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 Tracey 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.
Tracey Latimer
Client Support Specialist, Agent Level 2
Tracey brings decades of experience to the mortgage industry and it shows in everything she does. She has a deep understanding of the lending landscape and a calm, confident way of guiding clients through even the most detailed parts of their file. Tracey is fantastic at her job, incredibly thorough, and committed to creating an excellent client experience from start to finish. When Tracey is involved in a file, clients feel supported, informed, and well cared for.
Contact Me At Any Time!
I'm always happy to help with any mortgage questions or concerns you may have!