Services.
Taking the intimidation factor out of your finances.
Financing, in particular mortgage financing, is not always an easy conversation so it’s natural for clients to start with something like rate. And while we understand that rate is important, there is so much more that goes into the conversation than a few percentage points. To better understand where you are at and where you are headed we want to first and foremost understand what is important to you.
See Below for how I can help you.
Services.
Purchase
Condo, townhouse, or house – whatever the property type it’s bound to be one of the most significant purchases you ever make, so you want to ensure that you’re getting the right advice from the start.
With over 18 years of direct bank and credit union lending experience, I’m here to guide you and to answer your questions so that I can help to match you with the right solutions.
Helping people to get into a home that they love, in the simplest most straightforward way possible.
Refinance
Have you been staring at that forest green refrigerator or blasé backsplash for months debating a home renovation?
Or maybe the kids are close to graduation with post-secondary programs in mind? Perhaps you want to help your grown children out with a down payment on their first home or buy that RV you’ve always dreamt of and drive it across Canada? Leveraging your home equity can help make all of the above a reality.
Renewal
Congratulations! You’ve made it through your mortgage term, but remember just because you’re already living in your home doesn’t mean that you should approach your financing with a ‘set it and forget it’ mentality.
Clients with a mortgage up for renewal are among the most sought-after customers, so you are in a position of power and hold the cards.
It’s important to start the conversation at least six months in advance of your mortgage maturity date to get a better understanding of what’s available in the market. The competition for refinances is fierce, and it’s a great opportunity to gain access to the best features and rates available. Your bank, credit union, or lender will likely start sending you renewal rates 4-6 months in advance, but keep in mind, like any negotiation, this is the first (and not necessarily their best) offer. Being armed with the facts puts you in the driver’s seat of the conversation.
Debt Consolidation
Did an unforeseen situation or life event cause you to veer off track, and as a result are high interest debts eating up all of your cash flow?
Life happens, and it’s easy to get caught up in the cycle of consumer debt. If you own a home and are carrying high-interest credit card and/or loan balances, there may be an opportunity to refinance up to 80% of the property value to get your cash flow back on track and start paying down that principal faster. For example, a credit card balance of $25,000 at 19.99% costs almost $5000/year in interest alone and would take five years to pay off with payments of at least $650/month. The same $25,000 if added to a 25-year mortgage would only increase your payment by about $150/month and would be at a significantly lower rate of interest.
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Application & Tools.
Calculators, Online Application, Rates, and More!
The Blog.
The most common questions answered - simply - and without all of the jargon.
Working Together.
Understanding the process is half the battle - everything you need to know below.
We could not offer a more enthusiastic recommendation for Jen! We recently purchased a home and circumstances required both a prompt approval and closing to allow us to get the best value on our purchase.
Jen was incredibly supportive in providing creative solutions while at the same time, helping us feel comfortable and confident throughout the entire process. She checked in multiple times through the process to ensure that we were aware and understood all of our options and was always prompt and thorough in responding to our questions. On top of being a great person to talk to, Jen made the process of getting approved and removing subjects incredibly easy!
Beyond her wicked-awesome awesome support for all things to do with the mortgage, Jen has a ton of experience and a great network to support with other aspects of the transaction. At our request, she was able to provide quick references for both a lawyer and insurance representative that were able to support quick closing and completing the purchase while we were away on vacation.
We would be honored to work with Jen again and highly recommend her for any mortgage needs!
— Paul Mullen
Let’s Chat.
The most important thing to me is family and I’d be very grateful to be a part of your family’s journey.