Mortgages by Amie

Mortgages by Amie Building wealth through real estate…let’s chat about your goals! �

04/11/2026

What a gorgeous home in an established lake community. This home will be gone soon so don’t wait! Contact .krystal for more information on this property.

If you are planning a move this year, reach out and let’s get you pre-approved!

A bit about me and my journey. Whether your goals is 10 rentals or your first home, I want to be that trusted source to...
03/29/2026

A bit about me and my journey. Whether your goals is 10 rentals or your first home, I want to be that trusted source to guide you on your journey.

Side note…while a knowledgeable mortgage broker is crucial, so is a rockstar realtor that can help you find the right home!

Shoutout to our friend and realtor that was there every step of this journey with us, through all the negotiations and failed offers along the way! 😁

03/25/2026

Reverse Mortgages are growing in popularity...and for good reason!

You have worked hard to buy a home, pay down the mortgage and you've benefitted from appreciation over the years. Now you may be in the stage of life where your income is reduced and keeping up with a remaining mortgage, utilities and other home maintaince costs seems unsustainable. Maybe you wish you would renovate or improve your home, but don't want to take out extra loans or add to your mortgage. Maybe you wish you could gift money to your kids or grandkids to help them buy a home. You've thought about withdrawing more from your retirement savings, but that comes with tax implications.

If any of these scenarios hit home, its time to explore what a reverse mortgage can do for you. Reverse mortgages are payment optional. You can use funds to pay out and existing mortgage, and therefore stop payments immediately. You can take out a one time draw, or monthly or quarterly payments to help you stay on track with your budget.

The benefit is staying in your home longer, and while reverse mortgages do come at a cost, I can run the numbers on expected appreciation and show you how the actual cost so you can make an informed decision.

Reach out anytime:

Amie Walcott
Mortgage Architects
E: [email protected]
Ph: 204-979-8035

Serving Alberta and Manitoba!

What is the real cost of waiting? If you are planning to buy your first home in Alberta or Manitoba, it is important to...
03/20/2026

What is the real cost of waiting? If you are planning to buy your first home in Alberta or Manitoba, it is important to understand the specific market you live in. It likely isn't as risky as those national headlines would make you think.

Be informed. Get professional advise from a realtor and mortgage specialist. Then make the move!

03/18/2026

Your home equity is a powerful tool. You can access funds to improve your cashflow, pay off higher interest debts, buy a rental property or pay for home renovations. Let's see what we can achieve to improve your financial situation!

Reach out today:

Amie Walcott
Mortgage Architects
E: [email protected]
Ph: 204-979-8035

Serving clients in Alberta and Manitoba!

03/15/2026

They were about to sign their renewal…
And stay in debt for YEARS longer.

Instead, we restructured everything — and now they have a plan to be mortgage-free 9 years sooner 👇

Here’s what most homeowners don’t see:

🏡 Mortgage balance: $520,000
📉 Bank renewal offer: 4.24%
💳 Other debts:
• $28K line of credit (9.45%)
• $17K credit cards (19.99%)
• $22K car loan (7.49%)

👉 Total high-interest debt: $67,000
👉 Monthly payments on that debt: ~$1,780

What we did differently:

✔️ Refinance + consolidate high interest debts into mortgage
✔️ Structured prepayment plan using freed-up cash flow to pay down mortgage faster

The result:

💰 Monthly obligations reduced by ~$820
📉 Estimated interest saved: ~$174,000
⏳ Mortgage paid off 9 YEARS earlier

Most people focus on the rate.
Smart homeowners focus on the strategy behind the rate.

Your renewal could be your biggest financial opportunity of the decade.

Let's chat — I’ll show you the numbers.

Amie Walcott
Mortgage Architects
E: [email protected]
Ph: 204-979-8035

Serving Alberta and Manitoba!

03/09/2026

One of the biggest mistakes homeowners make is simply signing the renewal offer their bank sends in the mail.

What most people don’t realize is that this offer is often not the bank’s best rate — it’s just the easiest option.

Before renewing your mortgage, a quick review with a mortgage broker can help you:

✔ Compare multiple lenders
✔ Negotiate a better rate
✔ Adjust your amortization or payments
✔ Access equity if needed
✔ Potentially save thousands of dollars

The best time to review your mortgage options is 120–180 days before renewal.

If your mortgage is renewing in 2026, send me a message now and let's get started on your renewal strategy!













03/08/2026

Check out this listing by in Acadia in a great location with easy access to both Macleod Trail and Deerfoot. This home has great opportunity to gain a little sweat equity! I can help you with a purchase plus improvements mortgage on this home or another home like this one.

Let’s chat soon and strategize your home buying plan!

❤️🏡

Hi, I'm Amie - your mortgage master (always with a coffee in hand ☕ ).Wifey. Boy mom. Leo ♌. A little bossy, but only ...
03/04/2026

Hi, I'm Amie - your mortgage master (always with a coffee in hand ☕ ).

Wifey. Boy mom. Leo ♌. A little bossy, but only because I care 🥰!

I help clients in Manitoba and Alberta navigate mortgages with clarity and confidence. My goal? To make sure you feel educated, empowered, and excited about your next move!

If you are thinking about buying, refinancing, or just have questions, inbox is always open. 📩

Amie Walcott
Mortgage Architects (Alberta and Manitoba)
(204) 979-8035
[email protected]

02/28/2026

It’s tax time!! I preach all the time about first home buyers opening an FHSA and here is a live example of the benefit.

This is my 19 year old son’s tax return and I’m sharing with his permission.

He has worked the majority of the year full time and saved over $7000 in his FHSA. We first entered his income and his return would have been $698. Then we entered his FHSA contributions and his return is now $3,637!!

That is a difference of $2,939. He will reward himself with a treat (likely with a $200 pair of sneakers), and then the rest will be deposited into his FHSA in 2026, resulting in an even bigger refund next year. This doesn’t even count that he has this money invested and is receiving dividends and yearly growth on his contributions.

This is how the FHSA snowball effect works and how you can use government programs to save faster for your first home!

If you need guidance on how to do this for yourself or have young adults in your life that need to learn, please reach out and I would be happy to help!

02/21/2026

If you’re planning to buy in the next 6–24 months, its time to get mortgage ready!

But good income does NOT automatically mean easy approval.

What actually matters:
• How lenders calculate your qualifying income
• How existing debts affect your ratios
• Down payment structure (5%, 10%, 20%+)
• Credit optimization strategy
• How to position your file before submitting to lenders

I’m a licensed mortgage broker in Alberta and Manitoba, and I created a comprehensive First-Time Home Buyer Guide specifically for buyers to ensure they understand the process and are ready to take the next step.

If you want to buy confidently - DM me and I will send you my FREE guide!

Serious buyers plan ahead. The best approvals start 6–12 months before you write an offer.




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