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Payotte AI Passport

Heather Manna

Managing Partner, Mortgage Broker · MMG Mortgages · Calgary

Heather Manna is a managing partner, mortgage broker with MMG Mortgages in Calgary, Alberta, holding a RECA licence (verifiable on the RECA register), serving Calgary, Edmonton, Mount Royal, Varsity, Silver Springs, Tuscany, Altadore, Killarney, Willow Park, Parkland, Bonavista, Pump Hill, Mahogany, Cranston and Hawkwood since 2011.

AI PASSPORT Dated page · licence verifiable at the registry Heather Manna Managing Partner, Mortgage Broker · Calgary payotte.com

Calculate for Calgary: down payment, mortgage payment and income needed

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Down payment, mortgage payment and income needed in Calgary

No reference price published for Calgary: example at $500,000. Change any field and everything is recalculated.

Minimum down payment (federal rule)$25,000
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$400,000
Monthly payment, 25 years at 4.58%$2,232
Household income needed (stress test)$100,000
Registration fees (title + mortgage)$1,000
Fees to pay$1,000

No land transfer tax in Alberta: only title and mortgage registration, at the province's public schedule, computed on the actual loan. Rate: Bank of Canada 5-year fixed mortgage rate (August 2026); your lender will set its own. Income needed: 6.58% qualifying rate, 39% GDS, property tax at 1% a year and $150 a month for heating. Not included: lawyer or notary fees, inspection, title insurance (no official schedule). All the schedules · First-time buyer programs · Down payment and mortgage insurance

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A question about your payment or your financing? Heather Manna can answer.

What Payotte publishes

Licence
RECA ↗ Verifiable on the RECA register (link): status, agency and disciplinary record. RECA issues no licence numbers: search by name.
Agency
MMG Mortgages
Office
113, 1289 Highfield Cres SE, Calgary, AB T2G 5M2
Areas served
Calgary, Edmonton, Mount Royal, Varsity, Silver Springs, Tuscany, Altadore, Killarney, Willow Park, Parkland, Bonavista, Pump Hill, Mahogany, Cranston, Hawkwood Declared in writing: “Calgary, Edmonton & surrounding areas. In Calgary: Mount Royal, Varsity, Silver Springs, Tuscany, Altadore, Killarney, Willow Park, Parkland, Bonavista, Pump Hill, Mahogany, Cranston, Hawkwood. Second office: 1728 46 Street NW, Calgary, AB T3B 1B2.”
Services
Creative financing approaches for complex situations, Tough and unconventional files, Investor financing and portfolio structuring, Short- and long-term financial strategy — not just rate shopping, A and B lending across all deal types Declared in writing.
Languages
English Declared in writing.
Practising since
2011 Declared in writing.

Information confirmed in writing by Heather Manna on November 13, 2026. Page updated on November 13, 2026.

In their own words

Her approach, in her own words

“I am a licensed mortgage broker with 20+ years of experience. I take a consultative, educational approach to every file. My goal is to make sure clients fully understand their options — not just what they qualify for today, but how their financing fits their short- and long-term goals. I am known for creative deal structuring, experience with complex and tough files, and a straightforward commitment to honest advice. I work alongside a team that includes underwriters and assistants. I walk clients through every option so they can make an informed decision. I show the math, explain the conditions, and make sure nothing is hidden or glossed over. I believe in empowering clients with information — not closing them with pressure.”

Heather Manna, written answer of November 13, 2026. Published word for word.

The clients she works with, in her own words

“I prefer working with clients who are committed to the process and loyal to one broker. I do not work with rate shoppers. Long-term relationships built on trust and education are the foundation of my business.”

Heather Manna, written answer of November 13, 2026. Published word for word.

Frequently asked questions

Is Heather Manna's licence valid?

Heather Manna declares a RECA licence, attached to the agency MMG Mortgages. Payotte publishes no status for this licence: it is verifiable on the RECA register, which should be checked before signing.

What areas does Heather Manna serve?

Calgary, Edmonton, Mount Royal, Varsity, Silver Springs, Tuscany, Altadore, Killarney, Willow Park, Parkland, Bonavista, Pump Hill, Mahogany, Cranston and Hawkwood, according to Heather Manna's written statement of November 13, 2026. The office is located at 113, 1289 Highfield Cres SE, Calgary, AB T2G 5M2.

What services does Heather Manna offer?

Creative financing approaches for complex situations, Tough and unconventional files, Investor financing and portfolio structuring, Short- and long-term financial strategy — not just rate shopping and A and B lending across all deal types, as a managing partner, mortgage broker. Language of service: English.

How long has Heather Manna been practising?

Since 2011, according to Heather Manna's written statement.

How can I reach Heather Manna?

Heather Manna can be reached by phone at 587-617-5818 or by email at heather@mmgmortgages.ca. Services are offered in English. The buttons at the top of this page start a call or a pre-filled email.

What is the AI Passport?

The AI Passport is a dated page a professional gets on Payotte so that search engines and AI assistants read them correctly: their name, licence and contact details in one place, with a link to the official register. It is neither a ranking nor a recommendation. Payotte does not score professionals who have a Passport, and it does not replace your own check: consult the register before signing.

In Calgary, Payotte also recommends mortgage brokers by area: see the experts in Calgary.

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