3. Take Out a Second Mortgage Another option is to take out a second mortgage, sometimes referred to as a home equity loan. This is a separate loan that uses your home as collateral. It provides a lump sum that can be used to pay off debts right away.
For residents in surrounding Calgary communities like Cochrane or Okotoks, a second mortgage can be an accessible tool if refinancing or HELOCs are not suitable.
4. Consider a Debt Consolidation Mortgage A debt consolidation mortgage is a specialized product designed to combine your mortgage with your unsecured debts. This simplifies your finances into one payment at a lower interest rate.
If you’re in Calgary and struggling to manage multiple creditors, this option could give you the financial breathing room you need. Tina Kha offers Debt Consolidation Mortgages tailored to homeowners in Calgary and nearby areas.
5. Work with a Mortgage Broker in Calgary Navigating debt consolidation strategies can be confusing, especially when comparing lenders across Calgary and surrounding towns. Working with a local mortgage broker ensures you get access to the best rates and solutions tailored to your financial situation.
A broker can help you determine whether refinancing, a HELOC, or a second mortgage is the most cost-effective way to consolidate your debt.
Final Thoughts Debt consolidation using home equity is one of the smartest ways to take control of your finances and reduce the stress of multiple payments. Whether you live in Calgary, Airdrie, Chestermere, or Okotoks, you have several options to leverage your home equity for financial freedom. Planning debt consolidation with Calgary mortgage solutions. If you are ready to explore your options, connect with Tina Kha today. She specializes in helping Calgary homeowners find practical debt consolidation solutions that make sense for their unique goals.
Contact Tina here to start your debt consolidation journey.
Mortgage Refinancing
Is Now the Right Time to Refinance in Alberta? Pros, Cons, and Timing
Refinancing your mortgage can be a powerful financial tool, but the decision depends heavily on timing, market conditions, and your personal financial goals. Happy Alberta homeowners enjoying financial peace of mind after refinancing. For Alberta homeowners, understanding the pros and cons of refinancing in Calgary, Edmonton, and beyond can help determine whether now is the right moment to act.
When Should You Consider Refinancing? Refinancing is not a one-size-fits-all solution. Homeowners in Alberta often look at refinancing when:
Lower Interest Rates Are Available If today’s mortgage rates are significantly lower than the rate you locked in, refinancing can reduce your monthly payments and total interest costs.
You Need to Access Home Equity Equity can be tapped through refinancing to fund renovations, pay off debts, or invest in other financial goals. If you have built strong equity in your Calgary or Edmonton home, refinancing may provide flexibility without needing additional loans.
Your Mortgage Term Is Ending When a term is up, you may have the option to switch lenders or renegotiate terms through refinancing. This can be a chance to secure better conditions moving forward.
Benefits of Refinancing Reviewing finances and mortgage options before refinancing in Alberta. Lower Monthly Payments By securing a lower interest rate, Alberta homeowners can reduce their monthly financial obligations and free up cash for savings or other expenses.
Debt Consolidation High-interest credit card or personal loan debt can be rolled into your mortgage, leaving you with one manageable payment at a lower rate.
Increased Financial Flexibility Whether you are preparing for retirement, funding education, or exploring investment opportunities, refinancing can align your mortgage with your long-term plans.
For more insights into how homeowners navigate Alberta’s housing market, check out our article on Calgary First-Time Home Buyers: Navigating Local Programs and Market Trends .
Potential Drawbacks
A quiet home office space for researching mortgage refinance options in Alberta. Penalties and Fees Breaking your existing mortgage early often comes with prepayment penalties. These costs can sometimes outweigh the savings of refinancing.
Resetting Your Amortization While lowering monthly payments may feel like a win, stretching your mortgage term could mean paying more interest over the long haul.
Market Uncertainty Mortgage rates in Alberta can fluctuate quickly. Refinancing at the wrong time could lock you into a deal that is not as favorable as waiting a little longer.
