YOUR MORTGAGE EXPERTS


Choose one of Canada's Top Mortgage Brokers for Your Next Purchase, Refinance or Renewal

Our award winning team has over 35 years combined experience in all aspects of finance, banking, and mortgages for first time home buyers, refinancing and real estate investors.

Like a travel agent who puts together a package for your trip, we can package the perfect mortgage for your needs. Whether you are a first time home buyer, being relocated, refinancing, purchasing a rental property or selling an existing home and buying a new one, our goal is to ensure we find the best mortgage financing solution to suit your needs.

Jen and Cory Your Mortgage Experts in Langley-Surrey-Vancouver

Get Our Award Winning Team of Mortgage Advisors Negotiating on Your Behalf

We specialize in negotiating the best mortgage rates and terms to suit your unique financial situation. We deal directly with each lending institution so that you don’t have to. Our job is to assist you, and make the mortgage process as smooth as possible.
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Mortgage Brokers DLC Titan Award Jen and Cory Your Mortgage Experts

What You Can Expect During the Mortgage Application Process

  • Independent Advice on Your Financial Options.

    As independent mortgage brokers and mortgage agents, we’re not tied to any one lender or range of products. 


    Our goal is to help you successfully finance your home or property. 


    We start by getting to know you and your homeownership goals. From there we make recommendations, drawing from available mortgage products that match your needs, and we will decide together on what’s right for you.

  • Access to Special Deals and Add-Ons.

    Many financial institutions would love to have you as a client, which is why they offer incentives to attract creditworthy customers. 


    These can include retail points programs, discounts on appliances, shopping clubs, and more. 


    We do the math on which offers might be worth your attention when it comes to financing or mortgage insurance so you can take full advantage of all  the perks available to you.

  • Home Financing Options Tailored to Your Needs

    We have access to a network of major public and private lenders in Canada. With our mortgage team your options are very extensive. 


    In addition to traditional lenders, we also know what is being offered by credit unions, trust companies and private lenders the general public may not have access to. 


    We also help you take care of other requirements before your closing date such as sourcing mortgage default insurance if your down payment is less than 20% of the purchase price.


    You can expect a superior service unlike anything a bank can offer you when you have us work with you on your home ownership goals.

  • The Best Mortgage Rates and Terms

    Even if you’ve already been pre-approved for a mortgage by your bank or another financial institution, you’re not obliged to stop shopping! 


    We will continue to investigate and lender shop on your behalf to see if there is an alternative to better suit your needs.


    Many people get stuck on rates, rates, and more rates. But sometimes rates are not all that matters. 


    We take the whole picture of your financial situation and future long term financial and investment goals into account when presenting you with the many lending options available.




  • Professional Mortgage Negotiators Working on Your Behalf

    Many people are uncertain or uncomfortable negotiating their mortgage directly with their bank. 


    If you are of the belief your bank will automatically give you the best possible mortgage rate or terms based on your financial situation, we can almost guarantee you there is a better option or a lender who is willing to compete for your business.


    We negotiate mortgages with lenders each and every day on behalf of Canadian homebuyers, real estate investors, high net worth individuals and people who would just rather have us roll up the sleeves and do the negotiating for them. 


    You can count on our market knowledge, 25 years combined experience and connections to lenders to secure competitive rates and terms that benefit you the most in the long run.


    If you are concerned about negotiating with your bank or have any questions about the mortgage application process contact us and get an unbiased and honest look at your financial situation from a team that has your best interests at heart.

  • Highly Specialized Advice on Mortgages and Refinancing

    You need to find a mortgage or refinance an existing one, but you have questions.


    • Where do I start?


    • Which lender best fits my needs?


    • Which lender can offer me the best value?


    • Are there really differences between mortgages?


    • Which features are best for me?


    We have experience working with banks and other lenders. We can help you to understand the benefits of the various rate options, the various types of mortgage terms and help you to decide which one might be right for you.

  • One Stop Mortgage Shopping

    Finding a mortgage or refinance solution that’s right for you can take hours, even days or weeks. 


    Whether its your first home or your hundreth home the amount of time it takes to negotiate with lenders and put custom mortgage packages together can be better spent getting ready for your new home.


    As your mortgage brokers we do most of the leg work for you. We research mortgage financing and lender options, process the application and document requirements and negotiate with lenders on your behalf.


    We work directly with dozens of lenders and can quickly narrow down a list of those that suit you the best. 


    We make comparison shopping fast, easy and convenient by bringing a broad range of customized mortgage solutions for you to choose from.


  • Personalized and On Going Support and Consultation.

    As your personal mortgage brokers we work with you through every step of the purchase or refinance process. 

    Right from the mortgage pre-approval we walk you through the application process and help you to understand your financing options and answer your questions.


