About
About Melissa
Mortgage planning that puts people first.
I’m Melissa Kuczepa, Level 2 Mortgage Agent with Mortgage Architects. Before mortgages, I worked as a 911 Ambulance Dispatcher and spent ten years in telecommunications, roles that taught me how to stay calm under pressure, lead with empathy, and support people when it matters most.
Today, I bring that same approach to every client I work with. With access to more than 57 lenders, I focus on clear guidance, honest advice, and strategies that improve your financial picture.
I also founded 100 Kids Who Care in Durham Region and Quinte West to help kids learn the power of giving back.
My goal is simple: support you with care, clarity, and real solutions.
Meet theTeam
Behind every mortgage file is a team dedicated to making the process clear, organized, and stress free. Dayna and Sally bring years of experience, strong attention to detail, and genuine care for the clients we work with. When you work with us, you’re supported every step of the way.
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Dayna Ballagh
Client Support Specialist, Agent Level 2
Dayna has spent more than 15 years in the financial services industry, with a background that includes insurance, financial advising, and now mortgages. She brings a wealth of knowledge to every client interaction and has a natural ability to make complex information feel simple and manageable. Dayna is warm, organized, and dedicated to delivering a fantastic client experience. Her attention to detail and client-first mindset make her an asset to every file she touches.
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Sally Todd
Client Support Specialist, Agent Level 1
Sally has spent more than 14 years in the mortgage industry, with experience on both the lending and broker sides of the business. She brings a wealth of knowledge in underwriting, mortgage operations, and client service, helping ensure a smooth and efficient mortgage experience. Sally is organized, dependable, and committed to providing exceptional support every step of the way. Her ability to anticipate potential roadblocks and keep files moving forward helps create a seamless experience.
Contact Me At Any Time!
I'm always happy to help with any mortgage questions or concerns you may have!