Millennium Mortgage Group: Molding a New Future with Industry Disruptors

MMG MortgagesJacki Harris & Heather Manna (Carroll)

MMG Mortgages


OG: Please tell everyone about what you guys do at Millennium Mortgage Group?

MMG: MMG Mortgages is a team of experienced and knowledgeable mortgage professionals. With diverse financing and lending backgrounds, we have the ability to provide the most up to date advice and information regarding clients financing needs. We offer residential, commercial and construction financing with specialists on our team in each field.

OG: How did you end up teaming up and creating MMG? 

MMG: Heather started in this industry 12 years ago and Jacki 7 years ago. We both started our careers at a major financial institution and then joined the broker side a few years after. We have known each other for almost 30 years and so our decision to form MMG and become partners was an easy decision. We have a shared vision for how we can make the financing experience better for our clients and provide a full service experience to stand out from our competition.

OG: Our team has looked at the services that you offer, and we are quite impressed. When looking at other companies offering similar services you do not see the same depth of services. How have you been able to grow your company to offering such a range of services, for buyers? Are there any other services you are wanting to add but haven’t yet?

MMG: We feel one of our strengths at MMG is the depth of experience our team offers clients. We have a commercial specialist, Heather and myself specialize in construction/build financing and we have a business specialist also. With the diverse backgrounds we have to offer clients, no matter the financing situation we have a team member with direct experience to ensure clients have the most knowledge and expertise on their side. We believe that being able to provide service in all aspects of the mortgage lending industry allows us to meet any needs a client may have. Whether they are purchasing a new residence, or looking to buy a commercial building for their business. We want to be able to handle it all.

OG: It is no secret that Calgary has been hit with a down turn. How have you been able to persevere over this?

MMG: The last year has definitely been a difficult year for the Calgary market. However, as we both went through the recession in 2008/2009, we have learned that there is always a need for mortgages and financing advice, even more so maybe when times are tough. This year has been an opportunity to help clients who have been laid off to downsize and still remain home owners. It has also been a year for investors that are in a position to pick up more investment properties with rates low and prices dropping slightly. There is always an opportunity for business even in the tough years, it just a matter of adjusting to what clients are looking for and what they need. Furthermore, educating clients that in a downward market it’s an opportunity to “Not waste a good recession” and taking advantage of the upsides of the current market.

OG: What strategies have you put into place that will shape your business long after this downturn is over?

MMG: Our strategy has always been long term relationships. Not just with our clients, but also our realtors, builders, lawyers and appraisers. Our goal is to provide the best advice and options for our clients no matter the financial climate. Helping our clients through this tough period and making sure they are in a good financial position, so that when things turn around (as they always do), we are their first call when they are ready to make future real estate investments.

MMG Mortgages


OG: Our team was drawn to your company because of your ability to look at each person’s story when sitting down with them to talk finances. You have developed a unique business in how you approach financing. Why are you doing things differently? How have you seen success from taking on this new style of financing? 

MMG: Every client has a story. Every client has a unique set of circumstances, needs and future goals. Purchasing a property and setting up a mortgage is not just a simple process. We want to make sure we are taking into account not just the current needs of our client, but also if they plan to purchase further properties in the future, if they plan to expand their family in the coming years and lastly what their future goals are. We need to ensure that the biggest investment our clients make (their homes) end up benefiting and enabling their long term financial goals. As an example, certain mortgages come with restrictions that do not allow clients to transfer their mortgages to another property, refinance, make pre-payments or sell privately. Thus, if we do not educate our clients about specific mortgage options (not just rates) they could be ited into something that does not accommodate their future goals.

One of our largest sources of business is client referrals. In order for clients to trust us with the personal referral of friends/family we need to be making a very positive impact, so this is always our goal.

OG: What has been your biggest failure? Looking back at that failure, what have you learned and would do differently now?

MMG: We had to think about this question and honestly speaking we don’t have any failures with our company. We look at different situations as learning, developing and growing. We have taken risks with certain aspects of our business such as hiring, unique marketing and different types of client’s incentives. They haven’t all had the results we had hoped for, but we wouldn’t know unless we tried.

OG: The make up of MMG’s team is stronger on the female side. Would you say that this has helped or hindered your company? Why? (Off the record, I am thoroughly impressed that you have such a strong female presence on your team. I have seen a number of Real Estate teams that don’t even have one woman.)  

MMG Mortgages


MMG: The strong female make up of our team has really happened organically. We love our male team members and they are also integral parts of our successful company. I believe having two strong female partners has definitely encouraged female brokers to seek us out as the ratio of male to female in our industry is definitely heavier on the male side, so they may see us as having a different perspective. I don’t feel that this has hindered us at all, maybe if anything it has given us an edge to stand out which is just fine by us!

OG: Where do you see MMG in the next 5 years? 

MMG: In 5 years I expect us to look fairly similar to how we operate now. Our team may grow by a few members in different specialties, but our general process and services provided will likely remain unchanged. Our clients and our partners provide us feedback on a daily basis that we use to change and adjust our operation to ensure we remain at the top of our field.

We are in the process of moving our office to be in an easily accessible centralized location for our clients. We also have plans to expand our company into other provinces in Canada to grow our client base and our service area.

OG: Is there anything you would like to add? What should we know about you that we haven’t touched on? 

MMG: Well we both have a pure passion for helping people. Our business is not just about growth and financial successes. It’s really about making home ownership a possibility. Helping a first time buyer get the house they never thought they’d get. Helping someone purchase a business. Helping a multi generational family build a home with multiple suites, or helping a family buy a vacation property. It’s the satisfaction that we get knowing we are helping to make dreams and passions a reality. Neither of us are individuals that could work at a 9am-5pm job everyday. We are creative and we are business owners at heart. We are living our passion by helping people and loving what we do everyday.

The Collaboration Section

We like to ask all of the companies we profile for some insight into what they use to stay on top of what the latest trends are. Here is what Jacki & Heather from MMG Mortgages shared with us:


Highly Recommended Books:


MMG Mortgages Boundaries for Leaders by Dr. Henry Cloud

In Boundaries for Leaders, clinical psychologist and bestselling author Dr. Henry Cloud leverages his expertise of human behaviour, neuroscience, and business leadership to explain how the best leaders set boundaries within their organizations—with their teams and with themselves—to improve performance and increase employee and customer satisfaction.







MMG Mortgages Drive – The Surprising Truth about What Motivates Us by Daniel Pink

Drawing on four decades of scientific research on human motivation, Pink exposes the mismatch between what science knows and what business does—and how that affects every aspect of life. He demonstrates that while carrots and sticks worked successfully in the twentieth century, that’s precisely the wrong way to motivate people for today’s challenges. In Drive, he examines the three elements of true motivation—autonomy, mastery, and purpose—and offers smart and surprising techniques for putting these into action. Along the way, he takes us to companies that are enlisting new approaches to motivation and introduces us to the scientists and entrepreneurs who are pointing a bold way forward.




Office Guardians would like to say a big thank you to both Jacki & Heather for taking part in this month’s business profile. Please take a second and connect with Jacki & Heather and MMG Mortgages online today!


Contact Number: 403-465-0704
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