780-466-9898
While most Canadians spend a lot of time and effort shopping for their mortgage initially, the same is generally not the case when looking at mortgage term renewals. Mortgage rates are constantly changing and when it’s time to renew your mortgage it’s possible that your renewal rate will be higher than the current market. By omitting proper consideration at the time of renewal, Canadians cost themselves thousands of dollars every year. Nearly 60% of borrowers simply sign the first renewal offered by their lender without shopping for a more favorable interest rate. Never accept the first-rate offer from an existing lender. If your Edmonton mortgage term is ending, simply signing up for the market rate without negotiation on a renewal unnecessarily costs you, the homeowner a lot of money. The Mortgage Force Team will compare the different renewal rates to find you the best rate, so you won’t be paying more than you have to.
Generally, it is a good idea to start shopping for a new mortgage term four months before your current mortgage term expires. Many lenders send out renewal letters close to your term expiration (sometimes even 6 months earlier), leaving you with ample time to arrange for a mortgage term through a different lender. This means that you need to be tracking your own mortgage, and should have one of our licensed mortgage professionals shopping around for you at the time of your mortgage renewal. You’ll be amazed at what an experienced Edmonton mortgage professional working for you can accomplish, not only in terms of rate but personalized service.
The Mortgage Force Team – Edmonton Mortgage Brokers
Call for a FREE quote 780-466-9898
Call NowBanks want to make money from you and the higher the interest rate the more money they will make. Renewing at a rate that is half a percent higher compared to somewhere else means the bank is making more money from you. That half a percent can save you thousands of dollars in the long run. The Mortgage Force team will work to save you the most money by finding the lowest rate. Another way to save money on your mortgage renewal is through a buy-down mortgage. The process of a buy-down mortgage is trading money or points for a lower mortgage rate. One point is the equivalent of one percent. Mortgage lenders offer mortgage brokers a discount if the broker regularly brings them business. These discounted points can then be used to reduce the interest rate on certain mortgages. We will work with you to get the best rate, saving you more money on your mortgage. A portion of the profits come from the bond market. The bond market is where the different lenders are given an opportunity to buy the same bond which they then sell back to you in the form of a mortgage. Lenders will hope that you don’t do the due diligence and look for better rates so they can make a bit extra interest from your renewal.
Your mortgage is one of your biggest expenses, so it’s imperative to find the best interest rates and mortgage terms possible. By shopping around at renewal time you can save substantial amounts of money over the life of your mortgage loan. Don’t be one of the 60% who just simply sign their renewal letter and send it back. Use the services of a Dominion Lending Centres’ Mortgage Force professional to ensure the lenders compete for your business.
We worked with Jody Vig, and she was absolutely amazing. She helped us find the right mortgage solution to make the dream of owning our new home a reality. I would 100% recommend The Mortgage Force Team! My husband and I will definitely be calling Jody for our next home purchase and all our other mortgage needs! Thank you so much!
With the first purchase of a home, we contacted Jody and were extremely pleased with the dedication she showed during the entire process. Not only was she friendly, and kind, but she welcomed us into the process of getting set up for a mortgage so there was no room for confusion. When we did hit an obstacle, she worked extra hard to ensure it didn’t negatively affect the mortgage rate we could get. Highly recommend working with her and cannot say thank you enough!
Positive: Professionalism, Quality, Responsiveness, Value
We were trying to buy an investment property. But due to my wife’s low credit score, it is difficult to secure a loan. Jody from the Mortgage Force helped on this matter. She worked very hard. She contacted different vendors. Finally she was able to get a mortgage with satisfied rate. She is responsive, professional and friendly. I would highly recommend her if you want to get a mortgage.
I would like to thank Jody for helping me and my partner get approved for our first home. Jody is an amazing broker and she was always readily available to answer any questions that we had (as a new home buyer I had A LOT). Jody was very patient throughout the entire process and made the experience of getting a home very comfortable. I’m very happy with the rate that we got. Thank you so much. 🙂
p.s this company came at the recommendation of my friend Dima Perelman and I’m very happy that I went with his suggestion.
