By Julia Leblanc
Looking to purchase a new house but struggle to look for sustainable loans? If so, then this list of the best mortgage brokers in Calgary can surely help you out!
Aside from a list of mortgage brokers, we’ve also written information about how you can choose a suitable broker and answered some frequently asked questions. First, let’s talk about how much it would cost you to hire a mortgage broker.
How Much Do Mortgages Brokers Cost in Calgary
Mortgage brokers offer their services to home buyers for free. Of course, they still get paid, but it would be the lender’s responsibility to pay them with a reasonable commission.
Your mortgage broker usually gets about 0.5%–1.2% of the total mortgage amount as commission.
The Best Calgary Mortgage Brokers
Here’s a list of the best mortgage brokerages in town with their respective best brokers. And don’t worry about credibility because we’ve checked each of these brokerages’ licenses.
1. Josh Tagg – Mortgages for Less
|SERVICES||New purchase, refinancing and equity takeouts, mortgage transfer, mortgage renewal|
|ADDRESS||223, 14th Street NW Calgary, AB T2N 1Z6|
|CONTACT DETAILS||(403) 241-3255 | [email protected]|
|OPERATING HOURS||Monday – Saturday: 9:00 AM – 9:00 PM|
Mortgages for Less prides itself in providing mortgage products to all types of Calgarians, including self-employed ones and first-time buyers. This mortgage firm also offers multi-component mortgages and variable-rate mortgages.
It has access to mortgages with rates as low as 1.74% and downpayments as low as 5%, all thanks to its connection with various trusts and banks.
All of these are made possible by Josh Tagg, a true born-and-raised Calgarian mortgage broker, and his team of mortgage brokers.
Josh takes pride in his commitment to customer service. He delivers client satisfaction by catering to its clients even on weekends and late nights. Additionally, Mortgage for Less’s even does mortgage quotes and credit analyses for free.
To avail of mortgages through Mortgages for Less, homebuyers need only fill out online application forms, specify their desired rates and terms, and provide needed documents for verification.
And you should know, Mortgages for Less’s online forms are secure and won’t require you to input your SIN and other relatively confidential information.
Aside from its appealing rates, Mortgages for Less is also praised for its quality of customer service. Here are some customer reviews to tell you more:
“Not a single bad thing to say about Josh and Dan at Mortgages for Less. They were in touch with me every step of the way, explained things clearly in plain language, and were super responsive to every question I had, with answers to my emails coming in just minutes later every time. I even made a big change midway through the process of switching my mortgage and they didn’t even bat an eye, they just carried on and got er done. These guys are slick. Fantastic service, don’t see a reason to ever ask anyone else for mortgage advice again, I know these guys have my back”—Ben Matthews
“Buying our first home was incredibly stressful. We had to face a lot of challenges a person can imagine. . Josh went out his way to make it happen, making sure that we got the best solution especially meeting the time lines to buy our dream home. Josh was very professional, extremely thorough and responsive from the beginning to the end. We are very grateful and highly recommend his services to anyone.”—Anusha Fernando
2. Jencor Mortgage – Croft Axsen
|SERVICES||New purchase, refinancing and equity takeouts, mortgage transfer, mortgage renewal, construction loans, commercial loans|
|ADDRESS||1822 10 Ave SW #305, Calgary, AB T3C 0J8|
|CONTACT DETAILS||(403) 245-3636 | [email protected]|
|OPERATING HOURS||Monday – Thursday: 8:30 AM – 5:00 PM |
Friday: 8:30 AM – 4:30 PM
Jencor Mortgage is a multi-awarded mortgage brokerage firm that has been around since 1987. Since then, this mortgage firm has helped the approval of a total of $13 billion mortgages.
It can cater to lots of home buyers at a time because Jencor Mortgage has over 44 mortgage brokers. Such a large team is led by Judy Benteau and mortgage broker, Croft Axsen.
Additionally, Jencor Mortgage has an abundant connection with banks, private lenders, and other financiers. As such, it can provide fixed-rate mortgages as low as 1.74% and variable-rate mortgages as low as 1.2%.
Because of its widespread partnership with various lenders, Jencor Mortgage is able to provide residential, commercial, and construction mortgages alike.
With its long-time experience in the industry, Jencor Mortgage even has connections with reputable realtors. Thus, it can truly help you with all aspects of your home purchase process.