    Even once your mortgage is signed and paperwork is complete, we are here if you need any advice on closing details or even future referral needs. 


    As your mortgage advisors we keep you informed and we're here to be of assistance when you need it.


    We pride ourselves on providing superior service and developing lasting relationships with all of our clients.



Mortgage Services

  • FIRST TIME HOME BUYER

    Are you getting ready to purchase your first home? 


    Buying your first home or investment property is an exciting time that you should be able to enjoy without having to worry about over paying for your home in interest rates or mortgage terms that aren't best suited to your long range investment or  financial goals.


    Dealing with the bank in a traditional way by going in and speaking with their mortgage advisors and assuming they are going to give you the best interest rates or terms can in many cases cost 10's of thousands of dollars  on your mortgage.


    Using our mortgage calculator you can see how quickly the savings add up when you get a preferred interest rate or better terms.


    We work with you personally throughout the mortgage application process to make sure you get the right home financing options that meet your needs and give you a number of home financing options to choose from.


    Let us do the work for you so you can enjoy the process of buying your first home!

  • MORTGAGE REFINANCING

    Is your mortgage coming up for renewal? 


    Do you need to pull equity out of your home for a remodel, large purchase, vacation, or to condolidate debt?


    Are you shopping around for the best mortgage terms on your own?


    If you're not happy with the current terms of your mortgage and you're in the market to refinance, you could be saving tens and in some cases hundreds of thousands of dollars in payments by having our team assess your current mortgage terms and present you with lenders that will offer a customized mortgage to suit your needs.


    We make sure to match you with lenders that have the loan products you need and can get you the best mortgage rates and terms available for your situation.



  • INVESTMENT MORTGAGES

    Are you thinking of investing in real estate?


    Are you already a real estate investor and not sure if you're getting the best mortgage rates and terms?


    Investment Mortgages can be tricky as there is more checks and balances to walk through and paperwork to navigate.


    If you're already investing in real estate or have been mortgage rate shopping for awhile you know how this process can go and that you need the right mortgage brokers with the experience and connections to make the financing portion of your investment goals go smoothly.


    Many of our clients are real estate investors and multiple home owners. After consultation and evaluation of your current real estate portfolio we  guide you to the right lenders and walk you through the pitfalls of qualifying for another investment property.


    We're here to see you get approved for your financing and succeed in your investment goals. 


    We didn't get to the top 2% of mortgage brokers across Canada without a large majority of our clients having a healthy real estate investment portfolio. 


    Take advantage of our combined 25 years experience negotiating financing for real estate investors, call us today!

  • RESIDENTIAL & COMMERCIAL MORTGAGES

    Often times residential financing can only take you so far, the next step in developing a real estate portfolio is working with a commercial lender. 


    Whether a residential or commercial mortgage when you're negotiating with the traditional charter banks on your own you're left limited to the lending products of that particular banking institution. 


    Unlike your banks mortgage advisor we have the flexibility, relationships and experience to bring you a wide variety of lending options properly suited to your situation. We are not bound by the confines of pre-defined mortgage terms and rates.


    If you're not familiar with how commercial mortgages are structured and the many advantages and benefits they can bring give us a call, we can answer any questions you may have and walk you through the mortgage application process. 


    We are the mortgage financing partners you need to get to the the next level in building your real estate portfolio and saving money while you do it.


  • BOUTIQUE LENDING OPTIONS

    As mortgage experts who specialize in working with investor clients, we have been able to develop relationships with lenders who understand the dynamics of mortgages for investment purposes as well as your typical residential mortgage financing. 



  • HIGH EQUITY INVESTOR MORTGAGES

    Do you have a lot of equity built up in your property or portfolio but have an uneasy feeling about getting your next mortgage from a bank? 


    You should. In most cases the bank has one thing they are beholden to and that is maximize profits at any cost including the cost to you in the long run by not getting the best mortgage rates and terms available given you situation.


    We have a high performing and solid client portfolio of High Equity Investors who need specialized finanical advice and mortgage options.


    We specialize in offering boutique mortgage and lending products for high net worth individuals. 


    Even if you've already been to the bank or another lender it doesn't mean you can't continue to shop around, or better yet call us and have us do the shopping for you and customize a plan that works for your financial benefit not the banks.

  • DEBT COVERAGE RATIO

    Let’s be honest, most bankers working for your typical bank have no idea what a debt coverage ratio is, let alone how to use it towards qualifying for a mortgage. If you are thinking about buying your first or hundredth property, we can help you with the next step.

  • MORTGAGE DOCUMENTATION

    Qualifying for a mortgage has become more complicated as the years have gone by.


    Having proper and organized documentation that the lenders we match you with will require is key to getting not only approved for your financing but also for getting the best mortgage rates and terms available.


    As part of working with our team we walk you through the mortgage doumentation process, make sure you understand everything required of you and submit this to the lenders on your behalf.