Timing Mortgage Refinance in Alberta Deciding when to refinance is just as important as the decision to refinance itself. Alberta homeowners should monitor:
Current mortgage interest rate trends Their personal financial stability and goals Local housing market conditions
Speaking with a mortgage professional can help you evaluate whether now is the right time to take advantage of refinancing opportunities in Alberta.
Final Thoughts Refinancing can provide Alberta homeowners with valuable financial benefits, but it is not without risks. Carefully weigh the pros and cons of refinancing in Calgary, Edmonton, or elsewhere in Alberta , and consider how the timing aligns with your long-term goals.
Looking for expert advice tailored to your situation? Contact Tina Kha today to explore your refinancing options with a local mortgage specialist.
Mortgage
Is Now the Right Time to Refinance Your Mortgage in Alberta?
Refinancing Your Mortgage: A Smart Move for Alberta Homeowners Refinancing your mortgage can be one of the most effective ways to improve your financial situation, especially during times of changing interest rates and seasonal shifts in the housing market. For many homeowners across Alberta, the question isn’t whether refinancing makes sense, but rather when is the right time to do it. Mortgage refinancing options for homeowners in Alberta. In this article, we’ll break down the factors to consider if you’re thinking about refinancing in Alberta, why seasonal timing may matter, and how you can determine if now is the right move for you. What Does Refinancing a Mortgage Mean? Refinancing involves replacing your existing mortgage with a new one, usually with better terms. Many Alberta homeowners choose to refinance for reasons such as: Securing a lower interest rate Consolidating high-interest debt into their mortgage Accessing home equity for renovations, investments, or other financial needs Adjusting the length of their mortgage term for greater flexibility By working with an experienced mortgage broker, you can evaluate whether refinancing will lower your monthly payments or help you reach your long-term financial goals. Seasonal Factors That Impact Refinancing in Alberta Mortgage refinancing isn’t just about rates; timing can also influence your decision. In Alberta, seasonal market trends and economic factors play a role. Refinancing in Alberta can help homeowners take advantage of changing market trends. Spring and Summer Housing Market : These are peak seasons for home sales in cities like Calgary, Edmonton, and Red Deer. Increased competition can sometimes push rates down as lenders try to attract clients. Fall and Winter Stability : During quieter real estate months, lenders may adjust their offers, and refinancing can help homeowners lock in predictable payments before heading into another year. Economic Shifts in Alberta : The province’s economy is tied to energy and resource markets. If you see changes in employment or inflation trends, refinancing might provide stability during uncertain times. Key Benefits of Refinancing in Today’s Alberta Market Alberta homeowners should consider the following benefits when refinancing: Lower Interest Rates : If current rates are lower than when you first got your mortgage, refinancing could save you thousands over time. Debt Consolidation : Rolling higher-interest debts into your mortgage can simplify your payments and reduce financial stress. Home Equity Access : With rising property values in Alberta communities such as Edmonton, Calgary, and Sherwood Park, tapping into home equity may provide funds for renovations or investments. Improved Cash Flow : Lower payments free up money for other goals, from retirement savings to education funding. Is Refinancing Right for You Now? The decision depends on your personal circumstances: Are today’s interest rates significantly lower than your current mortgage? Has your home’s value increased, giving you more equity to work with? Do you have debts that could be consolidated into your mortgage? Are you looking for stability as Alberta’s economy and housing market shift? If you answered yes to any of these, it could be the right time to explore your refinancing options. Understanding the Refinancing Process Refinancing can seem daunting, but understanding the process can make it easier. Here’s a breakdown of the steps involved: Assess Your Financial Situation : Before you start, evaluate your current mortgage, interest rates, and financial goals. Research Lenders : Look for lenders that offer competitive rates and favorable terms. Compare their offers carefully. Gather Documentation : You’ll need to provide financial documents, such as income verification, tax returns, and details about your current mortgage. Submit Your Application : Once you’ve chosen a lender, submit your application along with the necessary documents. Loan Processing : The lender will review your application, conduct an appraisal, and verify your financial information. Closing the Loan : If approved, you’ll sign the closing documents. This is when your old mortgage is paid off, and the new one takes effect. Work with an Alberta Mortgage Expert Every situation is unique, which is why speaking with a professional mortgage broker is crucial. A broker can walk you through refinancing strategies that align with your financial goals while keeping the Alberta market in mind. Working with a mortgage expert can help Alberta homeowners make the right refinancing decision. To learn more about how refinancing works, visit our detailed Mortgage Refinancing page . Take the Next Step If you’re wondering whether now is the right time to refinance your mortgage in Alberta, don’t wait until rates or circumstances change. Get personalized advice from someone who understands the local market. Contact Tina Kha today to explore your refinancing options and create a plan tailored to your needs.
