Mortgages With Geri

Mortgages With Geri Geri can get you residential mortgage financing for your new home purchase, renewal or refinance. Because you deserve cash flow relief and breathing room!

Geri is a Mortgage Broker with BRX Mortgage bringing more than 18 years experience in the Mortgage Industry. Her extensive experience and training in the customer service industry ensures that you will be treated with professionalism and integrity. I get to experience some of life’s most exciting milestones with you – to be a dream creator – and that means sharing financial knowledge, judgement-fr

ee support, and creative new possibilities. That’s why I love being in it for the long-term – a partner who protects your wealth (and your health and peace of mind!) because after developing relationships with hundreds of clients, I know there’s no downside to having a good Mortgage Broker, in fact, it costs you if you don’t! Proven Processes, Attention to Detail, Super-Human Listening. She’s seen it from both sides:

When Geri bought her first house and needed a mortgage, she had no idea what she was doing. The second was the same: trusting that the people helping were doing the right thing. The third time? She was an agent who finally understood not only the benefits but all the unknowns she hadn’t been privy to before.

“And now that’s the biggest thing for me: that people understand exactly what they’re getting into. So it never costs someone their peace of mind.” – Geri Janes

Mortgages are not black and white - and I know that understanding your situation, inside and out, can be the difference between loving your home but drowning in cash-flow worries, and loving your home while being excited about your finances again. Judgement free, personal touch, options outside the box! Let’s get in there and get you pre-approved! East Coaster, Runner, Grandma and Tiger Cats Fan, Geri is your key resource for a seamless process. Mortgage Broker License # M08001033

Hi friends ...We wanted to take a moment to share a little update. Sometimes you just need to hit pause — not because so...
10/06/2025

Hi friends ...

We wanted to take a moment to share a little update. Sometimes you just need to hit pause — not because something’s wrong, but because something great is in the works.

We’re taking a break from social media (and don’t worry, it’s not you, it’s us!) while we focus our energy on some exciting things happening behind the scenes. This time away lets us build, refine, and create even more ways to support our clients and community with the care and attention they deserve.

You can still stay connected at mortgagewithgeri.ca, where you’ll find helpful resources, blog posts, and updates — or reach out anytime at [email protected].

Thanks for being here and for continuing to be part of our journey.

With appreciation,
The Geri Janes Mortgage Team

Not all lenders are the same!Some lenders called monolines can offer products and underwriting that the big banks do not...
09/24/2025

Not all lenders are the same!

Some lenders called monolines can offer products and underwriting that the big banks do not.

That means better fits for people with non standard income, condo purchases, or unique down payment situations.

If you have freelance income, a short credit history, or need a new build top up, using a broker who shops both monolines and banks can often find a smoother path to approval and competitive pricing for you.

Send us a message to explore which lenders will look best at your file.

📊 Market Outlook AlertRates aren’t expected to move much, but housing activity is heating up. CREA predicts a 6.3% jump ...
09/19/2025

📊 Market Outlook Alert

Rates aren’t expected to move much, but housing activity is heating up. CREA predicts a 6.3% jump in sales with the average home price near $697,929.

What does that mean for buyers? More competition.

💡 For sellers? Stronger demand.

Now’s the time to plan your next move strategically.

Reach out today for a pre-approval and accurate numbers!

Renewal Due Soon?Many mortgages renew in the next 12 months and higher payments are possible.We can compare your break p...
09/15/2025

Renewal Due Soon?

Many mortgages renew in the next 12 months and higher payments are possible.

We can compare your break penalty and renewal offers so you know whether to lock a rate or wait.

It takes one quick review to avoid a costly surprise.

Send us a message to schedule a renewal check.

A mortgage isn’t just about today’s numbers—it’s about your future plans too.When we walk clients through a renewal, it’...
09/12/2025

A mortgage isn’t just about today’s numbers—it’s about your future plans too.

When we walk clients through a renewal, it’s never one-size-fits-all. We take the time to understand your goals, ease the stress, and make sure the process feels simple from start to finish.

Stop waiting for rate cuts...The Bank of Canada’s schedule shows the next policy dates and the pause keeps uncertainty h...
09/08/2025

Stop waiting for rate cuts...

The Bank of Canada’s schedule shows the next policy dates and the pause keeps uncertainty high, so fixed mortgage rates are still driven by bond markets, not Prime.

Lock in a fixed rate now for certainty, you can always refinance later if rates drop.

Message us to lock your rate and sleep better.

Housing starts are finally rising.We need millions more homes to ease affordability, and more starts mean more supply do...
09/08/2025

Housing starts are finally rising.

We need millions more homes to ease affordability, and more starts mean more supply down the road.

New purchases right now can qualify for builder incentives and longer amortizations that save money month to month.

Get pre-approved today to see what you qualify for before new inventory hits the market.

Looking at homes? The options can feel endless — detached, semi, townhome, condo, even acreages — and each comes with it...
08/27/2025

Looking at homes?

The options can feel endless — detached, semi, townhome, condo, even acreages — and each comes with its own perks and quirks.

Detached homes = more privacy and space, but more upkeep.
Semis & duplexes = affordable, some outdoor space, and potential rental opportunities.
Townhomes = house-like feel with less maintenance.
Condos = minimal upkeep + amenities, but don’t forget fees.
Acreages = wide open spaces and peace, with extra maintenance.

The right fit depends on you — your lifestyle, your budget, and your future plans.

Wondering which type of home matches your goals? I’ve broken it all down so you can shop with confidence.
👉 Read the full guide here: https://www.mortgageswithgeri.ca/blog/understanding-property-types-what-every-buyer-should-know

Renew or Refinance?The choice could save you thousands!When your mortgage comes up for renewal you don’t have to simply ...
08/27/2025

Renew or Refinance?

The choice could save you thousands!

When your mortgage comes up for renewal you don’t have to simply accept your lender’s offer.

Refinancing could give you a better rate, consolidate debt or access equity for other goals. The right advice at renewal time can mean thousands in savings.

Most first-time buyers believe they need 20 percent down to purchase a home but in Canada you can qualify with as little...
08/26/2025

Most first-time buyers believe they need 20 percent down to purchase a home but in Canada you can qualify with as little as 5 percent for many properties. The right mortgage strategy can get you in the market sooner without overstretching your budget.

Let’s bust the myths and build a plan that works for you.

A mortgage is never just about the numbers — it’s about people, families, and futures. That’s why we take the time to tr...
08/20/2025

A mortgage is never just about the numbers — it’s about people, families, and futures.

That’s why we take the time to truly listen, understand your goals, and walk you through every step with clarity and care.

From finding the right solution to making sure you feel confident in your decisions, our focus is always on support that goes beyond the paperwork.

Wondering if it’s time to sell? For many homeowners, the signs creep up slowly: the house feels too big (or too small), ...
08/17/2025

Wondering if it’s time to sell?

For many homeowners, the signs creep up slowly: the house feels too big (or too small), the upkeep is exhausting, or you’re craving a new neighbourhood. Sometimes, it’s financial — tapping into equity, saving money by downsizing, or taking advantage of market conditions.

Before you decide, ask yourself:

✔ Is my home still meeting my needs?
✔ Could a renovation solve the problem?
✔ How would selling affect my future plans?

Selling a home isn’t just a financial decision — it’s a personal one. The right time is when your life and goals say so.

✨ We’ve laid out the key questions and considerations to help guide your decision.

Read more here: https://www.mortgageswithgeri.ca/blog/is-it-time-to-sell-your-housenbsp

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