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Real strategies that help families find breathing room.

Need help with your mortgage?

I'm here to provide straightforward, comprehensive, and compassionate solutions to your mortgage needs.

15–20 minutes • No pressure • Personalized to your situation

A quick welcome from Melissa

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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.

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Before entering the mortgage industry, I worked as an Ambulance Dispatcher. That role taught me how to stay calm under pressure, lead with empathy, and support people when it matters most. 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.

My Focus Areas

The areas where I deliver the biggest impact for clients.

Purchases &
First-Time Buyers

Whether you are a first-time homebuyer, buying a 2nd property, or even an experienced investor, we have options to meet your mortgage financing needs. Have a full pre-approval in place before you start looking at properties.

Mortgage Refinance

Don’t just renew, renegotiate. When your mortgage is up for renewal, or even during your term, it’s worth having your options reviewed. We’ll carefully assess your situation and help ensure your mortgage truly fits your needs.

Reverse
Mortgages

For homeowners 55+, accessing your home’s equity without adding new payments can be a practical option.
A reverse mortgage may help support retirement income, healthcare costs, or family needs. 

Not sure where to start?

My free, quick-start guides have got you covered!

Debt Consolidation Guide

Debt Consolidation

This guide will show you how real clients have restructured their mortgage to free up cash flow and save thousands every month.
First Time Home Buyer Guide

First-Time Homebuyers

This checklist will walk you through what lenders look for, what to avoid, and how to budget with confidence.
Reverse Mortgage Guide

Reverse Mortgages

This guide will teach you the basics of how to unlock your home’s equity without selling, moving, or adding new monthly payments.
Clients

A Few of the Lenders I Work With

TD Bank Mortgage Lender
Scotiabank Mortgage Lender
MCAP Mortgage Lender
First National Mortgage Lender

TESTIMONIALS

“Melissa is fantastic! She provided very thorough and detailed advice including all sorts of different scenarios to help us find our best option. Her timeliness in responding helped us to take a lot of stress out of the process. On top of that, she is really friendly and kind in her communication. Thanks so much, Melissa for going the extra mile to help us out.”

Samantha Wyatt

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