Jencor Mortgage also has easy-to-use online calculators. On top of that, it has secure online forms for easy application and mortgage checklists.
Just know that Jencor Mortgage is run by a bigger national company, Dominion Lending Centres. So, your information will also be available to this national mortgage brokerage firm.
Here are some customer reviews to give you more information about Jencor Mortgage Corporation:
“I had the pleasure of working Croft as well as Karen. They were awesome to work with. I am a first time home buyer and I am very new to the process. They took everything I wanted into consideration in finding the lender for my new mortgage. I would have nothing but recommendations if you are looking for someone one to help you with your next mortgage!”—Megan MacInnis
“I can’t stress how amazing the team at Jencor are. They went above and beyond for me and my family. Garth and Croft were able to help me close my real estate deal with very short notice and secured me a favorable rate. Well taken care of. Couldn’t be happier. You are in great hands at Jencor!”—Sean Lyons
3. DreamHouse Mortgage
|SERVICES||New purchase, refinancing, mortgage transfer, mortgage renewal|
|ADDRESS||32 Westwinds Crescent NE #130, Calgary, AB T3J 5L3|
|CONTACT DETAILS||(403) 966-6072 | [email protected]|
|OPERATING HOURS||Monday – Sunday: 7:00 AM – 11:00 PM|
This next mortgage broker offers mortgages for those looking for any type of loan for any type of residential estate. With access to over 12 lenders in Canada, DreamHouse Mortgages can indeed offer you the house of your dreams.
These connections also allow DreamHouse Mortgages to offer fixed-rate loans at 2.95% for 10-year terms and 1.55% on variable-rate loans.
Additionally, this mortgage brokerage offers debt consolidation and credit improvement services to help self-employed, first-time buyers, and recently-migrated individuals.
Another unique thing we found about DreamHouse Mortgages is that it has the best mortgage brokers in Calgary offering mortgage portability. So, those who are likely to move during their mortgage term can still land properties with DreamHouse Mortgages’ help.
To make all of these services accessible, DreamHouse Mortgages has over 31 mortgage brokers catering to Calgarians. These brokers also work around the clock, making themselves available every day for extended hours.
However, just know that this large team divides its attention among its Manitoba, Alberta, and British Columbia customers.
Customers from all walks of life and all types of mortgage needs have praised DreamHouse Calgary alike. Here are some reviews to tell you more:
“Dreamhouse mortgage is the best mortgage broker in Calgary I highly recommend them my credit need’ed work he helped me buy my grandma’s house that was my dream of owning to keep it in the family . I thank Dreamhouse mortgage for making my dream come true. Again thank you Guriqbal for everything you are one good guy”—Tammy Schlundt
“I cannot say enough about the goodness of this agency in terms of their service. There was this guy who did everything for me for getting a suitable home equity loan in Calgary. In other words, they acted as my crutch throughout the whole process. In the end, I got my loan with negligible hassle and I could rate them the best broker service providers in the city.”—Kathlin Smith
4. Mortgage Connection – Josh Higgelke
|SERVICES||New purchase, home equity loans, refinancing, investment & vacation properties, home & auto insurance|
|ADDRESS||110 1121 Centre Street NW, Calgary, AB|
|CONTACT DETAILS||(587) 316-2381 | [email protected]|
|OPERATING HOURS||Monday – Friday: 8:00 AM – 5:00 PM|
Mortgage Connection is yet another mortgage brokerage firm recognized not only in Alberta but also in Ontario and British Columbia.
This firm has over 30 brokers led by Robby Aurora, Joe Jacobs, and broker of record, Josh Higgelke. Despite being a large firm with all-competent mortgage brokers, Mortgage Connection still allows its clients to choose their preferred broker.
While it doesn’t have online application forms, Mortgage Connection does have its very own mobile application.
In its app, you can calculate loan necessities, compare your options simultaneously, and view summary reports. All of these tasks are available in five languages, namely English, Spanish, French, Hindi, and Chinese.
Since it has connections with banks and private lenders alike, Mortgage Connection has the best brokers in Calgary for residential, commercial, and construction mortgages.
When it comes to residential mortgages, Mortgage Connection can help with all types of loans, from new purchases to refinancing. Besides, this firm also helps those who need home and auto insurance services.
