Mortgage Services

    • Why work with a Mortgage Broker?

    As a licensed Mortgage Broker with over 35 years of mortgage underwriting experience, you can count on Jackie to utilize her skills, training, and expertise in helping you achieve your dreams of home ownership. She is not tied to any specific lender as she works with many so can offer you a mortgage that matches your specific needs, this way, you know you’re getting the best products at the best rates. Jackie can quickly narrow down the list of lenders, so comparison-shopping becomes fast, easy, and convenient. Best of all, in most cases, there's absolutely no charge for her services for typical residential mortgage transactions.

    • First Time Home Buyer Mortgage

    Jackie will answer all of your questions and walk you through the mortgage process, step by step. She believes there is no such thing as too many questions and is available evenings and weekends too!

    • The first-time home buyer incentive program

    This newly introduced program is designed to lower mortgage payments for first time home buyers by providing them with an equity shared interest and payment free mortgage loan in addition to their regular mortgage. This loan would be IN ADDITION to your minimum 5 % down payment. Total borrowing under this program is limited to 4 times the applicant’s income.

    • Home Purchase Mortgage

    Are you wanting to purchase a home but are having a hard time saving the down payment? If you have room in your ratios (income vs. debts) you may be able to borrow all or part of the minimum 5% down payment from a credit card, personal line of credit or a personal loan. This is called a Flex Down Mortgage. One thing to keep in mind with this option is that, along with your new mortgage payment, you`ll also have another additional monthly payment to pay off the total borrowed funds.

    • Mortgage Pre-approval

    Getting pre-approved guarantees you an interest rate for up to 120 days so you can take your time to find the right property without worrying about rates increasing. And if rates drop, many lenders will give you the lower rate. If you're thinking of getting into the housing market in the near future, your first step should be completing a pre-approval. A pre-approval will keep you focused on shopping for homes within your price range and will give you details you will need to make an informed decision, such as, how much your monthly payments will cost.

    • Mortgages during a relationship breakdown

    As if the ending of a relationship isn’t already difficult and exhaustive enough, breaking up your mortgage and having to work with lenders that do not quite understand the complexities around the division of jointly owned real estate adds even more strain to the process. If you want to know what happens to your home and mortgage if the relationship comes to an end, above all else, get informed first by contacting Jackie who can help by detailing available options and document requirements in an easy to understand way.

    • New To Canada Mortgage

    If you are New to Canada and wish to apply for a mortgage, it’s important for you to get in touch with Jackie who is an experienced mortgage professional. There are some basic guidelines and unique financing options available for people in three general situations. Individuals on work visas and landed immigrants, those with a Permanent Residency that are employed and non-landed immigrants who are employed. New immigrants who have not yet secured a job but have applied for, or have been granted landed immigrant status or permanent residency can also be financed. Jackie believes your first experience with a Canadian mortgage should be a positive one!

    • Purchase plus improvement mortgages

    The purchase plus improvements program is designed to allow qualified home buyers to renovate their new home and include the cost of the improvements into the mortgage right after taking possession. The cost of the improvements can be added into the mortgage with only 5% down! This program works extremely well for a variety of renovations including the installation of a new kitchen or bathroom, upgrading flooring or finishing a basement. Please contact Jackie for more details about this process.

    • Alternative Mortgage Help

    Sometimes getting a mortgage through a traditional mortgage lender can be a challenge. Most lenders require that you are self-employed for more than 2 years, and that you claim all your income. They also want you to have a high credit score before they will give you a mortgage. If you don’t fit within the guidelines, Jackie has access to multiple alternative lenders that will look at unique income, debt and credit situations.

    • Mortgage Renewal

    Generally, it’s a good idea to start shopping for a new mortgage term four months before your current mortgage term expires. By having Jackie shop around prior to your renewal date, you may be able to save substantial amounts of money over the life of your mortgage loan as lenders are notorious for offering uncompetitive rates at renewal. Your mortgage is one of your biggest expenses, so it’s imperative to find the best interest rates and mortgage terms possible.

    • Mortgage refinancing?

    Many homeowners decide they need to borrow equity in their home to meet financial or life goals. Mortgage rules are always changing and the newest rules only allow refinances to 80 percent of the current value of your home. There are some key factors to consider before deciding whether it’s the right time to make a move. To find out if a mortgage refinance is right for you, get in touch with Jackie as refinancing your mortgage can lead to significant cost savings but only when done right.

    • Home Equity Line of Credit

    A home equity line of credit (HELOC) is a secured line of credit that allows homeowners to access equity in their home at anytime up to a set limit. These products can be wonderful if managed correctly, but potentially dangerous financial tools as it’s possible to go years without ever paying down the balance.

    • Second mortgages

    Are you paying minimum payments on credit card bills, car loans, and other unsecured debt when you’re only paying off the interest at a high rate? A second mortgage is a type of mortgage that allows you to use your home’s equity as the collateral. You can often borrow a much larger amount than you usually would be able to if the loan was unsecured. This option might work best for you when refinancing the existing first mortgage is not an option at this time.

    • Debt consolidation

    A debt consolidation is a form of debt restructuring that involves taking out one larger loan to pay off other smaller loans. This loan would be in the form of a refinance, secured line of credit (HELOC) or a second mortgage. One single monthly payment is often easier to manage and by making one larger payment the overall debt owing can be paid down quicker

    • Builder mortgages

    This type of financing is for the construction of a new home. The two common types of mortgages available are “draw” or “completion”. A draw mortgage is when your mortgage finances the build and interest is paid on those draws during the construction period. Once the build is 100% complete, the loan becomes a standard mortgage. A “completion” mortgage is when the builder will finance the construction of the home to 100% completion and you only start making payments when the home is 100% complete. Qualifying for a construction loan might be a more tedious process because of the additional paperwork.

    • Reverse mortgages

    A reverse mortgage is ideal for home owners 55+ who are looking to either alleviate financial stress by paying off existing debt, or are looking to finance a major expense such as a second home or a car, are facing costly healthcare needs, or are looking to help a family member out with a down payment or tuition costs. This product requires no monthly payments

    • Commercial mortgage financing

    Are you an Investor or a business owner looking for quality commercial real estate opportunities? Whether you want to buy a property that can produce an income or are considering expanding your business, Jackie can help to find you quality commercial financing.

    • Looking for equipment leasing?

    A leasing professional can help you structure lease financing for new equipment, start a sale/lease-back to extract capital from existing assets or realize other equipment acquisition opportunities. Banks have very strict criteria and it often becomes a hassle trying to arrange financing with them so let Jackie help you obtain quick and easy long-term financing solutions.

    • Investment Property Mortgage

    Any homeowner will confirm real estate has been one of the most attractive investment categories in Canada for the past decade. If you're considering an investment in real estate, start by having a conversation with Jackie to see options available with many different lenders

    • Private mortgage lending

    While most mortgage loans come from banks, credit unions, and trust companies, there are some cases where working with a private mortgage lender makes the most sense. Perhaps you have been turned by the bank due to your credit history or employment challenges, this type of solution may work for the short term. It is not for everyone, but for those in the right situation, private lending can make home buying or refinancing a reality.


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