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Professional Mortgage Strategy & Guidance
Mortgages tailored to you. Get expert advice and take the first step toward your dream home with confidence and clarity.
Meet Your
Real Estate Expert
Victoria Hryciuk | Mortgage Broker
I’m Victoria Hryciuk, a Mortgage Broker serving clients across Alberta with MMG Mortgages. With over 10 years in the real estate industry, I bring experience, strategy, and a personalized approach to every mortgage. My goal is to make the process clear and support you every step of the way.
Personalized Mortgage Financing Solutions
Whether you’re purchasing your first home, moving up, refinancing, or renewing, I deliver mortgage solutions tailored to your financial goals. Backed by over 10 years of experience, each recommendation is structured to ensure clarity, confidence, and long-term stability.
01
First Time Home Buyers
Buying your first home is exciting but it can also feel overwhelming. From understanding how much you qualify for to navigating down payments, closing costs, and mortgage options, every decision matters.
I guide you step by step, ensuring you understand your financing structure, secure competitive rates, and move forward with confidence. My goal is to make your first purchase clear, strategic, and stress-free.
02
Move Up Buyers
Outgrowing your current home comes with bigger financial decisions. Whether you're upgrading for more space, relocating, or adjusting to a new phase of life, timing and financing strategy are key.
I help coordinate the transition between selling and purchasing, structure bridge financing if needed, and ensure your next mortgage aligns with your long-term goals. Moving up should feel like progress, not pressure.
03
Mortgage Refinance
Your mortgage should continue working for you long after you’ve moved in. Refinancing can help consolidate debt, access equity, fund renovations, or improve monthly cash flow.
I assess your current structure, evaluate penalties, and determine whether refinancing makes financial sense, ensuring the strategy supports your broader financial plan, not just short-term savings.
04
Mortgage Renewals
When your mortgage term ends, simply signing your lender’s renewal offer may not be your best option. This is an opportunity to reassess your rate, terms, and financial goals.
I review available options across multiple lenders, negotiate on your behalf, and ensure your renewed mortgage remains competitive and aligned with your current situation.
10
Years Experience
$18M
Financed 2025
200+
Happy Clients
The Right Support
Makes All The Difference
Why Clients Trust Me For Guidance
Personalized strategy
Fast turnaround times
Access to multiple lenders
Clear, straightforward advice
Clear Steps
Confident Decisions
The mortgage process should feel clear, organized, and fully supported from beginning to end. My goal is to ensure you always understand what’s happening, what comes next, and why each step matters. With proactive communication and careful attention to detail, the experience remains smooth, efficient, and free of unnecessary stress.
01
Initial Consultation
We start with a conversation to understand your goals, timeline, and financial situation so we can determine the best mortgage strategy for you.
02
Application & Review
You complete a secure online application and submit your documents, allowing me to structure your file properly and prepare it for lender review.
03
Approval & Confirmation
I submit your application to the most suitable lender, manage communication throughout the process, and review the approval details with you once received.
04
Finalization & Funding
All remaining documents are completed, any outstanding conditions are satisfied, and your mortgage is funded smoothly and on schedule.
Frequently Asked Questions
Everything you need to know, simplified
No. My services are paid directly by the lender once your mortgage is funded, meaning there is typically no cost to you.
Not necessarily. Many buyers qualify with less than 20% down, depending on the purchase price and mortgage type, and I’ll explain the options available to you.
Yes. When your term ends, you are not obligated to stay with your current lender, and exploring options can often result in better rates or terms.
Timelines depend on the type of transaction and current lender volumes, but approvals typically range from 4 to 10 business days once all required documents have been submitted.
The right option depends on your risk tolerance, financial goals, and market conditions. I’ll walk you through the differences and help you decide what aligns best with your situation.
Let’s Talk About Your Next Big Move
Confident decisions start here
Have questions or ready to move forward? Reach out today for clear, expert guidance tailored to your mortgage needs.
16410 Ellerslie Rd SW, Edmonton AB T6W 1A7