With years of experience on its sleeves, Mortgage Connection has gained more than a thousand positive reviews from its clients. Here are just some of those reviews:
“I had the pleasure of dealing with Robby. He did an exceptional job looking after us during the refinancing of our home. He not only let us know what to expect each stage of the way, him and his team did an amazing job at finding us a better rate. It didn’t stop there, he kept us in mind so when the rates dropped a few months later, he seamlessly transferred our rate to the lower rate, saving us a big amount on our monthly payments. My wife and I both strongly recommend Robby and his team.”—Rohan Sethi
“Josh Higgelke is amazing! He is passionate about what he does and his experience and knowledge are invaluable. We had the pleasure of working with Josh twice, once on securing a mortgage and then during the renewal process. Both times Josh was attentive and took the time to help us understand the process and ins and outs of each offer. If you are looking for a top notch broker Josh is the guy for you! We would recommend him to anyone looking for a mortgage broker.”—Dan Pye
5. The Mortgage Group
|SERVICES||New purchase, second home/vacation home mortgage, reverse mortgage, LOC and home equity|
|ADDRESS||100, 209 – 19 Street N.W, Calgary, AB, T2N 2H9|
|CONTACT DETAILS||(403) 571 – 8142 | [email protected]|
|OPERATING HOURS||Monday – Friday: 9:00 AM – 5:00 PM|
If you want the best mortgage brokers in Calgary to help you with any type of real estate, then The Mortgage Group may be what you need.
Under the leadership of Mike Boyle, The Mortgage Groups’ brokers aim to provide personal and attentive services and build long-standing relationships with their clients.
When it comes to mortgages, it does everything from mortgage pre-approval to reverse mortgage and home equity line of credit loans. These mortgage products and services are available for everyone, even self-employed and newly-moved individuals.
While The Mortgage Group doesn’t have commercial or construction mortgages, it still offers mortgage products to business owners. Additionally, it caters to landlords and other investors looking to acquire rental buildings and other income properties.
The Mortgage group also helps Calgarians acquire vacation homes and secondary homes. It even takes pride in helping clients seal the deal with as little as 5% downpayment.
To acquire all these services, potential clients need only answer its online application forms. Then, The Mortgage Group assigns one of its nine mortgage brokers to help you throughout the application process and home buying transaction.
Because of the personal and long-lasting relationships that The Mortgage Group’s brokers form with their clients, most of its reviews cite its excellent customer service as its best quality. Read these reviews to learn more about The Mortgage Group:
“I have been using the Mortgage group lending services for more than 10 years. Shelly and Mike have been very resourceful, professional, helpful and l was able to meet a very tight closing date deadline. I highly recommend
the Mortgage group!”—Linda Echikh
“We highly recommend The Mortgage Group to anyone looking to applying for a mortgage. We had an amazing experience with Mike and Shelly, they provided exceptional service and went above and beyond in helping us secure a second mortgage so we could build our dream home. Their service was always prompt and professional, they were extremely patient and worked through various scenarios with us so we could find the option which was most comfortable for us. Highly recommend to anyone looking for a mortgage whether it be your first, second or or just looking for a renewal. It was a pleasure working with you both! Many thanks.”—Cristina & Franco Argento-Sirianni
6. True North Mortgage – Josephine Ng
|SERVICES||New purchase, mortgage renewal, mortgage transfer, refinancing|
|ADDRESS||311 6 Ave SW # 242 Calgary, Alberta|
|CONTACT DETAILS||(403) 248-6699 | [email protected]|
|OPERATING HOURS||Monday – Friday: 8:00 AM – 6:00 PM|
True North Mortgage offers among the best mortgage rates in Calgary, reaching as low as 1.09% for a variable 5-year mortgage plan. It makes such low rates possible because of its wide connections and partnerships with various banks and private lenders nationwide.
With many lender connections, True North Mortgage offers fixed-rate and variable-rate mortgage plans alike. We also appreciate how the mortgage firm’s website features a history of Albertan mortgage rates, thus helping its to-be clients decide which type of loan to get.
And as an assurance to its low mortgage rates, True North Mortgage also guarantees to beat any other brokerage firm’s offer. Should it be unable to match its competitors’ rates, this mortgage brokerage firm will give its clients $500.
Aside from making mortgages accessible, True North Mortgage also makes its services readily available in three languages, namely English, Cantonese, and Mandarin.
Unfortunately, True North Mortgage Calgary has a relatively small team and is closed on weekends. Luckily, this brokerage firm also has mobile mortgage brokers who can come to your location anytime.