    We make sure that the t's are crossed and the i's are dotted on your paperwork and that you have everything you need to get the best home financing options available to you.


    When you work with us for your mortgage financing you don't have to worry about missing a last minute form, forgetting to submit documents before closing or getting caught up in unforseen red tape.


    We have over 25 years combined experience in guiding our clients through the mortgage application process and heading off any potential pitfalls and road blocks to you securing your home financing before they come up.


    If you're unsure what type of documentation you may need or how the application process works give us call and we can answer any questions you may have, or check out our mortgage resources section where you will find topics related to mortgage documents and general terms you will hear throughout the mortgage application process.

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MORTGAGE TOOLBOX

AWARDS & REVIEWS

Your Elite Mortgage Experts in Langley-Surrey-Vancouver-Jen and Cory

When you're dealing with major financial decisions like buying your first home, refinancing your mortgage or investing in a rental property you need the best mortgage brokers in Canada working for you.

We're strong believers in getting back what you put out there. We have built our business around referrals. We don't advertise. Putting our clients first, working hard on your behalf and getting you the best mortgage terms available has kept us in the top 2% of all mortgage brokers in Canada.

What Our Clients are Saying

Jen & Cory Your Mortgage Experts Master Award Winners 2019
Your Mortgage Experts in Langley Jen and Cory Diamond Award Winning M
Jen & Cory Platinum Award Winning Mortgage Brokers in the Lower Mainland BC
Top 50 in Mortgages Funded Monthly 2019 Jen and Cory Your Mortgage Experts in Surrey

Top 2% of all Dominion Lending Centre Mortgage Brokers across Canada.

Cory Larking Top 75 Mortgage Brokers in All of Canada-Canadian Mortgage Professional
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Your Mortgage Advisors


JEN
REIFFER

(604) 319-3779

Jen Reiffer has been a licensed mortgage broker since 2003 and is a member of Mortgage Professionals Canada as well as the Mortgage Brokers Association of BC (MBABC).

Jen prides herself on the fact that 100% of her business comes from referrals, and her past clients will attest to the outstanding service she provides throughout the mortgage process and after completion.



Her work doesn’t end when the home purchase completes! Staying on top of mortgage rate changes, updates in the market, and keeping her clients informed of anything that can impact their financial investment are some of the many ways Jen goes out of her way for her clients.


Buying or refinancing a home is one of the biggest investments in your life, and as your trusted Mortgage Advisor, Jen is pleased that she may share this experience with you.

So when you decide to buy a new home, refinance, or renovate an existing home, call Jen so that you may benefit from her vast knowledge and outstanding service!

CALL JEN

CORY
LARKIN

(604) 309-2924

Cory Larkin began his career in the financial services industry over 20 years ago.
Seated in the top 2% of all DLC mortgage brokers across Canada Cory understands how mortgage lenders view portfolios and has gained valuable experience in mortgage lending and underwriting.

Cory is well equipped to look at your personal situation from both the lender and customer perspective and therefore able to help you find the best product suited for you and your needs.
In the last few years Cory has dedicated much of his attention to real estate investors and helping them to achieve their goals through in-depth mortgage planning keeping the “big picture” in mind.
If you are already investing in real estate or considering building your real estate portfolio Cory has extensive knowledge, the right connections and real world experience in mortgages for high net worth individuals and investors that you need to leverage to your advantage.
CALL CORY

