Your Dream Home is Within Reach

Complete Mortgage Solutions for Every Need

With over 18 years of experience and having helped a few thousand clients, we provide personalized mortgage solutions tailored to everything from first-time home purchases to more complex residential needs—backed by strong relationships with multiple lenders.

Not Sure Which Service You Need?

Every mortgage situation is unique. Let's discuss your goals and find the perfect solution for your needs.

Meet Tim Lacroix

With over 18 years in the mortgage industry, Tim has helped hundreds of Calgary families achieve their homeownership dreams. His personalized approach and extensive lender network ensure you get the best possible mortgage solution for your unique situation.

Beyond mortgages, Tim is a devoted husband to Tracy, with whom he’s been married for over 20 years. Together, they’ve built a family deeply connected to the industry, Tracy’s son is a mortgage broker on the team, his wife a Realtor, and Tim’s two daughters are thriving in their own careers, one as a registered nurse and the other as a proud mother of two. Now a grandfather to two grand-boys, Tim brings the same family-first values to every client relationship.

Our Values

Transparency First

No hidden fees, clear communication, and honest advice throughout your mortgage journey.

Local Calgary Expertise

Deep understanding of Calgary's real estate market and local lending landscape.

Client Approach

Your financial goals drive our recommendations. We work for you, not the lenders.

Ongoing Support

Our relationship doesn't end at closing. We're here for renewals, refinancing, and questions.

Smart Tools for Smarter Mortgage Decisions

Make informed decisions with our comprehensive suite of mortgage calculators and planning tools. Get instant estimates and understand your options before you apply.

* This calculator provides estimates only. Actual rates and payments may vary based on your financial situation, credit score, and current market conditions. Contact Tim Lacroix for personalized mortgage advice.

Additional Mortgage Tools

Why Use Our Mortgage Tools?

• Accurate Calculations

  Based on current market rates and lending criteria

• Plan with Confidence

  Understand your options before meeting with lenders

• Save Time & Money

  Compare scenarios and find the best mortgage strategy

• Expert Validation

  Schedule a consultation to review your calculations

Important Disclaimer: These calculators provide estimates only. Actual mortgage rates, payments, and approval amounts may vary based on your credit score, employment history, debt ratios, and current market conditions. All calculations should be verified with a mortgage professional. Contact Tim Lacroix for personalized mortgage advice and accurate rate quotes.

What Our Clients Say

Real stories from real clients who achieved their homeownership goals with personalized mortgage solutions.

Ready to Start Your Mortgage Journey?

Get in touch today for personalized mortgage advice. We respond to all inquiries within 4 hours during business days, with same-day service available for urgent matters.