Candice Carr

Mortgage broker / owner / notary public

Kindred Mortgage Co.

Candice Carr

mortgage broker / owner & notary public

Mortgage Broker in Regina

Hi! I’m Candice Carr, Mortgage Broker in Regina. I have more than 11 years of experience originating mortgages and pride myself on making your home buying experience as smooth and enjoyable as possible! Being able to explain your mortgage options in an easy to understand manner is important to me.

I have multiple awards under my belt, including being in the top 5% of Mortgage Broker’s across the country, which means I have seen and heard every situation you could think of, and can find a solution for you. I am always thinking ahead and am a problem solver by nature. With every client I help, I am their broker for life. It’s the beginning of a long term, trusting relationship. When you call, I call you by name. The old fashioned customer service is what I strive for with every client. A relationship is formed, clients become repeat clients, and then eventually generational.

I strive for word of mouth referrals more than anything because it means someone trusts me enough to pass on my name to a person they know. They know their friend / family member or colleague will receive the same level of service they did, and I am honored to provide that service to them.

I attribute my awards to hard work which was ingrained in me my whole life, coming from a Saskatchewan born and raised, entrepreneurial family. There is still a group of people out there who value true customer service and a personal experience that becomes a long term, trusting relationship from someone who shares your values and understands what you need.

When I’m not working on mortgages, I enjoy spending time with my kids, baking, traveling, and always seem to have a renovation or re-design project on the go. I have the sweetest pups in the word, two tiny toy poodles named Minnie and Ginny.

Get started now for free

First Time Homebuyer

Are You Buying Your First Home?

Let me show you how to get qualified for your first home purchase!

  • Find Out How Much You Can Afford
  • Lock In Today’s Best Mortgage Rates
  • Shop for a Home with Confidence
  • No Cost or Obligation

Purchase Plus Improvements

Are You Buying a Fixer Upper?

Let me show you how to include your renovation costs in your mortgage!

  • Find Out How Much You Can Afford
  • Add Renovation Costs to Your Mortgage
  • Find a Fixer Upper and Make it Your Own
  • No Extra Costs or Financing Needed
  • One Mortgage Payment for all Your Renovations!

Refinancing 101

1. Mortgage Pre-Approval

Set up meeting by calling/texting 306-531-6880 or email me.

2. Estimate a Value

If you know a “ball-park” value of your home, that helps! I can also get a rough estimate from a Realtor who can check some comparable properties. The actual value will be confirmed by an appraiser.

3. Determine if you have enough Equity to Refinance

In order to refinance (not including a spousal buyout) you can only borrow up to 80% of your home’s value. Value x 80% – current mortgage = the amount of funds you can have access to.

Renew your mortgage

Is it time to renew your mortgage?

Let me show you how to get the BEST mortgage renewal.

Mortgages are a tricky thing – you will get a renewal letter from your mortgege lender asking you to sign to renew, but it’s always recommended to have a look and see if you can save money or get better terms on your renewal. I can help!

Mortgages and Divorce

Are You Getting a Divorce? Let me help you through the mortgage issues of a separation!

  • Get Qualified for a New Mortgage
  • Options for Getting Out of a Joint Mortgage
  • Refinance to Divide Assets
  • Save Expenses When Transferring

Sign up for the Mortgage Newsletter

Want to stay up to date on all things mortgage related? Look no further! Sign up for my mortgage newsletter by clicking the link below to be informed about important mortgage news and market information, expert insights and of course money saving tips and advice. I look forward to keeping in touch with you.

Resources

1. Mortgage Pre-Approval

Set up meeting by calling/texting 306-531-6880 or email me.

2. Make an Offer

Find a house you love and make an offer subject to conditions such as mortgage approval, inspection, etc. If the sellers like the offer, they will accept the offer. If they do not like the offer, they will counter offer and you can accept or not.

3. Write deposit cheque

To your real estate office’s Trust account. This will count towards your down payment.

Just looking to do some quick calculations? I have a number of mortgage calculators for you to use.

Looking for the most recent Mortgage Rates? Check them out here.

Everyone needs a team of experts in their corner when buying or selling a home. Get in touch with me now and I’ll send you some information on my trusted partners and how they can help ease the stress of the home buying and selling process for you.

Service areas

As a mortgage broker, I proudly serve clients in Regina, Saskatoon, Yorkton, and the surrounding areas.

I have extensive expertise in the local real estate market and can help you find the perfect mortgage to fit your unique needs and budget. Whether you’re a first-time homebuyer or looking to refinance, our goal is to make the process as smooth and stress-free as possible.

Contact me today to learn more about how we can help you achieve your homeownership dreams.

If you have searched any of the following; Mortgage Broker Regina, Mortgage Broker Saskatoon, Mortgage Broker Moose Jaw, Mortgage Broker Yorkton, Mortgage Broker Weyburn, Mortgage Broker Estevan and more, your search stops here!

In my many years of brokering experience, I have funded well over $200M of mortgages in these areas and have expert realtors, lawyers and home insurance providers in your city to help make the home buying process smooth and easy for you.

Not only do I provide mortgage services for Saskatchewan, but the rest of Canada as well.

More specifically, If you are searching for a “Mortgage Broker Kelowna”, you’re in luck! I am well versed in the Kelowna market and would be happy to get your mortgage pre-approval started.

Apply online now!

Notary public Regina

A Notary Public in Saskatchewan is authorized to perform various legal services such as affirmations, declarations and administering oaths.

They can also witness and certify the execution of legal documents such as contracts, affidavits and deeds.

In addition, a Notary Public in Regina can provide other services such as verifying the identity of individuals, certifying true copies of documents.

In summary, the role of a notary public in Saskatchewan is to act as an impartial witness and provide a reliable and trustworthy certification of various legal transactions and documents.

I am happy to offer Notary Public services to Regina and area by appointment. Please contact me at 306-531-6880 or complete the online inquiry to schedule an appointment at my Regina office by clicking the contact button below.

Latest on the mortgage blog

Get Pre-Approved This will always, always be step one before anything else. You can complete my application on this website and we will go through it together to discuss every option available to you. I will review your income, credit, discuss down payment, current mortgage and what your options are.

If you are hoping to maximize your tax return for the 2022 tax year, consider contributing any savings to an RRSP. Your contribution is deducted from your taxable income, potentially helping your tax return grow, or reducing what you will owe in income taxes. Tax returns can easily be used

metis first time home buyer field of grass

One of the most challenging aspects of buying a home is saving for a down payment. If you are Metis, you may be eligible for the Metis Nation – Saskatchewan First time Home Buyers Program. The program helps eligible Metis citizens with a contribution of $15,000 toward the down payment

The start of the new year saw Canada’s new foreign buyer ban officially come into effect. The two year-ban, originally passed by Parliament in June to help address housing affordability challenges, will apply to non-Canadian individuals and commercial enterprises. However, the Prohibition on the Purchase of Residential Property by Non-Canadians

There are more changes from CMHC affecting mortgage qualifying coming July 1, 2020. The modifications to the underwriting criteria make it more difficult to qualify for a mortgage for those who have less than 20% for a down payment. The changes include increasing the minimum credit score to 680 (previously

Covid-19 has impacted our economy and financial markets significantly. The government has implemented a mortgage deferral program to help those in need of financial support during this time. A person can now defer his or her mortgage payment for up to 6 months, at the lender’s discretion. There are some