Stacey Mass | Mortgage Expert in Calgary

Mortgage financing.

Looking after your best interest is my goal.

Let me help you find a mortgage that is best suited to your needs.

I specialize in educating clients to ensure stress-free mortgage financing. It would be a pleasure to work with you.

Mortgage financing can be confusing, it doesn't have to be, here's the plan.

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The best place to start is to connect with me directly. The mortgage process is personal. My commitment is to listen to all your needs, assess your financial situation, and provide you with a clear plan forward.

Get a clear plan

Sorting through all the different mortgage lenders, rates, terms, and features can be overwhelming. Let me cut through the noise, I'll outline the best mortgage products available, with your needs in mind.

Let me handle the details

When it comes time to arranging your mortgage, I have the experience to bring it together. I'll make sure you know exactly where you stand at all times. No surprises. I've got you covered.

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Stacey Mass, AMP

Mortgage Expert

LET'S CONNECT

Hi, I'm Stacey Mass, your dedicated mortgage advisor here in Calgary. With over 25 years of experience, I understand that finding the right mortgage isn't just about the lowest rate – it's about aligning your unique needs and goals with the perfect financial solution.

My passion is building lasting relationships with my clients. From your first home purchase to refinancing, investment properties, and beyond, I'm here to offer personalized guidance and proactive support throughout your mortgage journey. I'm committed to finding strategies that optimize your financial situation, not just at the beginning, but for the entire life of your mortgage.

Thanks to the trust of my amazing clients, my business is based almost entirely on referrals, which I am very grateful for.

When I'm not crunching numbers, you'll likely find me enjoying the great outdoors with my family. I'm a wife to an awesome man, mom of three adult kids, and grandmother to an energetic 4-year-old! My downtime is spent hiking, gardening, golfing, traveling, and even rocking out on stage with my husband in our band.

Here are some nice things clients have said about working with me.

I can help you arrange mortgage financing for the following services:

Home Purchase

Mortgage Refinance

Mortgage Renewals

First Time Home Buyers

Investment Property

Buying Your Next Home

Mortgages in Retirement

Construction Financing

Self-Employed

Divorce/Separation

New to Canada

Let's run some numbers.

Start by telling me where you're at in your home buying journey.

Articles to keep you learning

Employment and Mortgage Qualification: What Lenders Look For

By Stacey Mass • July 22, 2026

When you apply for a mortgage, your employment history and status carry a lot of weight. Even if you feel secure in your job, lenders need proof that your income is reliable and will continue. To them, your employment status is one of the strongest indicators of whether you can make your mortgage payments long term. Here’s how lenders typically view different employment situations: Permanent Employment This is the gold standard. Once you’ve passed any probationary period and hold permanent status, lenders see you as a lower risk. It shows that your employer is committed to you, and your income is steady. Probationary Periods If you’re still on probation—usually 3 to 6 months, though sometimes longer—lenders may hesitate. That’s because your employer can end your contract without cause during this period. Once probation is over, you’re considered more secure. That said, context matters. If you’ve worked with the same company for years as a contractor and just transitioned into full-time employment, lenders may accept a letter from your employer confirming that probation is waived. Documentation is key here. Parental Leave Being on or about to take parental leave doesn’t mean you can’t qualify for a mortgage. As long as you have a letter from your employer guaranteeing your position and return-to-work date, lenders can use your regular salary—not your leave income—when assessing your application. Term Contracts This is one of the trickiest categories. Even highly skilled professionals with strong incomes can face challenges here. A term contract has a start and end date, which makes lenders question the stability of your future income. To use term-contract income, lenders generally want to see at least two years of history, or proof that your contract has already been renewed. The more evidence you can show of consistent employment, the stronger your case will be. The Bottom Line If you’re planning to apply for a mortgage, it’s important to understand how your employment status could affect your approval. Whether you’re starting a new job, coming back from leave, or working under contract, lenders want documentation that proves your income is reliable. 📞 If you’ve recently changed jobs or are planning a career shift, let’s connect. I can help you prepare your file so you qualify with confidence and avoid surprises in the approval process.

Bank of Canada Holds Rate at 2.25% — July 15, 2026

By Stacey Mass • July 15, 2026

The Bank of Canada announced today that it is holding its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The tone of today's announcement is notably more optimistic than previous months. Here's what's changed and what it means for you.

Deposit vs. Down Payment: Key Differences for Homebuyers

By Stacey Mass • July 8, 2026

When you’re buying a home, two terms often cause confusion: deposit and down payment . While they’re related, they serve very different purposes in the homebuying process. Here’s what you need to know. What Is a Deposit? A deposit is the money you provide when you make an offer on a property. Think of it as a show of good faith that proves you’re serious about purchasing. How it works : Typically, you provide a certified cheque or bank draft that your real estate brokerage holds in trust. If your offer is accepted, the deposit remains in trust until the deal moves forward. If negotiations fall through, the deposit is refunded. Connection to your down payment : Once the sale is finalized, your deposit becomes part of your total down payment. Why it matters : The amount is negotiable, but a larger deposit can make your offer more attractive in a competitive market. Keep in mind, however, that if you back out after conditions are removed, you risk losing your deposit. What Is a Down Payment? Your down payment is the amount you contribute toward the purchase price of your home when securing a mortgage. Minimum requirement : In Canada, the minimum down payment is 5% of the home’s purchase price. Anything less than 20% requires mortgage default insurance. Sources : Down payments can come from your savings, the sale of another property, RRSP withdrawals (through the Home Buyers’ Plan), a gift from family, or even borrowed funds. Example: How They Work Together Imagine you’re buying a $400,000 home with a 10% down payment ($40,000). When you make your offer, you provide a $10,000 deposit . Once conditions are met, that deposit is transferred to your lawyer’s trust account. At closing, you add the remaining $30,000 to complete your full down payment. The lender provides the rest—$360,000—through your mortgage. The Bottom Line Your deposit shows commitment and secures your offer, while your down payment is what makes the mortgage possible. Together, they work hand in hand to get you into your new home. 📞 If you’d like clarity on deposits, down payments, or any other part of the mortgage process, let’s connect. I’d be happy to walk you through it step by step.