Additionally, its online mortgage application forms are available anytime. So, you can fill them out on weekends and then visit any of its three locations on weekdays.
Here are some customer reviews to manage your expectations should you choose True North Calgary’s best mortgage brokers:
“What wonderful staff – kind, polite, professional, fast and efficient. I had the absolute pleasure of dealing with Josephine Ng, who went out of her way to help and explain all my options. I was utterly impressed to be treated with so much respect by a financial expert – a far different story compared to the treatment I got from my own bank, where I had been a customer for 40 years. Ironically, despite her best efforts, I couldn’t go with True North Mortgage, because my bank had me so tied up in red tape it wasn’t worth paying the penalties and dealing with the obstacles they put in my way. BUT I will use True North Mortgage in the future, and highly recommend them. A terrific find.”— Clive Jackson
“When my wife I were searching for our first home mortgage renewal, I found Rohit Sachdeva as our mortgage broker. He got us a great rate and he made the process very smooth being constant available by phone and email. Now, one year later, we’ve decided to buy our second home and, once again, I contacted Rohit to help with the process of acquiring another mortgage. Rohit provided fantastic advices and worked relentlessly with our lawyer and our builder to help us close our mortgage with the best rate on the market. If you need a Broker then you got it. You won’t be disappointed.”—Giuseppi Blandizzi
7. MMG Mortgages – Jacki Harris and Heather Manna
|SERVICES||New purchase, refinancing, mortgage renewal and transfers, home equity|
|ADDRESS||#8, 1922 – 9 Ave SE|
|CONTACT DETAILS||(587) 617-5818 | [email protected]|
|OPERATING HOURS||Monday – Friday: 9:00 AM – 5:00 PM|
MMG Mortgages is yet another award-winning mortgage brokerage firm you can approach for just about any real estate need. This firm offers mortgage products for residential, commercial, construction, and even acreage purchases.
Additionally, MMG Mortgages allows its clients to get loans for second homes, vacation homes, and even for homes you plan on flipping or renovating. It makes all these mortgages possible because it has connections with banks as well as with private lenders.
While it does help its clients get their mortgage applications approved, MMG Mortgages may not always provide the lowest mortgage rates.
We also like that MMG Mortgages’s large team has mortgage brokers as well as underwriters. So, this brokerage firm has experts working on each necessary step for your real estate purchase.
MMG Mortgages also makes home & auto insurance plans more accessible, thanks to its connections with insurance brokerages and providers throughout the country.
Aside from connections, MMG Mortgages is also in an abundance of licensed mortgage brokers, all of which are led by Jacki Harris and Heather Manna. This can thus help it cater to more clients despite having relatively constrained schedules.
Responsiveness and professionalism are just some of the qualities customers liked the most about MMG Mortgages. Here are some reviews that have said so:
“I was referred to Jacki through a friend and while I had filled out an application with the bank I had my previous mortgage at, I reached out to Jacki looking for a quicker response as I was pursuing a house requiring a fast close. Jacki responded quickly and between her and her team, they took care of securing the mortgage in the time I needed it. I found Jacki to be professional, easy to talk to and understand. It was a refreshing experience. Thanks Jacki!”—Chase Babuik
“Heather and the team at MMG were incredible! As a first time home buyer I was shown endless patience and respect. They always responded quickly, were happy to help, and I believe secured a very competitive interest rate on my mortgage. Can’t say enough positive things – thank you!”—Natalie Forcier
8. Abbas Hamzeh
|SERVICES||New purchase, mortgage renewal and switch, refinancing, commercial mortgages, construction mortgages|
|ADDRESS||2231 Longridge Dr SW, Calgary, AB T3E 5N5|
|CONTACT DETAILS||(403) 630-6796 | [email protected]|
|OPERATING HOURS||Monday, Tuesday, Friday: 8:00 AM – 7:00 PM |
Wednesday, Thursday: 8:00 AM – 8:00 PM
Saturday: 10:00 AM – 3:00 PM
Abbas Hamzeh may be a one-man team, but this mortgage broker is open for all types of real estate investment.
It has mortgage products for residential homes, commercial and land development projects, and investment properties alike.
For residential mortgages, Abbas Hamzeh accepts those who need new build mortgages, new purchase mortgages, refinancing, and mortgage renewals and switching. It can even secure home loans for self-employed buyers, non-permanent residents, and borrowers above 55 without income.
