Keys to a new home
Paragon Mortgage Inc.

Services

Refinance, renewals, purchases, and every path in between.

Sandy Fisher with Paragon Mortgage Inc. arranges financing across Canada's lender landscape—prime, alternative, and specialty solutions tailored to Sherwood Park and Alberta clients.

Grand contemporary home with pool
Architectural residence at twilight
Luxury home with evening lights
Modern open living space
Contemporary home exterior at dusk

Featured

Refinance

Restructure your mortgage to lower payments, unlock equity, or consolidate debt—while comparing break costs against long-term savings.

  • Rate-and-term refinances when a better product fits
  • Equity take-outs for renovations, investments, or cash needs
  • Penalty vs. savings analysis before you break a term
  • Options up to typical conventional loan-to-value limits
Talk to Sandy about this →
Bright modern living room ready for new homeowners

Featured

Home purchase & pre-approval

Shop with confidence. Secure a pre-approval, understand your true budget under Canadian stress-test rules, and move quickly when the right home appears.

  • Pre-approvals with clear conditions and timelines
  • Purchase financing for resale and new builds
  • Down-payment strategy aligned with CMHC/OSFI rules
  • Coordination with your realtor and lawyer through funding
Talk to Sandy about this →
Elegant home hallway with natural light

Featured

Mortgage renewal

Your lender’s renewal letter is a starting point—not the finish line. Compare the market 90–120 days before maturity and switch when it pays.

  • Early renewal shopping without leaving money on the table
  • Fixed, variable, and hybrid term strategy
  • Switch/transfer options that can reduce friction at maturity
  • Payment-shock planning before rates reset
Talk to Sandy about this →

Full offering

More ways Sandy can help

From first homes to complex credit files—one advisor, many lender doors.

Couple viewing a bright open-concept home

First-time home buyers

Navigate deposits, insurance premiums, and qualification with a clear plan—so your first purchase feels guided, not overwhelming.

  • Insured and conventional pathways explained simply
  • Closing-cost and cash-to-close planning
  • Program and incentive guidance where eligible
  • Stress-test coaching before you write an offer
Talk to Sandy about this →
Renovated kitchen representing home equity projects

HELOC & home equity

Access revolving credit secured by your home for renovations, investments, or flexibility—structured within Canadian LTV guidelines.

  • Stand-alone HELOCs and readvanceable structures
  • Combined mortgage + HELOC solutions where available
  • Use-of-funds planning with clear payment expectations
  • Responsible leverage aligned to your goals
Talk to Sandy about this →
Organized financial planning documents

Debt consolidation

Roll high-interest consumer debt into a mortgage strategy that can lower monthly obligations and simplify cash flow.

  • Consolidate credit cards, lines of credit, and loans
  • Side-by-side payment comparisons before you proceed
  • Balance of rate, amortization, and total interest cost
  • Credit-health guidance alongside the financing plan
Talk to Sandy about this →
Modern workspace for business owners

Self-employed & business owners

Income that doesn’t fit a T4 still finances homes. We package statements, corporate income, and alternative documentation lenders understand.

  • Stated-income and stated-income verified options where suitable
  • Incorporated and sole-proprietor income structuring
  • Lender matching for complex or seasonal cash flow
  • Clear document checklists so files move faster
Talk to Sandy about this →
City skyline welcoming newcomers to Canada

New-to-Canada financing

Building a life in Alberta? Access lenders experienced with newcomers, transferable credit, and limited Canadian history.

  • Newcomer programs with flexible credit requirements
  • Guidance on down payment and documentation
  • Pathways from first purchase to long-term banking relationship
  • Support in English with patient, plain-language advice
Talk to Sandy about this →
Urban apartment building for investors

Investment & rental properties

Scale a portfolio with financing that accounts for rental income, vacancy, and lender appetite for multi-property clients.

  • Purchase and refinance of rental properties
  • Rental income treatment and debt-service calculations
  • Second properties, duplexes, and small multi-units
  • Portfolio strategy across renewals and acquisitions
Talk to Sandy about this →
Luxury home facade representing a mortgage switch

Mortgage switch & transfer

Move your mortgage to a stronger rate or product at renewal—or earlier when the numbers work—without starting from scratch.

  • Competitive switch offers from monoline and bank lenders
  • Appraisal and legal-cost considerations explained upfront
  • Product features beyond rate: prepayment, portability, penalties
  • Clean handoff so funding aligns with your maturity date
Talk to Sandy about this →
Moving boxes in a sunlit home during a transition

Bridge financing

Buy before you sell without the scramble. Bridge solutions cover the gap between closing dates with a clear exit plan.

  • Short-term financing between sale and purchase
  • Coordination of dates, conditions, and lawyer instructions
  • Transparent cost and interest expectations
  • Exit strategy tied to your firm sale or refinance
Talk to Sandy about this →
Spacious modern residence with equity potential

Second mortgages

Need equity access without disturbing a strong first mortgage? Second-position financing can unlock funds for the right purpose.

  • Equity access while keeping your first mortgage intact
  • Prime and alternative second-mortgage pathways
  • Clear ranking, rates, and repayment structures
  • Suitability review versus HELOC or full refinance
Talk to Sandy about this →
Downtown towers representing specialty lending

Alternative & private lending

Credit events, unique income, or urgent timelines sometimes need B-lenders or private capital—arranged carefully and disclosed clearly.

  • B-lender solutions when A-lenders decline
  • Private first and second mortgages for complex files
  • Written fee disclosure before you commit
  • Exit planning back to prime lending when ready
Talk to Sandy about this →
Home under construction with timber framing

Construction & renovation

Build or substantially renovate with draw schedules and underwriting that match how projects actually progress.

  • New construction and self-build financing
  • Renovation mortgages and improvement draws
  • Builder and cost-to-complete documentation support
  • Conversion to a standard mortgage at completion
Talk to Sandy about this →
Lakeside cottage among trees

Cottage & recreational properties

Lakefront, cabin, or four-season getaway—financing for properties that don’t always fit a standard urban checklist.

  • Recreational and secondary-home purchase financing
  • Lender appetite for access, servicing, and property type
  • Down-payment and insurance considerations
  • Year-round versus seasonal use guidance
Talk to Sandy about this →
Comfortable established home for longtime owners

Reverse mortgages

For eligible homeowners seeking tax-free equity without a required monthly mortgage payment—explained with care and alternatives.

  • Eligibility and age requirements reviewed clearly
  • How interest accrues and what it means for your estate
  • Comparison versus HELOC, refinance, or downsizing
  • Independent legal advice coordination as required
Talk to Sandy about this →
Inviting home interior

Not sure which service fits?

Tell Sandy your goal—buy, refinance, renew, or unlock equity—and she'll map the cleanest Canadian financing path.