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MORTGAGE INSIGHTS

By Jen & Cory November 20, 2024
Deciding to list your home for sale is a big decision. And while there are many reasons you might want/need to sell, here are 3 questions you should ask yourself; and have answers to, before taking that step. What is my plan to get my property ready for sale? Assessing the value of your home is an important first step. Talking with a real estate professional will help accomplish that. They will be able to tell you what comparable properties in your area have sold for and what you can expect to sell your property for. They will also know specific market conditions and be able to help you put a plan together. But as you’re putting together that plan, here are a few discussion points to work through. A little time/money upfront might increase the final sale price. Declutter and depersonalize Minor repairs A fresh coat of interior/exterior paint New fixtures Hire a home stager or designer Exterior maintenance Professional pictures and/or virtual tour But then again, these are all just considerations; selling real estate isn’t an exact science. Current housing market conditions will shape this conversation. The best plan of action is to find a real estate professional you trust, ask a lot of questions, and listen to their advice. What are the costs associated with selling? Oftentimes it’s the simple math that can betray you. In your head, you do quick calculations; you take what you think your property will sell for and then subtract what you owe on your mortgage; the rest is profit! Well, not so fast. Costs add up when selling a home. Here is a list of costs you’ll want to consider. Real estate commissions (plus tax) Mortgage discharge fees and penalties Lawyer’s fees Utilities and property tax account settlements Hiring movers and/or storage fees Having the exact figures ahead of time allows you to make a better decision. Now, the real wildcard here is the potential mortgage penalty you might pay if you break your existing mortgage. If you need help figuring this number out, get in touch! What is my plan going forward? If you’re already considering selling your home, it would be fair to guess that you have your reasons. But as you move forward, make sure you have a plan that is free of assumptions. If you plan to move from your existing property to another property that you will be purchasing, make sure you have worked through mortgage financing ahead of time. Just because you’ve qualified for a mortgage in the past doesn’t mean you’ll qualify for a mortgage in the future. Depending on when you got your last mortgage, a lot could have changed. You’ll want to know exactly what you can qualify for before you sell your existing property. If you’d like to talk through all your options, connect anytime! It would be a pleasure to work with you and provide you with professional, unbiased advice.
By Jen & Cory November 13, 2024
A no-frills service or product is where non-essential features have been removed from the product or service to keep the price as low as possible. And while keeping costs low at the expense of non-essential features might be okay when choosing something like which grocery store to shop at, which economy car to purchase, or which budget hotel to spend the night, it’s not a good idea when considering which lender to secure mortgage financing. Here’s why. When securing mortgage financing, your goal should be to pay the least amount of money over the term. Your plan should include having provisions for unexpected life changes. Unlike the inconvenience of shopping at a store that doesn’t provide free bags, or driving a car without power windows, or staying at a hotel without any amenities, the so-called “frills” that are stripped away to provide you with the lowest rate mortgage are the very things that could significantly impact your overall cost of borrowing. Depending on the lender, a “no-frills” mortgage rate might be up to 0.20% lower than a fully-featured mortgage. And while this could potentially save you a few hundreds of dollars over a 5-year term, please understand that it could also potentially cost you thousands (if not tens of thousands) of dollars should you need to break your mortgage early. So if you’re considering a “no-frills” mortgage, here are a few of the drawbacks to think through: You'll pay a significantly higher penalty if you need to break your mortgage. You'll have limited pre-payment privileges. Potential limitations if you want to port your mortgage to a different property. You might be limited in your ability to refinance your mortgage (without incurring a considerable penalty). Simply put, a “no-frills” mortgage is an entirely restrictive mortgage that leaves you without any flexibility. There are many reasons you might need to keep your options open. You might need to break your term because of a job loss or marital breakdown, or maybe you decide to take a new job across the country, or you need to buy a property to accommodate your growing family. Life is unpredictable; flexibility matters. So why do banks offer a no-frills mortgage anyway? Well, when you deal with a single bank or financial institution, it’s the banker’s job to make as much money from you as possible, even if that means locking you into a very restrictive mortgage product by offering a rock bottom rate. Banks know that 2 out of 3 people break their mortgage within three years (33 months). However, when you seek the expert advice of an independent mortgage professional, you can expect to see mortgage options from several institutions showcasing mortgage products best suited for your needs. We have your best interest in mind and will help you through the entire process. A mortgage is so much more than just the lowest rate. If you have any questions about this, or if you’d like to discuss anything else mortgage-related, please get in touch. Working with you would be a pleasure!
By Jen & Cory November 6, 2024
You’d think an online calculator is a pretty straightforward device, one that you should be able to place your confidence in, and for the most part, they are. Calculators calculate numbers. The numbers are reliable, but how you interpret those numbers, not so much, especially if the goal is mortgage qualification. If you rely on the numbers from a “What can I afford” or “Mortgage Qualification” calculator without talking to an independent mortgage professional, you’re going to be misinformed. Don’t be fooled. Even though an online mortgage calculator can help you calculate mortgage payments or help you assess how additional payments would impact your amortization, they’ll never be able to give you an exact picture of what you can afford and how a lender will consider your mortgage application. While mortgage calculators are objective, mortgage lending isn’t. It’s 100% subjective. Lenders consider your financial situation, employment, credit history, assets, liabilities, the property you are looking to purchase. Then, they will compare that with whatever internal risk profile they are currently using to assess mortgage lending. Simply put, they don’t just look at the numbers. An online calculator is a great tool to help you run different financial scenarios and help assess your comfort level with different payment schedules and mortgage amounts. However, if you rely on an online calculator for mortgage qualification purposes, you’ll be disappointed. The first step in the mortgage qualification process is a preapproval. A preapproval will examine all the variables on your application, assess your financial situation, and provide you with a framework to buy a property based on your unique circumstance. Securing a preapproval comes at no cost to you and without any obligation to buy. It’ll simply allow you the freedom to move ahead with confidence, knowing exactly where you stand. Something a calculator is unable to do. Please connect anytime if you’d like to talk more about your financial situation and get a preapproval started. It would be a pleasure to work with you.
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Investor Mortgage Experts Jen and Cory are Canadian Mortgage Professionals licensed across Canada.
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