Abbas also operates under Paragon Mortgages, which is how he also has access to group discounts. He also has access to mortgage products from over 30 lenders, including banks, financial institutions, and private lenders.
Since Abbas Hamzeh works alone, hiring his firm means direct communication with him at all times. His communication channels are via phone, email, and Facebook messenger.
To add to its numerous communication channels, Abbas also has working hours extending as late as 8 PM.
9. Rock Solid Mortgages – Remi Korent
|SERVICES||New purchase, mortgage renewal, mortgage refinancing, construction mortgage, commercial mortgage|
|ADDRESS||235, 6025 – 12 Street SE, Calgary, Alberta T2H 2K1|
|CONTACT DETAILS||(403) 617-9740 | [email protected]|
|OPERATING HOURS||Monday – Sunday: 8:00 AM – 10:00 PM|
Rock Solid Mortgages is yet another solo practice offering all kinds of mortgage products to residential and commercial clients alike. This mortgage brokerage firm is home to Remi Korent, an award-winning mortgage broker.
Before becoming a mortgage broker, Remi spent five years granting approvals and closing mortgage files as a member of mortgage lenders. With this experience, he knows just what to put in your applications to get your mortgage request approved fastly and efficiently.
Remi also takes pride in providing mortgages even to self-employed and first-time buyers.
Despite working fastly to secure loans, Remi still makes sure to be there for his clients even after loan approval. As such, homeowners can still rely on Remi for mortgage refinancing and mortgage renewals.
Do know that Remi of Rock Solid Mortgages caters to people from Calgary and other surrounding towns. So, you may have to compete with lots of potential clients for his services.
Luckily, the best thing about Rock Solid Mortgages is that it’s available almost all the time, whether weekday or weekend or morning or night.
Rock Solid Mortgages has amassed numerous positive reviews from its satisfied clients. Here are some reviews that claim Remi to be the best mortgage broker in Calgary:
“My partner and I purchased our first home together and utilized Remi from Rock Solid Mortgages for guidance and support. He has been extremely supportive, and efficient on our needs since day one. He was available anytime we were, and answered our calls/emails immediately to move processes along. Our realtor recommended Rock Solid Mortgages and we are beyond satisfied with our decision.”—Ashley Cardinell
“Remi was excellent to work with for buying our first home! He was there every step of the way and helped with making sure the entire process went smoothly. Highly recommend his services and would definitely use Rock Solid Mortgages again in a heartbeat- thank you so much for everything, Remi!”—Vicky Hestleton
10. The Mortgage Group – Max Singh
|SERVICES||New purchase, mortgage renewal, mortgage refinancing|
|ADDRESS||2323 32 Ave NE, Calgary, AB T2E 6Z3|
|CONTACT DETAILS||(403) 561-2107 | [email protected]|
|OPERATING HOURS||Monday – Friday: 9:00 AM – 7:00 PM |
Saturday: 10:00 AM – 3:00 PM
The Mortgage Group is also a solo practice run by Calgary mortgage broker, Max Singh. Max offers fixed-rate, variable-rate, open, and line-of-credit mortgages to his clients.
Max saves his clients’ time by narrowing down the list of lenders that can cater to your situation. Then, he’ll proceed to negotiate with the lenders, making sure you get the best rates and terms for your mortgage.
Another great thing about Max is that he also claims to continue to shop for other mortgage products even after approval, thus making sure his clients truly get the best mortgages.
More importantly, Max offers customized mortgage plans, making your loans line up with your long-term financial goals. To arrive with such customized plans, Max provides free consultations.
However, you should know that Max’s new purchase loans, mortgage renewals, and mortgage refinancing services are available only for clients interested in residential properties.