First Time Home Buyers
Calgary First-Time Home Buyers: Navigating Local Programs and Market Trends
Buying your first home in Calgary can feel both exciting and overwhelming. The Calgary housing market has seen steady demand fueled by population growth, relative affordability compared to other major Canadian cities, and strong employment opportunities in Alberta. A welcoming Calgary home with open living space, the dream for many first-time buyers. While average home prices have risen in recent years, Calgary still offers more value compared to cities like Vancouver or Toronto. This makes it a promising market for first-time home buyers looking to build equity.
As a new buyer, it’s important to understand current Calgary housing market . In addition to monitoring prices, pay attention to inventory levels, interest rates, and seasonal fluctuations. These factors can impact your ability to negotiate and secure your first home at the right price.
Local Incentives and Grants Fortunately, Calgary first-time home buyer programs and grants can make entering the market easier. Below are some of the most popular options available:
Attainable Homes Program The Attainable Homes Calgary Program helps first-time buyers by providing down payment assistance. Buyers contribute a minimum of $2,000 toward their home purchase, while the program covers the rest of the down payment. This initiative is designed to support households who may not otherwise have the funds saved up.
Métis Nation of Alberta First-Time Home Buyer Grant This program supports eligible Métis citizens in Alberta who are purchasing their first home. Qualified applicants may receive financial assistance to help with their down payment or closing costs, making homeownership more accessible. It’s designed to provide Métis families with greater opportunities to enter the housing market in Calgary and across Alberta. For more information on eligibility and the application process, visit the Métis Nation of Alberta’s housing programs page.
Home Buyers’ Plan (HBP) Through the HBP, you can withdraw up to $60,000 (or $120,000 for couples) from your RRSPs tax-free to use toward your first home purchase. This is a valuable way to access funds you’ve already saved for retirement and redirect them toward your homeownership goals.
First Home Savings Account (FHSA) The FHSA is a newer option that combines features of an RRSP and a TFSA. Contributions are tax-deductible, and withdrawals for your first home purchase are tax-free. You can contribute up to $8,000/year with a lifetime limit of $40,000. Setting up an FHSA early can give you an additional boost in your homeownership journey. Learn more about how it works in our mortgage planning resources . Tips for First-Time Buyers A safe and comfortable space for your family in your first Calgary home. Understand Your Budget Before you start house hunting, review your finances and determine how much you can afford. Use tools like a mortgage pre-approval to understand your maximum borrowing power and monthly payments. Explore more details with our mortgage calculator .
Work With a Local Mortgage Broker Calgary’s real estate market can move quickly, and having a mortgage broker by your side ensures you get access to the best rates and programs. A broker can also help you combine multiple incentives, like the FHSA and Attainable Homes Program, to maximize your savings.
Think Long-Term When purchasing your first home, think beyond the immediate. Consider your future career plans, family size, and lifestyle needs. Calgary’s diverse neighborhoods, from downtown condos to suburban single-family homes, offer a range of options to fit different goals. Conclusion Calgary first-time home buyers have access to unique programs and favorable market opportunities, but success depends on planning and informed decisions. By combining local incentives, federal programs, and professional advice, you can make your first step into the housing market with confidence. Modern Calgary condo kitchen for first-time buyers. Ready to explore your options and get started? Contact Tina Kha today for expert guidance on navigating Calgary first-time home buyer programs and the local market.
