Janice is an Alberta based Mortgage broker with 12 years of experience
An irregular blog, helping you with all your mortgage financing, and mortgage refinancing needs!
Curious about what purchase price you will be approved for?
Naturally you will have lots of questions about purchasing your first home. I am here to help you every step of the way. I am able to best help you with some information about yourself. If you want to get started in the quickest way possible, please feel free to fill out my secure on-line application, and I'll be in contact with you as to the next steps.
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Frequently Asked Questions
Please reach me at janice@mortgagesbyjanice.com if you cannot find an answer to your question.
This is a great question and one I get all the time. It is firstly a very personal question as only you know how comfortable you are with variable rate and the possibility of it going up. If you are worried about your variable rate, most likely the fixed rate is going to be much higher - is it even worth it? The good news is, I have a calculator that shows if your current rate is better or worse than what you could potentially be locking into if you switched to fixed, so my advice is - just ask me!
Yes of course you can! Just be aware that if you do opt to have the bank or lender take care of these for you, that you may have to pay for this service. So just be sure to check. The next thing is, if you include it in your mortgage, if you ever leave that lender you need to make sure to separate the taxes from your mortgage when moving to another lender, as if you don't they will just lump it all together, and you will no longer have a tax account. And there are other ways to ensure you don't get a surprise at the end of the tax year - so please, just ask me!
I know it would be much easier to lump all these together. But as time goes on, you may forget who or if you have insurance. The separate payment always reminds you (or your loved ones in case of death or severe injury) that you do indeed have insurance.
About Mortgages by Janice
12 years of mortgage experience.
Feel at ease with me as your broker.
Feel at ease with me as your broker.
I have been in the business of mortgages for a long time now, and have learned exactly how to help YOU save money.
Feel at ease with me as your broker.
Feel at ease with me as your broker.
Feel at ease with me as your broker.
If you have any questions at any point in your mortgage journey, I am reachable. Call, text, or email me and I will help guide you.
Emphasis on education.
Feel at ease with me as your broker.
Emphasis on education.
I firmly believe it is immensely important to know everything about your mortgage before you make your final decision. From start to finish, I will ensure you are crystal clear on every part of your mortgage.
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Head Office: 223 14 St NW Calgary AB T2N 1Z6
Compliance Officer: Gord Appel 403-714-4663, gord.appel@axiommortgage.ca
Broker of Record: Gord Ross 403-830-7900