Here are some reviews that praise Max and The Mortgage Group team for just about any type of mortgage service:
“Max made my first home purchase so easy. He was very knowledgeable and walked me through the process in a way that I could relate to and understand easily. He described in detail the documents that I needed and, followed up with me and ensured that all deadlines were met with ease. If you are looking for an expert to guide you towards your real-estate goals, Max is your guy!”—Ian Watson
“Mortgage Max supported me, as a first-time home buyer. Max gave me loads of his time straight away, to address all of my (many) questions and concerns. I was able to proceed with confidence, despite my inexperience thanks to Max’s knowledge and experience. He’s extremely talented where the technical aspects of his work come into play, but he’s always personable, available and he has a great sense of humour. Max is chock full of solid advice too, ranging from market trends, lending, agents, and it doesn’t even matter which city you’re in. I communicated remotely from Vancouver and Max didn’t miss a beat. He’s a consummate professional, all the way. My experience in buying my first home was awesome and I owe Max credit for that.”—Laura Gillespie
11. Canadian Mortgage Professionals – Bob Reader
|SERVICES||New purchase, mortgage refinancing, mortgage renewal, reverse mortgage, construction mortgages|
|ADDRESS||2719 Centre St NW, Calgary, AB T2E 2V5|
|CONTACT DETAILS||(877) 676-4496 / (403) 509-2434 / (403) 509-2433 (fax) | [email protected]|
|OPERATING HOURS||Monday – Friday: 9:00 AM – 9:00 PM |
Saturday: 10:00 AM – 12:00 PM
Since 1989, Canadian Mortgage Professionals has been helping Calgarians—and even non-permanent residents—secure financial loans for their homes. It offers new purchase mortgages, mortgage refinancing, mortgage renewals, and reverse mortgages.
And because it has experts in debt consolidation, credit analysis, and banking, Canadian Mortgage Professionals can also help its clients with poor credit.
Aside from residential homes, Canadian Mortgage Professionals can also secure loans for investment properties. Additionally, this mortgage brokerage firm offers mortgages for renovations and residential constructions.
Those who can’t find their desired homes in the market can also rely on Canadian Mortgage for progress draw or construction mortgages.
Through the years, it has built strong relationships with multiple lenders. As a result, Canadian Mortgage Professionals can offer fixed-rate mortgages as low as 1.84% and variable-rate mortgages as low as 1.20%.
It also has convenient and secure online forms to get your application going. However, unlike its competitors, Canadian Mortgage Professionals requires you to input your social insurance number in its online application forms.
Here are just some 5-star reviews to tell you more about which mortgage brokers from Canadian Mortgage Professionals you can trust:
“Bob and his team are exceptional. We’ve worked directly with Bob and Jackie, and both are very personable and take the time to explain everything. We never once felt like we had overstayed or were asking too many questions. Since our first mortgage, we’ve had them look after 2 subsequent renewals, and every time they are willing to go through the paperwork step by step with us, to ensure we understand what we are signing and we are comfortable with it. We’ve always been happy with the results.”—Derek Pryzner
“We’ve worked with Bob and Jackie over the years on multiple occasions. We’ve been treated with nothing but the utmost respect and fabulous customer service. Both Bob, Jackie and I’m sure the entire team are extremely personable, professional and hard working and they do their best to ensure their customers have the information they need to make the most informed decisions. You are treated like family by these guys and that means a lot.”—Donna Gray
12. Shelby Dawson Kohls
|SERVICES||New purchase, mortgage renewal, mortgage refinancing|
|ADDRESS||#3 1010 1 Ave Northeast, Calgary, Alberta Canada T2E 8K4|
|CONTACT DETAILS||(403) 605-5714 | [email protected]|
|OPERATING HOURS||Monday – Friday: 9:00 AM – 9:00 PM|
Shelby Dawson Kohls is a mortgage broker with almost a decade of experience in finance and real estate.
As a member of The Windrose Group of Mortgage Alliance, she has solid connections with major banks, private mortgage lenders, trust companies, and real estate investors. All in all, Shelby has connections with over 60 lenders, thus giving her clients access even to the best non-posted mortgage rates.
With many mortgage products up her sleeve, Shelby can cater to those looking for new mortgages, mortgage renewal, and mortgage refinancing services alike.
Additionally, her expertise allows her to help even self-employed and first-time homebuyers make the appropriate choices.
Anyone who can benefit from Shelby’s services can simply fill out her online application forms. It’s also worth noting that this broker’s online forms come in three forms—full application, EZ application, and short application—and in English and French.
Another thing that we appreciate about Shelby Dawson Kohls is that she is available as late as 9 PM every weekday. That said, she still is unavailable on weekends.
