Hi I'm Denise Kelly. I am a licensed Mortgage Agent based out of Spruce Grove Alberta. I am licensed to do business in Alberta, Ontario and Newfoundland. I have over 32 years’ experience working in the financial services industry and access to over 50 lenders in Canada. Call me for all your Mortgage Needs. No Down Payment Mortgage, Home Buyers, First Time Home Buyers, Mortgage Approval, Self Employed, Investment Property, Debt Consolidation, Mortgage Renewal, Mortgage Refinance, Home Equity/Renovations, Vacation Property, Credit Improvement. Call me to discuss the options available to you.