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 27 Mar, 2024
Alternative lending refers to any lending practices that fall outside the normal banking channels. Alternative lenders think outside the box and offer solutions to Canadians who wouldn’t otherwise qualify for traditional mortgage financing. In an ideal world, we’d all qualify for the best mortgage terms available. However, this isn’t the case. Securing the most favourable terms depends on your financial situation. Here are a few circumstances where alternative lending might make sense for you. Damaged Credit Bad credit doesn’t disqualify you from mortgage financing. Many alternative lenders look at the strength of your employment, income, and your downpayment or equity to offer you mortgage financing. Credit is important, but it’s not everything, especially if there is a reasonable explanation for the damaged credit. When dealing with alternative lending, the interest rates will be a little higher than traditional mortgage financing. But if the choice is between buying a property or not, or getting a mortgage or not, having options is a good thing. Alternative lenders provide you with mortgage options. That’s what they do best. So, if you have damaged credit, consider using an alternative lender to provide you with a short-term mortgage option. This will give you time to establish better credit and secure a mortgage with more favourable terms. Use an alternative lender to bridge that gap! Self-Employment If you run your own business, you most likely have considerable write-offs that make sense for tax planning reasons but don’t do so much for your verifiable income. Traditional lenders want to see verifiable income; alternative lenders can be considerably more understanding and offer competitive products. As interest rates on alternative lending aren’t that far from traditional lending, alternative lending has become the home for most serious self-employed Canadians. While you might pay a little more in interest, oftentimes, that money is saved through corporate structuring and efficient tax planning. Non-traditional income Welcome to the new frontier of earning an income. If you make money through non-traditional employment like Airbnb, tips, commissions, Uber, or Uber eats, alternative lending is more likely to be flexible to your needs. Most traditional lenders want to see a minimum of two years of established income before considering income on a mortgage application. Not always so with alternative lenders, depending on the strength of your overall application. Expanded Debt-Service Ratios With the government stress test significantly lessening Canadians' ability to borrow, the alternative lender channel allows expanded debt-service ratios. This can help finance the more expensive and suitable property for responsible individuals. Traditional lending restricts your GDS and TDS ratios to 35/42 or 39/44, depending on your credit score. However, alternative lenders, depending on the loan-to-value ratio, can be considerably more flexible. The more money you have as a downpayment, the more you’re able to borrow and expand those debt-service guidelines. It’s not the wild west, but it’s certainly more flexible. Connect anytime Alternative lending can be a great solution if your financial situation isn’t all that straightforward. The goal of alternative lending is to provide you with options. You can only access alternative lending through the mortgage broker channel. Please connect anytime if you’d like to discuss mortgage financing and what alternative lending products might suit your needs; it would be a pleasure to work with you.
By Jen & Cory 20 Mar, 2024
If you need a mortgage, working with an independent mortgage professional will save you money and provide you with better options than dealing with a single financial institution. And if that is the only sentence you read in this entire article, you already know all you need to know. However, if you’d like to dig a little deeper, here are some reasons that outline why working with an independent mortgage professional is in your best interest. The best mortgage is the one that costs you the least over the long term. An independent mortgage professional can help you achieve this. Mortgages aren’t created equally. Oftentimes slick marketing leads us to believe the lowest “sticker price” is the best value. So when it comes to mortgage financing, you might assume the mortgage with the lowest rate is the best option. This isn’t always the case. When considering a mortgage, your goal should be to find the mortgage that will cost you the least amount of money over the total length of the mortgage. There are many factors to consider, such as your specific financial situation, the rate, initial term length, fixed or variable rate structure, amortization, and the penalties incurred should you need to break your mortgage early; the fine print matters. An independent mortgage professional can walk through all these factors with you and will help you find the mortgage that best suits your needs. Sometimes taking a mortgage with a slightly higher rate can make sense if it gives you flexibility down the line or helps you avoid huge payout penalties. Working the numbers with an independent mortgage professional will save you money in the long run instead of just going with what a single lender is offering. Save time by letting an independent mortgage professional find the best mortgage product for you. Let's face it, getting a mortgage can be challenging enough on its own. Everyone’s financial situation is a little different and making sense of lender guidelines is a full-time job in itself. So instead of dealing with multiple lending institutions on your own, when