
Mortgage Broker Regina

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 pup in the world, a tiny toy poodle called Minnie.

Home Buying 101
1. Mortgage Pre-Approval – set up meeting with Candice by calling/texting 306-531-6880 or email Candice@candicecarr.ca
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.
Click the button below to read more about home buying 101.

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 with Candice by calling/texting 306-531-6880 or email Candice@candicecarr.ca
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.

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
-Mortgage Interest Rates Have Never Been Lower!

Mortgage Calculator Saskatchewan
Just looking to do some quick calculations? I have a number of mortgage calculators for you to use.
Check them out by clicking the button below.

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!
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.
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.
Lastest on the mortgage blog
Are Lenders Obligated to Renew Mortgages?
It's a common held belief that if you've made your mortgage payments on time throughout the entirety of your mortgage term, that your lender is somehow obligated to renew your mortgage. This is simply not the case. [...]
Creating Stability in the Canadian Housing Market
This morning, Finance Minister Bill Morneau announced new housing measures, changes meant to alleviate risk in Canada's current housing market. The measures include: Standardizing lending criteria for high- and low-ratio mortgages, including a mortgage stress [...]
Avoid This Mistake When Shopping for a House
No doubt about it, buying a home is an emotional experience. It's a game of balancing needs and wants, while trying to be honest with yourself about those very needs and wants. It's hard to [...]
Further Tightening of the Mortgage Belt
Before reading this you should be warned that the following content is pretty dry... like eating 8 saltine crackers without drinking water dry. If you need to go and get something to drink before proceeding, no worries, [...]
Bank of Canada Rate Announcement Sept 7th, 2016
The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per [...]
Use Low Rates to Your Advantage!
In an article I recently published called "Is Now a Good Time to Buy?" we identified that interest rates are at all time Canadian lows and as it's never been cheaper to borrow money, now is a good time [...]
Is Now a Good Time to Buy?
If you're getting tired of all the media headlines claiming impending housing market and economic doom and gloom, you're not alone. It seems every time you browse the news another US economist is predicting terrible things for [...]
A Conversation About Mortgage Pre-approvals
Thinking of buying a property, but don't know where to start? Well... that's where a mortgage pre-approval comes in. Start here. Just like you wouldn't go into a restaurant without having enough money to buy [...]
What is Mortgage Fraud?
Have you ever wondered about how to protect yourself from mortgage fraud? Although the chances of you becoming a victim of mortgage fraud is relatively small, if you do become a victim, it will certainly have a [...]
Negative-Yield Bonds – Pay to Save?
There is a good chance that if you skimmed the news headlines this last week, you passed right on over a piece called CIBC sells negative-yield bonds for 1st time. No one blames you, because let's face [...]