Jacqueline Jeffries, Mortgage Broker

Jacqueline Jeffries, Mortgage Broker In a complicated world, I make your mortgage simple. Over 20 years of finance experience serving Edmonton and Area Always Here to Help!

Jacqueline educates homebuyers about mortgage options and scenarios that are available, and empower them to make an informed decision. This is more than discussing mortgage rates; it is helping you to understand your mortgage, how to save money over the long term, and how to avoid costly penalties. Jacqueline helps clients eliminate the confusion with a clear perspective. Clients are often turned

away from the bank and don't understand why. Or they are in a situation where they don't know what to do next. She listens to their situation and provide a sympathetic analysis with a solution. Jacqueline works with clients to envision the bigger picture of their financial future and provide guidelines and framework to help reach their financial goals. Specialities: First Time Homebuyers, Self Employed, Divorces/Separation mortgages, Purchases, Refinances, equity take-outs, thinking outside of the box, negotiating with lenders on deals that make sense, credit advice

Jacqueline has been a licensed Mortgage Broker since 2010 with over 10 years experience in the banking industry.

05/28/2026

Most of my first-time clients assume a down payment has to come from years of savings.

And in today's world, that's just not the case. Buyers often use a combination of sources.

➡️ Personal savings
➡️ RRSP withdrawals through the Home Buyers Plan
➡️ First Home Savings Accounts
➡️ Gifted down payments from family
➡️ Some buyers also use funds from inheritances, settlements, or asset sales.

I think the biggest message to remember is that it's not "one thing.

It's a plan, with a trusted advisor, that makes it all come together. 💖

: Are you the bottleneck in your own transaction?It’s a question most borrowers never think to ask, but it can make a h...
05/25/2026

: Are you the bottleneck in your own transaction?

It’s a question most borrowers never think to ask, but it can make a huge difference in how smoothly a mortgage process goes. When a transaction feels delayed, it’s easy to look outward. At the market. At the lender. At the professionals involved.

But after more than 16 years in this industry, one thing has become very clear:

The smoothest transactions usually involve the most engaged clients.

A home purchase involves multiple people working together, including your realtor, mortgage broker, lender, and lawyer. Everyone is working within timelines, and when one piece slows down, it can affect everything else downstream.

Sometimes that delay comes from the borrower. Not intentionally, but simply from not realizing how quickly things move behind the scenes.

So if you’re currently buying, refinancing, or preparing for a mortgage, ask yourself:
→ Am I responding to requests quickly?
→ Am I asking questions when I’m unsure?
→ Do I understand what stage I’m in and what comes next?

Being proactive during a mortgage transaction is more than helpful. It can be a real advantage.

What’s something that surprised you about the mortgage or home buying process? 👇

A down payment is the portion of the home price that you pay up front. Your mortgage covers the rest.It shows the lender...
05/21/2026

A down payment is the portion of the home price that you pay up front. Your mortgage covers the rest.

It shows the lender you have financial investment in the purchase.

Another thing many buyers do not realize is that 20% down is not required for most purchases (especially if you're a first time homebuyer)

If you put less than 20% down, your mortgage will typically include mortgage default insurance.

If you put 20% or more down, the mortgage becomes a conventional mortgage.

Both options can work depending on your situation.

05/19/2026

One of the biggest myths in home buying is that you need 20% down.
 
Most first-time buyers in Canada actually purchase with far less.
 
Here is how minimum down payments work:
Up to $500,000 purchase price = 5% down
 
$500,000 to $1.5M= 5% on the first $500K and 10% on the remaining amount
 
$1.5M+ = 20% minimum
 
For example:
$400,000 home → $20,000 down
$600,000 home → $35,000 down
 
For many Alberta buyers, getting into the market starts around $20K to $35K.
 
If you need a plan of how to put together your down payment, please reach out. I’d be happy to help.
 
 

05/18/2026

Woke up wondering why my body hurts… 🤔
oh right.

Where do you put your value on money?We all are different, and that's okay. But here's a question worth sitting with tod...
05/06/2026

Where do you put your value on money?

We all are different, and that's okay. But here's a question worth sitting with today:

Are you someone who feels that money is infinite? That it flows, arrives, and shows up in ways big and small, a discount at the checkout, an unexpected cheque in the mail, a deal you didn't see coming?

Or are you more focused on the lack of it? Where the unexpected expense is always louder than the unexpected reward?

Here's the thing: money moves in both directions. The question is: which direction are you watching?

Start small. Acknowledge every time money comes to you this week, no matter how small. A refund. A friend picking up the bill. A sale on something you needed.

Gratitude for what arrives opens the door for more. ✨

04/30/2026

Spent my afteroon decorating Smile Cookies at Tim Hortons in Spruce Grove 🍪

Get yours April 27–May 3 and support the Westview Health Foundation! 💙

Tell me in the comments, what's one money lesson (not mistake!) your past has taught you?The most expensive financial mi...
04/20/2026

Tell me in the comments, what's one money lesson (not mistake!) your past has taught you?

The most expensive financial mistake isn't the one you made... it's the one you're still carrying. 💸

→ Let go of the bad investment → Let go of the debt shame → Let go of the "I started too late" story

Every wealthy person has a money horror story.

The difference? They stopped letting it write their future.

04/14/2026

After 5 years:

✅ $11,050 extra paid toward principal
✅ $1,188 saved in interest

Mortgage balance after 5 years:

$261,569 → $249,331

Small payment increases can make a meaningful difference over time.

If you’re curious how extra payments could impact your mortgage, I’d be happy to run the numbers for you.

Don't let a scary media headline send you into a panic.This is exactly what the media wants. Scary headline ➡️ Panic ➡️ ...
04/13/2026

Don't let a scary media headline send you into a panic.

This is exactly what the media wants. Scary headline ➡️ Panic ➡️ React

But, I tell ya the truth. The clients who come out ahead in these crazy times (has it ever been normal?) are the ones locked in on their financial goals.

They are focused on

✅ Affordable payments
✅ Paying down debt
✅ Becoming mortgage-free or turning it into a better tool for you

Ups and downs are part of the journey. Always have been. Always will be. What changes is how you respond, and that starts with your mindset.

So, are you clear on your financial goals?

I'd be happy to help with that!

Address

Devon, AB
T9G1Y7

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 4pm
Saturday 11am - 2pm

Telephone

+17802205968

Website

, ,

Alerts

Be the first to know and let us send you an email when Jacqueline Jeffries, Mortgage Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category