Getting a Mortgage
First-Time Home Buyer Programs in Edmonton: What You Need to Know
First-time buyers in their new Edmonton home. Buying your first home in Edmonton is an exciting milestone, but it can also feel overwhelming, especially when it comes to understanding the various programs and incentives available to help. Whether you’re a young professional, a new family, or a recent newcomer to Canada, there are first-time home buyer programs in Edmonton designed to make homeownership more affordable and accessible.
In this guide, we’ll break down everything you need to know about local, provincial, and federal programs that can assist you in getting into your first home.
What Qualifies as a First-Time Home Buyer in Edmonton?
In most cases, you’re considered a first-time home buyer if: You have never owned a home before You haven’t owned a home in the past four years (for certain federal programs) You’re purchasing a home with someone who is a first-time buyer
It’s important to review the eligibility requirements for each program, as they may vary.
Key First-Time Home Buyer Programs Available in Edmonton Bright and cozy living space in an Edmonton starter home. 1. First-Time Home Buyers’ Tax Credit (HBTC) This federal tax credit offers up to $1,500 in tax relief (as of 2022) to help cover closing costs such as legal fees, home inspections, and land transfer taxes.
2. Home Buyers’ Plan (HBP) Eligible buyers can withdraw up to $60,000 (as of 2024) from their RRSP to put toward a down payment, tax-free, as long as the funds are repaid over 15 years.
3. First Home Savings Account (FHSA) This new program allows you to contribute up to $8,000 per year (to a lifetime limit of $40,000) toward your first home. Contributions are tax-deductible, and withdrawals are tax-free when used for a qualifying home purchase.
4. CMHC First-Time Home Buyer Incentive This program offers 5% or 10% of a home’s purchase price as a shared equity mortgage with the Government of Canada, reducing your monthly mortgage payments without adding to your debt.
Alberta-Specific Assistance for First-Time Buyers While Alberta does not have a provincial land transfer tax (which is a huge bonus compared to other provinces), there are still local supports available to Edmonton buyers:
1. Edmonton Affordable Housing Programs The City of Edmonton runs several initiatives aimed at improving access to housing, including the First Place Program , which offers townhomes in designated communities with deferred land payments.
2. Down Payment Assistance Programs Some local nonprofits and credit unions offer down payment assistance or match savings plans to support first-time buyers. Working with a local mortgage professional like Tina Kha can help you explore these niche options.
Additional Tips for First-Time Home Buyers in Edmonton:
Get Pre-Approved Early Before browsing listings, get a pre-approval so you understand your buying power and can lock in a rate.
Work with a Local Mortgage Broker Edmonton’s housing market is unique, having someone local who understands lender criteria, city zoning, and market trends will give you a major advantage.
Factor in Closing Costs Don’t forget additional costs like home inspections, legal fees, property taxes, and insurance. These can add up quickly for first-time buyers.
Compare Mortgage Programs You may be eligible for other options like cashback mortgages, low-down-payment insured loans, or flexible repayment plans. Tina Kha can walk you through the pros and cons of each.
Learn More: First-Time Home Buyer Solutions – Tina Kha If you want to explore more tailored advice, Tina Kha breaks down her first-time buyer services in greater detail on her dedicated mortgage solutions page. From education to approval, she’s here to guide you step by step.
Ready to Buy Your First Home in Edmonton? Planning their future in a new Edmonton home. Navigating your first home purchase is easier with the right expert on your side. Tina Kha has helped countless Edmonton residents find the best mortgage options to make their dream home a reality. Whether you need help with pre-approval, understanding which programs you qualify for, or negotiating a better rate, she’s ready to help.
Contact Tina Kha Today and let’s get you on the path to homeownership in Edmonton.
bottom of page