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.
START YOUR APPLICATION
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.

READY TO GET STARTED?

Use Our Mortgage Tools

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
START YOUR APPLICATION

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

Stay Updated!

Subscribe to our newsletter and receive updates on mortgage rate changes, refinancing opportunities and special deals as they come up.

Subscribe

* indicates required

MORTGAGE INSIGHTS

Before You Co-Sign a Mortgage

By Jen & Cory • 24 Apr, 2024
So you’re thinking about co-signing on a mortgage? Great, let’s talk about what that looks like. Although it’s nice to be in a position to help someone qualify for a mortgage, it’s not a decision that you should make lightly. Co-signing a mortgage could have a significant impact on your financial future. Here are some things to consider. You’re fully responsible for the mortgage. Regardless if you’re the principal borrower, co-borrower, or co-signor, if your name is on the mortgage, you are 100% responsible for the debt of the mortgage. Although the term co-signor makes it sound like you’re somehow removed from the actual mortgage, you have all the same legal obligations as everyone else on the mortgage. When you co-sign for a mortgage, you guarantee that the mortgage payments will be made, even if you aren’t the one making them. So, if the primary applicant cannot make the payments for whatever reason, you’ll be expected to make them on their behalf. If payments aren’t made, and the mortgage goes into default, the lender will take legal action. This could negatively impact your credit score. So it’s an excellent idea to make sure you trust the primary applicant or have a way to monitor that payments are, in fact, being made so that you don’t end up in a bad financial situation. You’re on the mortgage until they can qualify to remove you. Once the initial mortgage term has been completed, you won’t be automatically removed from the mortgage. The primary applicant will have to make a new application in their own name and qualify for the mortgage on their own merit. If they don’t qualify, you’ll be kept on the mortgage for the next term. So before co-signing, it’s a good idea to discuss how long you can expect your name will be on the mortgage. Having a clear and open conversation with the primary applicant and your independent mortgage professional will help outline expectations. Co-signing a mortgage impacts your debt service ratio. When you co-sign for a mortgage, all of the debt of the co-signed mortgage is counted in your debt service ratios. This means that if you’re looking to qualify for another mortgage in the future, you’ll have to include the payments of the co-signed mortgage in those calculations, even though you aren’t the one making the payments directly. As this could significantly impact the amount you could borrow in the future, before you co-sign a mortgage, you’ll want to assess your financial future and decide if co-signing makes sense. Co-signing a mortgage means helping someone get ahead. While there are certainly things to consider when agreeing to co-sign on a mortgage application, chances are, by being a co-signor, you'll be helping someone you care for get ahead in life. The key to co-signing well is to outline expectations and over-communicate through the mortgage process. If you have any questions about co-signing on a mortgage or about the mortgage application process in general, please connect anytime. It would be a pleasure to work with you.

Understanding the Recent Housing Affordability Measures in Canada

By Jen & Cory • 18 Apr, 2024
In recent years, housing affordability has become a significant concern for many Canadians, particularly for first-time homebuyers facing soaring prices and strict mortgage qualification criteria. To address these challenges, the Canadian government has introduced several housing affordability measures. In this blog post, we'll examine these measures and their potential implications for homebuyers. Increased Home Buyer's Plan (HBP) Withdrawal Limit Effective April 16, the Home Buyer's Plan (HBP) withdrawal limit will be raised from $35,000 to $60,000. The HBP allows first-time homebuyers to withdraw funds from their Registered Retirement Savings Plan (RRSP) to use towards a down payment on a home. By increasing the withdrawal limit, the government aims to provide young Canadians with more flexibility in saving for their down payments, recognizing the growing challenges of entering the housing market. Extended Repayment Period for HBP Withdrawals In addition to increasing the withdrawal limit, the government has extended the repayment period for HBP withdrawals. Individuals who made withdrawals between January 1, 2022, and December 31, 2025, will now have five years instead of two to begin repayment. This extension provides borrowers with more time to manage their finances and repay the withdrawn amounts, alleviating some of the immediate financial pressures associated with using RRSP funds for a down payment. 30-Year Mortgage Amortizations for Newly Built Homes Starting August 1, 2024, first-time homebuyers purchasing newly built homes will be eligible for 30-year mortgage amortizations. This change extends the maximum mortgage repayment period from 25 years to 30 years, resulting in lower monthly mortgage payments. By offering longer amortization periods, the government aims to increase affordability and assist homebuyers in managing their housing expenses more effectively. Changes to the Canadian Mortgage Charter The government has also introduced changes to the Canadian Mortgage Charter to provide relief to homeowners facing financial challenges. These changes include early mortgage renewal notifications and permanent amortization relief for eligible homeowners. By implementing these measures, the government seeks to support homeowners in maintaining affordable mortgage payments and mitigating the risk of default during times of financial hardship. The recent housing affordability measures announced by the Canadian government are aimed at addressing the challenges faced by homebuyers in today's market. These measures include increasing withdrawal limits, extending repayment periods, and offering longer mortgage amortizations. The goal is to make homeownership more accessible and affordable for Canadians across the country. As these measures come into effect, it's crucial for homebuyers to stay informed about the changes and their implications. Consulting with a mortgage professional can help individuals explore their options and make informed decisions about their housing finances. If you're interested in learning more about these changes and how they may affect you, please don't hesitate to connect with us. We're here to walk you through the process and help you consider all your options and find the one that makes the most sense for you.

A First Home Savings Account (FHSA)

By Jen & Cory • 18 Apr, 2024
Dreaming of owning your first home? A First Home Savings Account (FHSA) could be your key to turning that dream into a reality. Let's dive into what an FHSA is, how it works, and why it's a smart investment for first-time homebuyers. What is an FHSA? An FHSA is a registered plan designed to help you save for your first home taxfree. If you're at least 18 years old, have a Social Insurance Number (SIN), and have not owned a home where you lived for the past four calendar years, you may be eligible to open an FHSA. Reasons to Invest in an FHSA: Save up to $40,000 for your first home. Contribute tax-free for up to 15 years. Carry over unused contribution room to the next year, up to a maximum of $8,000. Potentially reduce your tax bill and carry forward undeducted contributions indefinitely. Pay no taxes on investment earnings. Complements the Home Buyers’ Plan (HBP). How Does an FHSA Work? Open Your FHSA: Start investing tax-free by opening your FHSA. Contribute Often: Make tax-deductible contributions of up to $8,000 annually to help your money grow faster. Withdraw for Your Home: Make a tax-free withdrawal at any time to purchase your first home. Benefits of an FHSA: Tax-Deductible Contributions: Contribute up to $8,000 annually, reducing your taxable income. Tax-Free Earnings: Enjoy tax-free growth on your investments within the FHSA. No Taxes on Withdrawals: Pay $0 in taxes on withdrawals used to buy a qualifying home. Numbers to Know: $8,000: Annual tax-deductible FHSA contribution limit. $40,000: Lifetime FHSA contribution limit. $0: Taxes on FHSA earnings when used for a qualifying home purchase. In Conclusion A First Home Savings Account (FHSA) is a powerful tool for first-time homebuyers, offering tax benefits and a structured approach to saving for homeownership. By taking advantage of an FHSA, you can accelerate your journey towards owning your first home and make your dream a reality sooner than you think.
Show More
Investor Mortgage Experts Jen and Cory are Canadian Mortgage Professionals licensed across Canada.
Share by: