Mortgage Advice You Can Trust

With your expert guide in Alberta and British Columbia

Buying Your First HomePre-Approval and Beyond
Young Family in Front of a House

Navigate Your Mortgage with Ease

Purchasing a home is a huge milestone—and one of the most significant financial investments most Canadians will make. But more than an exciting purchase, a home shapes your future. That’s why you need expert guidance to help you navigate the complex process and find the perfect property.

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Buying Your First Home

As a first-time homebuyer, navigating the world of tax incentives and rebates can be overwhelming, but a mortgage broker can make all the difference. Programs like the First-Time Home Buyer Incentive, the Home Buyers’ Plan (HBP), and tax credits are designed to ease the financial load. 

Save Money With a Mortgage Expert

With professional support from Jason, you can:

  • Unlock All Eligible Rebates: Identify which incentives apply to your purchase, like tax credits and land transfer rebates.
  • Maximize Savings: Strategize down payments and amortization periods to minimize costs.
  • Avoid Pitfalls: Gain clear guidance on program requirements, so you don’t miss out on key benefits.

Buying your first home is a big financial commitment, but with expert advice, you can save money and take advantage of every incentive available to you.

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Handshake Deal

Why Work With a Mortgage Expert?

Navigating the home-buying process can be challenging. Sure, Canadian insurers such as CMHC, Sagen, and Canada Guaranty offer guides for first-time buyers, but true value comes from personalized, professional support. With a dedicated mortgage broker by your side, you can:

  • Gain a clear understanding of your financing options
  • Avoid costly mistakes or unexpected fees
  • Maximize first-time buyer rebates and programs
  • Select the ideal mortgage plan tailored to your needs

Where Are You Buying?

Surrey

Vancouver & Lower Mainland

Vancouver & Lower Mainland

Calgary Skyline

Calgary

Alberta

Alberta

What is Mortgage Insurance?

The Canada Mortgage and Housing Corporation (CMHC), Sagen, and Canada Guaranty provide mortgage insurance, helping Canadians buy homes with smaller down payments. In Canada, mortgage default insurance is a government requirement for anyone purchasing a home with less than 20% down. By reducing the lender’s risk, mortgage insurance helps new buyers enter the housing market sooner, even if they haven’t saved a large deposit.

Young Family Looking at Condos

What Can You Afford?

When you’re ready to buy a home, a well-laid financial plan is essential. Before the keys change hands, you’ll need more than just a pre-approval. With a professional mortgage consultation, you’ll gain a full picture of the costs and obligations involved, so you can budget effectively.

Key financial considerations:

  • Mortgage payments: Monthly payments are the foundation, but there’s more.
  • Additional Costs: Property taxes, closing costs, land transfer tax, home inspections, legal fees.
  • Down Payments: While 20% down is ideal, many options are available. We’ll help you explore low down payment options, mortgage loan insurance, and any rebates for first-time buyers.
  • Amortization Period: Choose an amortization period of up to 30 years to spread payments over time. Longer periods lower monthly payments but may increase overall interest costs.

Simplifying the Process: 
From Pre-Approval to Closing

The journey from pre-approval to ownership can feel overwhelming. Each lender has unique requirements, and securing the best terms often depends on a mortgage expert’s insights and network. Jason is on top of the latest updates across Alberta and British Columbia to make sure you get the best mortgage possible.

How we simplify your journey:

  • Pre-Approval Support: Ensure you’re ready to make an offer with a thorough understanding of your financial profile.
  • Choosing the Right Lender: With access to a broad network of lenders, we’ll match you with the best fit for your financial goals whether renewing, refinancing, or exploring a reverse mortgage.
  • Decoding Mortgage Jargon: Terms like “amortization,” “debt service ratios,” and “loan-to-value” can be confusing. We’ll break them down in plain language, so you feel confident and informed.
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A couple moving into their new home

Personalized Mortgage Advice—For Every Buyer

With today’s competitive housing market, you deserve tailored advice that puts your needs first. Whether you’re a first-time buyer or an experienced homeowner, Jason will work with you every step of the way to make sure your mortgage aligns with your unique goals and lifestyle.

Jason’s commitment to you:

  • In-Depth Guidance: I’ll walk through every step, from pre-approval to signing, so you’re never left in the dark.
  • Flexible Solutions: I’ll help you navigate current market rates and conditions to find the best fit.
  • Ongoing Support: Beyond securing the mortgage, I’m here to answer questions and support your goals, whether buying or refinancing.

If you are buying a house in Calgary, Vancouver & the Lower Mainland, Surrey, or through Alberta or BC, Jason is here to help you make the most of your money and get the house of your dreams. 

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Jason Humeniuk

Let’s Connect

If you are ready to buy a home, or want to know more about what you can afford, Jason is here to help. Reach out using the form below, or better yet, call Jason now.

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