Edmonton Mortgage Broker, Online and by Phone

An Edmonton mortgage broker, online

Whether you're buying a first condo, upgrading in a mature neighbourhood or renewing in St. Albert, Sherwood Park, Spruce Grove, Leduc, Beaumont or Fort Saskatchewan, John can work with you entirely by phone, text and secure upload. Your Edmonton-area lawyer or notary handles signing and the Land Titles registration.

Things that come up often for Edmonton borrowers

• Older homes and renovations. Buying an older home you plan to update? A purchase plus improvements mortgage may let you add renovation costs to your mortgage, based on quotes and the expected value after the work. Lender rules and holdbacks apply.
• Condos. Condo fees count toward your debt-service ratios, and lenders review the corporation's documents and reserve fund. Talk to John before you firm up an offer.
• Infill and new construction. Builder contracts, deposits and closing dates affect your financing timing. New builds may qualify for 30-year insured amortizations and the first-time buyers' GST rebate.
• Shift work, overtime and contract income. Lenders often average variable income over two years. Have your T4s and Notices of Assessment ready.
• Acreages near the city. Strathcona, Parkland, Sturgeon and Leduc counties have plenty of country residential properties. See acreage financing.

Mortgage help for Edmonton homeowners and buyers

Pre-approval · First-time buyers · Renewal · Refinance · HELOC · Self-employed · Commercial