Our Focus Areas
Mortgage Refinance
Don't just renew, renegotiate! When your mortgage comes up for renewal, and even in some instances during your mortgage term, you may want to consider renegotiating the terms of your mortgage. We are here to professionally and meticulously review your options and ensure you receive the best mortgage for your needs.
Reverse Mortgages
Sometimes, accessing your home’s equity without adding new monthly payments is the most practical option—especially for homeowners 55+. A reverse mortgage can help supplement retirement income, cover healthcare costs, or support family. We’ll review your position to determine if a reverse mortgage is right for you.
Not sure where to start?
My free, quick-start guides have got you covered!
ABOUT MELISSA
Hi! I’m Melissa Kuczepa — Level 2 Mortgage Agent and an Accredited Mortgage Professional of Canada — and I’m so happy you’re here!
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Choosing the right Mortgage Agent is an important step in your home financing journey, and I’m honoured to support you through it.
Before entering the mortgage industry, I worked as an Ambulance Dispatcher — a career that taught me how to stay calm under pressure and communicate with empathy. Today, I bring those same skills to my work as a Mortgage Agent. I used to save lives — now, I help save money.
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As a Mortgage Agent, I advocate for you. I work directly with lenders to secure the best mortgage product, rate, and terms for your unique situation. I’ll also help identify ways to increase your cash flow, consolidate debt, or plan ahead to reach your long-term financial goals.
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With access to over 57 lenders — including A, alternative, and private options — I can find mortgage solutions for a wide range of scenarios. And if you’re not quite ready yet, that’s okay too. I’m happy to create a step-by-step plan to help you get mortgage-ready and into the housing market when the time is right.
Let’s make a plan that works for you.
SOME OF OUR TRUSTED LENDERS