you work with an independent mortgage professional, you submit a single mortgage application that is compared to the lending guidelines of various mortgage lenders. This will save you time as you don’t have to go from bank to bank to ensure you’re getting the best mortgage. Simply put, an independent mortgage professional works for you and has your best interest in mind, while a bank specialist works for the bank and has the bank's best interest in mind. It’s no secret that Canadian banks make a lot of money. It seems every quarter they turn billions of dollars in profit (despite the economic environment). They do this at the expense of their customers by charging as much interest as they can and structuring mortgages to their benefit. It’s all about the alignment of interest. Bank employees work for the bank; the bank pays them to make money for the bank. In contrast, independent mortgage professionals are provincially licensed to work for their clients and are paid a standardized placement or finder’s fee for matching borrowers with lenders. When you work with a single bank, you only have access to the products of that bank. When you work with an independent mortgage professional, you have access to all of the lenders that mortgage professionals have relationships with and all their products. Working with an independent mortgage professional will save you money, time, and provide you with better mortgage options. Plus, you have the added benefit of working with a licensed professional looking out for your best interest, providing you with the best possible advice. If you’d like to know more or to discuss mortgage financing, please connect anytime; it would be a pleasure to work with you.
By Jen & Cory 13 Mar, 2024
Chances are, buying a home is one of the most important financial decisions you’ll make in your life. And as mortgage financing can be somewhat confusing at the best of times, to alleviate some of the stress and to ensure your home purchase goes as smoothly as possible, here are six very high-level steps you should follow. While it might seem like the best place to start the home buying process is to browse MLS on your phone and then contact a Realtor to go out and look at properties, it’s not. First, you’re going to want to work with a licensed independent mortgage professional. When you work with an independent mortgage professional, instead of working with a single bank, you’ll be working with someone who has your best interest in mind and can present you with mortgage options from several financial institutions. The second step in the home buying process is to put together a mortgage plan. Unless you have enough money in the bank to buy a home with cash, you’re going to need a mortgage. And as mortgage financing can be challenging and not so straightforward, the best time to start planning for a mortgage is right now. Don’t make another move until you discuss your financial situation with an independent mortgage professional. It’s never too early to start planning. As part of your mortgage plan, you’ll want to figure out what you can afford on paper, assess your credit score, run some financial scenarios, calculate mortgage payments, and have a clear picture of exactly how much money is required for a downpayment and closing costs. You’ll also be able to discuss which mortgage product is best for you, considering different mortgage terms, types, amortizations, and features. Now, what you qualify to borrow on paper doesn’t necessarily mean you can actually afford the payments in real life. You need to consider your lifestyle and what you spend your money on. Understanding your cash flow is the key. Make a budget to verify you can actually afford your proposed mortgage payments and that you have enough funds to close on the mortgage. No one wants to be house-poor or left scrambling to come up with funds to close at the last minute. If everything looks good at this point, the next step will be to get a preapproval in place. Now, a pre-approval is more than just typing some numbers into a form or online calculator; you need to complete a mortgage application and submit all the documents requested by your mortgage professional. Only proceed with looking at properties when you’ve been given the green light from your mortgage professional. When you’ve found a property to purchase, you’ll work very closely with your mortgage professional to arrange mortgage financing in a short period of time. This is where being prepared pays off. As you’ve already collected and submitted many documents upfront during the preapproval process, you should be set up for success. However, remain flexible and provide any additional documentation required by the lender to secure mortgage financing. Once you have firm lender approval and you’ve removed conditions on the purchase agreement, don’t change anything about your financial situation until you have the keys. Don’t quit your job, don’t take out a new loan, or don’t make a large withdrawal from your bank account. Put your life into a holding pattern until you take possession of your new home. So there you have it, six steps to ensuring a smooth home purchase: Work with an independent mortgage professional. Put together a mortgage plan. Figure out what you can actually afford. Get a pre-approval. Provide the necessary documentation. Don’t change anything about your financial situation until you take possession. If you’d like to discuss your personal financial situation and find the best mortgage product for you, let’s work together. We can figure out a plan to buy a home as stress-free as possible. Please connect anytime; 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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