Jill Drummond Mortgage Broker

Jill Drummond Mortgage Broker Mortgage Broker serving NB, NS & PEI
Top 7% at Mortgage Architects
Book a chat: https://calendly.com/mortgagesbyjill/mortgagechat
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In the summer of 2015, I was a single mom of two on maternity leave, living in Fredericton, New Brunswick, when life threw me a curveball—I needed to find a new place to live. For years, I had been saving for a down payment, hoping to buy a home one day, and I decided this was the perfect moment to make it happen. Excited to start my homeownership journey, I toured a few houses and went to my bank

to ensure I’d qualify for a mortgage. But to my disappointment, the bank declined my application without giving me any explanation. Feeling uncertain, I turned to my Realtor for advice. He suggested I contact a Mortgage Broker he knew—someone experienced with helping people who faced challenges with financing. I reached out, and that conversation became a turning point in my life. She walked me through the entire process, explained what I needed to do to qualify, and with her help, I was able to buy my first home for myself and my kids. Fast forward to 2021: my life looked very different. I had been with my now-husband for five years, and we had two more children together. With four kids, our family had outgrown the first house, and it was time to move again. I reconnected with the same Mortgage Broker and once again had an amazing experience purchasing a larger home that could accommodate our growing family. At the time, I was on maternity leave again, thinking hard about my future. I knew that returning to work wouldn’t be sustainable, given the cost of daycare for four children. I needed something more flexible but also meaningful. The idea of becoming a Mortgage Broker began to resonate with me. I’ve always had strong administrative skills and enjoyed going above and beyond for the people I work with. Helping others achieve homeownership—just as I had been helped—felt like a perfect fit. In August 2022, I officially became a licensed Mortgage Associate. However, I quickly realized that the basic course wasn’t enough. Determined to provide the best service possible, I dove deep into the industry—reading every book I could find, listening to podcasts, and attending workshops at my own expense. As I immersed myself in the field, I noticed that many of the professionals I admired were connected to Mortgage Architects, including the author of the books I studied, the podcast host I followed, and the leader of a workshop I attended. I knew I needed to be part of this organization, so I reached out and joined Guy Richard's team, which encompasses all of the Mortgage Architects brokers in New Brunswick. Together we are a small, but mighty team of high level service oriented Mortgage Brokers. Since becoming licensed, I’ve gone a step further by earning the Accredited Mortgage Professional of Canada (AMPC) and Preferred Mortgage Professional of Canada (PMPC) designations, as well as my Mortgage Broker license, reflecting my commitment to continuous learning and excellence in the mortgage industry. In 2023, my husband Jesse Drummond joined the real estate industry, making us a seamless team for clients who need both mortgage and real estate services. Together, we work to create smooth, stress-free transactions, helping families like ours achieve their homeownership dreams. Looking back, my journey to becoming a Mortgage Broker has been deeply personal. I know what it feels like to face obstacles when buying a home, but I also know how life-changing it is when someone helps you overcome them. That’s what drives me every day. If you have any questions or need guidance, I’d love to help you in any way I can.

You don’t have to guess what’s on your credit report. In Canada, you can check both bureaus yourself:• Equifax• TransUni...
09/07/2026

You don’t have to guess what’s on your credit report. In Canada, you can check both bureaus yourself:
• Equifax
• TransUnion

You can request a free consumer disclosure from each bureau directly (recommended). There are also monitoring apps that show you a version of your score and report.

Just know this:
The score you see on a consumer app is often a different scoring model than what a mortgage lender sees. It’s useful for trends, but it’s not the final word.

What matters more than the number is:
• Are all accounts reporting correctly?
• Are there any collections you didn’t know about?
• Are balances accurate?
• Are there duplicate or outdated items?

And remember, not every lender pulls the same bureau. So checking both Equifax and TransUnion gives you a clearer picture.

If you’re planning to buy in the next few months and want to know what lenders will actually see, we can review it together and flag anything that needs attention before you’re under a deadline.

Jill Drummond
Mortgage Broker PMPC
(506) 260-8445
[email protected]
www.mortgagesbyjill.ca

Essy Dupuis
Mortgage Broker
(506) 210-2513
[email protected]
www.essydupuis.ca

Mortgage Architects
Brokerage #12728

09/04/2026
I’m incredibly honoured to have won Gold in the Mortgages and Brokers category for Fredericton CommunityVotes! 🥇A heartf...
09/03/2026

I’m incredibly honoured to have won Gold in the Mortgages and Brokers category for Fredericton CommunityVotes! 🥇

A heartfelt thank-you to everyone who voted and supported me. Your trust means more than I can say, and I’m truly grateful to be part of such an amazing community. 💛

🎉 200 Google reviews! 🎉This milestone feels extra special because my 200th review came from my childhood best friend, so...
09/02/2026

🎉 200 Google reviews! 🎉

This milestone feels extra special because my 200th review came from my childhood best friend, someone I’ve been lucky enough to remain close with through all these years. 💜

A heartfelt thank you to every single person who has trusted me to help with their mortgage. Your support, referrals and kind words mean more to me than you know.

Here’s to helping many more people and making our way to 300 reviews next! 🏡

We’re growing, and we’re looking for the right person to join our New Brunswick mortgage team.This is a fully remote, fu...
09/01/2026

We’re growing, and we’re looking for the right person to join our New Brunswick mortgage team.

This is a fully remote, full-time role for someone who genuinely loves the underwriting and fulfillment side of mortgages: organized, detail-oriented, proactive, great with clients, and comfortable taking ownership of their work while being part of a collaborative team.

There’s lots of room to learn, grow, and build a long-term career here. If you’re looking for a great team to do excellent work with, we’d love to hear from you.

Please apply through this link: https://www.alignra.ca/jobs/mortgage-associate-c9b9b2aa

Applications will only be accepted through the posting, so please do not send applications or inquiries by DM.

If you already own land free and clear, that land may be able to count as your down payment when you build. In some case...
08/31/2026

If you already own land free and clear, that land may be able to count as your down payment when you build. In some cases, it can significantly reduce or even eliminate the need for a separate cash down payment, depending on the lender and how the file is structured.

But this is where planning matters.

Not all land automatically qualifies as usable equity. Lenders look at things like location, zoning, access, and how the build itself will be financed.

…. And just because land can be used as a down payment doesn’t automatically mean you’ll qualify for the build itself.

This is why buying land first without confirming what financing options you’re eligible for can create problems later. You don’t want to find out after the fact that the land can’t be used the way you expected, or that your income or debt levels don’t support the type of build you’re planning.

Land equity can be a huge opportunity when it’s planned properly. When it’s not, it can turn into an expensive guessing game.

The best move is to confirm upfront whether the land can be used as equity for financing, and whether you qualify for the build you want under today’s lending rules.

If you’re exploring a build and want to make sure your financing plan lines up with your financial reality, we’re happy to have that conversation with you!

Essy Dupuis
Mortgage Broker
(506) 210-2513
[email protected]
www.essydupuis.ca

Jill Drummond
Mortgage Broker PMPC
(506) 260-8445
[email protected]
www.mortgagesbyjill.ca

Mortgage Architects
Brokerage #12728

Address

Fredericton, NB

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