Our staff is local and friendly. We enjoy our jobs and want to make sure that you have the best mortgage experience possible.


Unlike many of the larger Canada wide mortgage companies that are out there, all your information will be kept secure and private.


Refinance your home today and find out how much you’ll save instantly!




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Mortgage Broker Calgary


Unlike the big banks, we have a variety of mortgage lenders and products to choose from!  What makes us unique is our response times, and focus around customer service.  Above all, we want to make sure our clients are happy with the transaction.
Jencor Mortgage Calgary

Calgary’s Mortgage Broker puts your home loan in front of several lenders to get you the most competitive home loan rates.

We want you to have the information that you need to understand your home loan options and make the best decision possible. Our secret sauce is jumbo home loans but we also offer, conventional and refinance mortgage solutions, we take the time to listen to you and suggest the options that best fist your goals and needs.

Is refinancing right for you? Find out here and view our variety of fixed rate and adjustable rate refinancing options to choose from.

Unlike the big banks, we understand your options then find the best lender to suit those needs.

We’ve been helping people in Calgary find and finance the dream home that they’ve always wanted for 15+ years.

You get a great rate because the mortgage lender wants to win your business.

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Calgary Ab Mortgage

Calgary Mortgage Broker Rates

Home Mortgage Tips To Save You Money

0 Down Mortgage CalgaryHave you worked on getting a mortgage in Calgary before? Even if you have had experience with getting a mortgage, the market has changed quite a bit in recent years. It is always changing, based on economic conditions. You have to keep up with these changes if you want to get the best loan for your situation. Read the following tips, designed to help you get the mortgage you deserve.

Begin getting ready for a home mortgage well in advance of your application. If you plan to buy a house, you have to get your finances ready as soon as possible. This ultimately means that you should have savings set aside and you take care of your debts. You run the risk of your mortgage getting denied if you don’t have everything in order.

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Mortgage Renewal Rates CalgaryIf you’re thinking of estimating your monthly payments for mortgage in Calgary, you need to see about getting yourself pre-approved for loans. Know how much you can afford each month and get an estimate of how much you will be qualified for. After you get all this information, then you can sit down and determine what is affordable each month.

Do not borrow up to your maximum allowable limit. Your lender will let you know how large of a mortgage you are able to qualify for, however it is not based your personal experience – it is based on an algorithm. Have an overall picture of your financial situation, and what you know will be affordable going forward.

Gather your financial material before going to the bank to discuss a home mortgage. You are just wasting your time and everyone else’s if you go to your loan interview without proper documentation. Your lender is going to want this material; if you have it handy, you can save multiple trips down to finance office.

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Calgary Mortgage Broker RatesSince the rules under this program allow for flexibility when the homeowner is under water, you may be able to refinance the terms of the existing Calgary mortgage. This new program allowed many previously unsuccessful people to refinance. Check it out and see if it can help you.

You must have a stable work history in order to get a mortgage. Many lenders expect to see work history of two years or more in order to grant a loan approval. Switching jobs a lot can result in your loan being denied. Also, never quit a job while applying for a loan.

Always talk openly with your Calgary mortgage broker, no matter your situation. Although many homeowners are inclined to give up on a mortgage when the chips are down, the smartest ones know that lenders often renegotiate a loan, rather than wait for it to go under. Give the lender a call and tell them your situation.

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Mortgages To Go CalgaryIf you are underwater on your home and have made failed attempts to refinance, give it another try. HARP is a new program that allows you to refinance despite this disparity. Ask your lender if they are able to consider a refinance through HARP. If your lender is still not willing to work with you, find another one who will.

While you wait to close on your mortgage, avoid shopping sprees! Many times, lenders will check your credit before closing on the loan. Wait until you have closed on your mortgage before running out for furniture and other large expenses.

Always shop around to get the best terms possible before finalizing any mortgage contract. Ask loved ones for recommendations, plus check out their fees and rates on their websites. Once you’re able to figure out the details, you can figure out where the best deal is.

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Best Mortgage Rates CalgaryGet help if you’re struggling with your mortgage. If you have fallen behind on the obligation or find payments tough to meet, see if you can get financial counseling. HUD-approved counselors exist in most regions. Such counselors can provide no-charge foreclosure prevention help. Call your local HUD agency to seek assistance.

An ARM, otherwise known as adjustable rate mortgage does not end when the loan terms end. The rate is adjusted to the applicable rate at the time. This could cause you to pay a higher interest rate.

Learn how to steer clear of unscrupulous lenders. Though many are legitimate, others are unscrupulous. Stay away from lenders that attempt to pressure you. Never sign if the rates appear too high or too low. Don’t use lenders who say that credit scores really do not matter. Don’t do business with any lender who encourages you to lie.

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Low Down Payment Homes CalgaryIf you’re not able to get a mortgage from your credit union or bank, try getting in touch with mortgage brokers. Many times a broker is able to find a mortgage that will fit your circumstances better than traditional lenders can. They work with different lenders to get the best option for you.

Before agreeing to any mortgage contract, know exactly what kinds of fees that are involved. Look for itemized closing costs and other charges that included, as well as what the lender commission is. Some of these may be negotiated with either the seller or the lender.

Don’t get home mortgages that carry an interest rate that’s variable. With a variable rate, your interest can increase dramatically and raise your mortgage payment. This will leave you in foreclosure and miserable.

Average Mortgage Rate Calgary

Worry Free Mortgage CalgaryIf you don’t understand your mortgage, ask questions before signing. It is essential that you understand the documents you are signing so as to avoid financial pitfalls. Don’t neglect to give your broker your contact information. Be sure to monitor your e-mail for messages from your broker as he may need you to provide additional documents or he may want to keep you informed of progress on the mortgage.

Getting the best home loan is more likely to come about if you educate yourself about them. Securing a home mortgage requires a tremendous undertaking, and you want to avoid putting yourself into a bad situation. Do your research on the companies you apply to so that you can be assured that you will be happy working with them.