Positive: Professionalism, Quality, Responsiveness, Value
The mortgage force team was great, especially Jody. We worked with her on a very rushed deal and she worked day and night for us. They were very responsive and helpful. The mortgage force team also had great recommendations for other services. Highly recommend.
Jody was wonderful to work with. As a first time home buyer she made sure to explain all aspects of the process in detail. She answered all questions I had, and even called me on the weekend to discuss a time sensitive manner. I would definitely recommend her to anyone looking to purchase a home.
Jody was fantastic to work with. She reigned calls, texts and emails promptly. Helped explained certain aspects of the process in a way that was very understandable. I would recommend her to anyone!
Positive: Professionalism, Quality, Responsiveness, Value
We cannot thank Jody enough for all the hard work put in to get us approved for our Mortgage. She was there to answer questions at any time of day & to help us out with whatever we needed. We will 100% recommend her to our family & friends! Thank you so much Jody!!
Jody was great to work with she helped us through every step, helped us whenever we needed. She’s awesome thanks again.
Jody was so amazing, she explained every detail so that what could have been a stressful experience was anything but stressful. She was so supportive and helpful. She made you feel like family and that you were important. I am so grateful to be a home owner and I have Jody to thank for it!
If you are looking for a mortgage place this is the place to be ! U have arrived ! Jodi was honestly God-sent ! Absolutely no way we would have our home if it wasn’t for her! I can’t thank you enough Jodi . From the first day we met with her she took the time to just educate us on things and then laid out what was actually financially and realistically possible for us and I am forever grateful . As first time home buyers I felt like she held our hand all the way to the finish line making sure everything worked out . She is professional ,kind, very responsive to any questions ! Jodi you are absolutely AMAZING! I honestly don’t think there is enough space here to express how awesome she is !
Jody is the person to see if you’re looking for a mortgage. It’s like getting advice from an old, trusted, and caring friend or family member. She determines your needs, provides you with (and explains) the most viable options, and then quickly implements action. After our first experience with her years ago, retaining her services again was a no-brainer.
Jody Vig was amazing, she was very clear, detailed and easy to work with. Always kept us in the loop when we needed to do something. I highly recommend her and the Mortgage Force Team. Thanks to her we have a new beautiful home.
We were helped for our mortgage needs by Jody, she was a great professional to work with. Being a first time home buyer had some many questions, she understood and was readily available to answer. She made sure to explain all aspects of the process in detail and ensured things got done in a timely manner. She had great experience and was able to offer us with the right mortgage solution to our situation. Our thanks to Jody and all best wishes to the mortgage force team!
My husband and I had the most wonderful experience with Jody, she was so helpful, understanding and supportive. She answered the million questions I had, walked us through each process, was a great fit for us. I would recommend this group 100%
Jody is a remarkably thorough professional who shares every minute detail of the process. She makes sure to have everything ready and cross check multiple times before putting in formal application maximizing the chances of approval from lender.
Jody was phenomenal to work with and got us into our home quickly, working under tight time restraints. As first time home owners we had endless questions that she answered extremely quickly, even answering our calls, texts and emails over the weekend. We are so happy to have her on our side through the stressful process of buying a house and highly recommend her to anyone looking to purchase a home!
We got our mortgage through Jody, and she was great to work with, and cannot recommend her enough! She was easy to get in touch with and was super responsive to our questions, letting us know if/when we needed to submit more documents. It was a pretty quick process, and we felt we got a great rate. Thanks again!
All I can say is, WOW!!! The patience, the care, the coaching. this journey started with a lot of coaching from Mortgage specialist with Dominion Lending, Jody. As an inexperience buyer, coaching is what you need coupled with someone who will have the patience for all your silly questions. And that is exactly what I found with Dominion. Thank you, guys, so much, great teamwork. And special thanks to Jody for her incredible work and efforts!!! She went above and beyond, great service!
