Lisa Helfrick, AMP - Mortgage Intelligence

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Lisa Helfrick, AMP - Mortgage Intelligence As a Mortgage Professional at Mortgage Intelligence I have the tools to get you the best mortgage, with the features and rate that meet your needs.

As your independent mortgage consultant working with more than 30 lenders, I will identify competitive home financing solutions that fit your unique financial goals. Whether you’re buying a new house, refinancing an existing home, or plan to purchase a vacation property or investment property, I can discuss strategies to help you save money on interest, reduce your payments and improve your cash flow. My Broker Promise: To provide you with unbiased professional help to obtain the best available deal on your mortgage. To listen to you needs and dreams in order for you to achieve everything simply and affordably. Don’t wait any longer, contact me today at Tel: 373-0003 or visit www.idreammortgages.ca. Broker Lic #315979 Brokerage Lic #315857

Buying a new home before the current one sells? Timing both sides can feel like a puzzle. Once the current home has a fi...
10/24/2026

Buying a new home before the current one sells? Timing both sides can feel like a puzzle. Once the current home has a firm buyer, bridge financing may help cover the gap between buying and selling, depending on the lender. Planning the price, timing and terms of both deals together makes the whole process smoother.

How much does it really cost to own a home in Canada? More than just your monthly mortgage payment.Property taxes, home ...
10/23/2026

How much does it really cost to own a home in Canada? More than just your monthly mortgage payment.

Property taxes, home insurance, utilities, maintenance and potential condo fees all need a place in your budget. And while some expenses are predictable, others can catch you off guard if you haven’t planned for them.

When we work together, I’ll help you review your finances, understand how much mortgage you may qualify for and, more importantly, how your mortgage payments fit alongside the other costs of homeownership.

Thinking about buying a home? Let’s look at the numbers and build a mortgage plan around your budget. Send me a message to get started!

Buying with less than 20% down? In Canada, a smaller down payment means the mortgage generally needs default insurance, ...
10/22/2026

Buying with less than 20% down? In Canada, a smaller down payment means the mortgage generally needs default insurance, which protects the lender and can make it possible to buy sooner. The premium is usually added to the mortgage rather than paid upfront, and insured mortgages often come with competitive rates.

What does this mean for you?
Under 20% down: You can buy with less saved, but a one-time insurance premium is usually added to your mortgage. Insured mortgages are only available on homes under $1.5 million.
20% or more down: There’s no insurance premium and you borrow less overall, though uninsured mortgage rates are often slightly higher.

Want to hear something really scary? Your mortgage renewal is coming up, and you’re planning to sign whatever your bank ...
10/21/2026

Want to hear something really scary? Your mortgage renewal is coming up, and you’re planning to sign whatever your bank sends you.

Before you do, let’s talk.

Your current lender’s renewal offer isn’t necessarily the most competitive one available. And while signing might be convenient, you could be missing out on better rates, more flexible mortgage features or terms that make more sense for you.

That’s where I can help. I’ll review your current mortgage, shop around with different lenders and compare your options so you know exactly what’s on the table before making a decision.

Don’t let a missed opportunity come back to haunt you! Have a mortgage renewal coming up? Message me before you sign.

Thinking about buying your first home in 2027? The preparation can start well before the house hunting does.From underst...
10/19/2026

Thinking about buying your first home in 2027? The preparation can start well before the house hunting does.

From understanding how much you could qualify for to reviewing your credit, managing existing debt and setting realistic down payment goals, there are important steps you can take now to prepare for homeownership.

I can help you understand where you stand financially, identify what lenders will be looking for and create a mortgage plan that works toward your home buying goals.

Could this time next year look a little different? Message me and let’s start planning for the possibility of a place to call your own.

Many mortgages include prepayment privileges that let you pay extra without a penalty, such as lump-sum payments up to a...
10/17/2026

Many mortgages include prepayment privileges that let you pay extra without a penalty, such as lump-sum payments up to a yearly limit or increasing your regular payment amount. Even small extra payments can shorten the amortization and save a meaningful amount of interest. Limits vary by lender, and going over them can trigger a penalty, so it pays to know exactly what your mortgage allows.

Saving for a down payment on your first home? Your savings could come with a tax break!The First Home Savings Account (F...
10/16/2026

Saving for a down payment on your first home? Your savings could come with a tax break!

The First Home Savings Account (FHSA) is designed to help eligible first-time homebuyers save for their first property while benefiting from valuable tax advantages.

With an $8,000 annual contribution limit and a $40,000 lifetime limit, FHSA contributions are generally tax-deductible, and qualifying withdrawals to purchase a first home are tax-free.

That means you could reduce your taxable income while building savings toward your future home.

Planning to buy your first home? Connect with me today to learn how your down payment, available first-time buyer programs and mortgage options can work together.

Your credit history could have more influence on your mortgage than you realize!When applying for a mortgage, lenders lo...
10/15/2026

Your credit history could have more influence on your mortgage than you realize!

When applying for a mortgage, lenders look beyond your credit score. Payment history, outstanding debts and credit utilization can all play a role in determining your eligibility and the mortgage rates and terms available to you.

The good news? Building healthy credit habits today could put you in a stronger position when it’s time to buy a home, refinance or renew your mortgage.

Whether you’re planning ahead or preparing to make a move, connect with me to find out how your credit profile could affect your mortgage goals.

Savings? Better terms? Refinancing? Or maybe you’re looking for a little expert guidance?Whatever your mortgage goals, f...
10/14/2026

Savings? Better terms? Refinancing? Or maybe you’re looking for a little expert guidance?

Whatever your mortgage goals, finding the right solution doesn’t have to feel like a puzzle.

I have access to a wide range of lenders and mortgage products, helping you compare possibilities and find solutions that fit your needs.

Whatever you’re searching for, I know where to look.

Message me today!

Happy Thanksgiving! Wishing you a cozy weekend with the people who make every place feel like home.
10/12/2026

Happy Thanksgiving! Wishing you a cozy weekend with the people who make every place feel like home.

Address

502 Cope Way # 102
Saskatoon, SK
S7T0G3

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+1 306-227-5492

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