Here are just some of Shelby’s positive reviews to tell you what else makes her among the best Calgary mortgage brokers:
“Shelby is professional and knows her stuff! I regularly introduce people I care about to Shelby and she is great at being able to quickly and effectively guide them on their mortgage needs. Highly recommend.”—Randy Sidhu
“Shelby is truly amazing! Patient, transparent and so great to work with. She truly is in it for the best interests of her clients even after the transaction closes. Thank you for all of your hard work and guiding me through! 🖤”—Valerie Richards
13. Jason Ferguson
|SERVICES||New purchase, mortgage renewal, mortgage refinancing, construction mortgage|
|ADDRESS||#501 – 10333 Southport Rd SW Calgary, AB T2W 3X4|
|CONTACT DETAILS||(403) 478-1928 | [email protected]|
Jason Ferguson offers his mortgage expertise to first-time homebuyers, self-employed entrepreneurs, and newly-migrated non-residents alike. Additionally, this mortgage broker also helps with mortgage renewals and home equity line of credit loans.
What we like the most about his services is that he can even gain a cashback mortgage of around 1%–5% of the original mortgage amount. This value can then be used to pay for minor renovations, furniture, and transportation costs.
More importantly, Jason helps his clients find zero out-of-pocket down payments through credit cards, line of credit loans, personal loans, familial gifts, and other valid sources.
And you should know, Jason has also served as a paramedic for 13 years. He can thus handle stressful and highly important life events—such as buying a house—in an efficient and calming manner.
Another great thing Jason may have learned from his previous experiences is the value of fast response. As such, this mortgage broker can cater to your needs 24/7 through its communication channels.
Jason’s mortgage expertise and his quality of customer service are his best qualities, at least that’s what customer reviews like these have shared:
“Jason helped me with my mortgage and I couldn’t have been happier using him and Kardia Mortgage! He explained everything, walked me through the steps and made the whole process stress-free. His underwriter Naomi was amazing to deal with as well! Would highly recommend using Jason to my friends and family! Thanks again!”—Theeresa Hutter
“Jason is incredibly good at what he does. His customer service and professionalism are second to none! I recommended him to anyone looking for a mortgage – whether they are first time home buyers or experienced investors”—Adam Kemble
What Do Mortgage Brokers Do?
Think of your mortgage broker as a salesperson who will be there to help you throughout your home purchase. So, you can rely on them for:
- Shopping for and recommending mortgage products
- Assessing your finances and paying capabilities
- Advising you on mortgage deals
- Preparing your mortgage applications
- Presenting your mortgage applications to lenders
- Negotiating with your mortgage lenders
- Communicating with real estate lawyers, mortgage lenders, and other authorities
Factors to Consider When Choosing a Mortgage Broker
1. Types of loans
There are generally two types of loans, fixed-rate mortgage and varying-rate mortgage.
A fixed-rate mortgage means that you’ll pay a fixed amount every month until the end of your mortgage term. This can be good for those who are settling for their long-term homes.
On the other hand, a variable-rate mortgage is where you get to pay a rate lower than the current market rate for some time. After such time, your mortgage rate will then change according to the market.
So, if the market increases, your monthly mortgage payments will also increase. Luckily, there are limits to how much your mortgage rate can change, so as to avoid excessive increase or decrease.
Ask your mortgage broker about the market trends, so you can make a wise decision on which loan to get.
2. Lender network and partnerships
The more lenders they have, the more choices you have for mortgage products. And with more choices, you can be more certain that you have access to the best mortgage rates and terms.
Next, make sure your mortgage broker is indeed licensed under RECA. But don’t worry, because we made sure all brokerages in our list have licensed brokers!
Reputation is also a factor to consider, especially since your broker will have access to confidential information such as your salary and insurance number. Customer reviews can tell you just how trustworthy and accommodating a broker can be.
5. Responsiveness and availability
Lastly, you should consider a mortgage broker’s responsiveness. It would also help if you agree with their main mode of communication.
Additionally, if you have a tight schedule, consider a mortgage broker with flexible or extended working hours so you can discuss your loan without rushing.
FAQs about Mortgage Brokers
We hope this complete guide to finding the best mortgage brokers in Calgary can help you get sustainable financial loans for your dream home. Just be honest with your real estate needs and financial capabilities, and your mortgage broker will help you out.
Know any other mortgage brokers who deserve to be here? If so, please send us their names so we can review, and hopefully add them here!
If you’re thinking of building your own home rather than just buying one, maybe you can also benefit from our list of the best builders in Calgary. With their design and quotations and your broker’s mortgage deals, you’ll be a step closer to the home of your dream!