Sunny and Jody Vig are absolutely a pleasure to work with. They are professional, courteous and prompt. They handled the most stressful part about buying a home and made it very easy for us! They were there every step of the way, evenings and weekends as well. Highly recommend the Mortgage Force Team.
Thanks again!
Highly recommend! Jody answered every question we had! Answering all calls and emails promptly! Making the process smooth in getting our new mortgage. Thank you Jody!
Jody has been such an amazing asset when we were building our team for our first home buying process. She was so knowledgeable and experienced and guided us every step of the way. She worked efficiently and was so effective in getting us through this process and any questions we had, she was right there to answer. Definitely recommend her and her team, you won’t regret it!
GREAT COMPANY TO WORK WITH !
We worked with Jody on a mortgage and she was amazing. Answered all of our questions and put our mind (especially mine) at ease for any concerns we had. She made meetings work even though she had a busy schedule. We got a great mortgage and could buy our first own home with this fantastic service! This was a year ago and she still emails back on any questions that come up. I totally recommend this company for mortgages. THANK YOU, JODY ! Way to go !
Jody assisted me with my mortgage and it was a seamless experience from beginning to end. She was easy to get in touch with, kept good communication throughout and was very helpful. Would definitely recommend Jody and team!
Very easy to work with. Quick results.
Jody is a great person to work with. She helped me from A to Z to get my financing in place in very little time
Jody helped me secure a lender over the course of a few weeks. She was patient, hard working, and always kept me in the loop. Would be happy to take my business to her again, 10/10
This team of Sunny and Jody were amazing to deal with for getting us a mortgage.
Communication was excellent and always friendly.
I recommend them highly for anyone needing a mortgage.
Jody and her team are the best. Jody went out of her way to explain all the steps needed for us to get approved and is there for each step. She made herself available for times that worked for us and was able to work with us no matter what happened. If you are in need of their services go see Jody. She will the process so easy, you will be happy you went with her team.
Excellent experience, very professional and knowledgeable. Jody takes her time to explain everything very well. I had a great experience working with Jody, I would continue to use Jody as my mortgage agent for my future homes. Thank-you for all your help ! You made the process very easy.
Working with Jody was wonderful. I was in a time crunch and she worked really hard to get me a mortgage deal in a very short time. The best part is she treated me like a person rather than a number. She answered all my questions and kept me informed. I am so grateful for everything and will easily recommend the Mortgage Force Team to everyone I know.
I was lucky enough to get Jody’s contact information randomly on Google. I have never received such an excellent service before. She was always responsive to my calls/messages. She always explained everything clearly to me and did everything so I was able to secure my mortgage.
I definitely recommend Jody if anyone needs to get a mortgage or any services that they provide. She is the best 👍🏻 I am really thankful for her help.
If I could give more than 5 stars, I would definitely without hesitation!
Jody is the best person to help you get a mortgage. She is very friendly and I cannot emphasize enough how responsive she is. She went out of her way to explain everything so that we were able to get approved and always answered my questions with explanations. I am very grateful for everything that she did to help!
I will 100% use her services again in the future and would recommend anyone to go to her!
I have worked with Jody & Sunny over the last 4 years on various residential real estate files.They are a great team of professionals who believe in educating their clients throughout the entire home buying process from start to finish. I highly recommend the Mortgage Force Team for anyone looking for their next mortgage.
I love dealing with the mortgage force team! They are informative, answer any questions I have and guide myself and my clients through the process. They make things so easy!
Being a single mom with rent, groceries, and all the living expenses to cover, I was not able to save up any down payment. Jody was actually able to put me in a program which allowed me to borrow my down payment from the line of credit I had. Thanks to her, I took possession my new condo on Nov 11, 2015
I wanted to thank them for getting us in the home of our dreams. Its rare these days to experience such quality of genuine care and service. Thank you
Jody and her team were a great help in finding the best mortgage for us. really appreciate the work they do for the client
