Jen and Cory Your Mortgage Experts

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Jen and Cory Your Mortgage Experts

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Your trusted Mortgage Experts | Jen Reiffer and Cory Larkin. Visit us at http://jenandcory.ca Her work doesn’t end when the home purchase completes!

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. 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! Cory Larkin

604-309-2924

Cory Larkin began his career in the financial services industry over 20 years ago where he gained valuable experience in mortgage lending and underwriting. With this experience, 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. Cory’s previous clients will attest to his vast knowledge and the outstanding service he provides before and after the closing of their mortgage. Call Cory today and you will enjoy this great experience firsthand!

11/02/2026

The kitchen is one of the most-used spaces in a home, and the right cooktop can make a big difference. 🍳

Whether you love to cook every night or simply want a space that's easy to maintain, your preference says a lot about how you use your home.

🔥 Gas cooktops are known for precise temperature control, instant heat adjustments, and a cooking experience many home chefs prefer.

⚡ Induction cooktops offer fast heating, impressive energy efficiency, and a sleek, easy-to-clean surface that complements a modern kitchen.

It all comes down to your lifestyle, cooking habits, and what feels right for your home. If you had to choose, would you go with gas or induction? Share your pick in the comments!

10/31/2026

Wishing everyone a safe and spooky Halloween from Jen and Cory! 👻

Hope your evening is full of treats and zero tricks, especially when it comes to your mortgage. 😄

Happy Halloween! 🕷️

10/28/2026

The Bank of Canada raised its key interest rate by 0.25% today, bringing it to 2.5%. It is the first rate hike since July 2023 and the first increase in three years.

Here is what that means for you.

If you have a variable rate mortgage, your payments or amortization may be affected and it is worth reviewing where you stand. If you are coming up for renewal in the next six to twelve months, now is the time to start that conversation rather than waiting until you are right up against the deadline. And if you are planning to buy, getting pre-approved sooner rather than later makes sense, especially with the Bank signaling that more hikes could be on the way.

The most important thing right now is not to panic but to have a plan. A rate change does not have to derail your goals. It just means your mortgage strategy needs to account for where things are headed.

Have questions about how this affects your mortgage? Send us a message and let’s talk through it together.

10/27/2026

Most buyers spend a lot of energy getting their income, credit, and down payment in order. All of that matters, but even a well-qualified borrower can run into problems if the property raises concerns for the lender.

Here is why. The property is the collateral for the mortgage. Homes in poor condition, unconventional layouts, or overpriced relative to the market can create financing challenges regardless of how strong your application looks on paper.

A few things worth knowing before you make an offer.

Every mortgage requires an appraisal after an offer is accepted, not at pre-approval. A pre-approval assesses you as a borrower, not the specific home you are buying. And removing a financing condition to strengthen your offer comes with real risk. If the appraisal comes in low or the lender has concerns about the property’s condition, your financing could fall through and your deposit may be at risk.

If the home needs work, a purchase plus improvements program may allow you to include renovation costs directly in your mortgage.

Send us a message before your next offer and let’s make sure you are going in with a clear picture.

10/24/2026

What are your long-term plans for your current home? 🏡

As life evolves, priorities often shift. Staying in your current home may offer comfort, familiarity, and a strong sense of community. Moving, on the other hand, may provide more flexibility, less maintenance, or a better fit for changing lifestyle needs.

There is no right or wrong approach, only what aligns with your goals. So where do you see yourself next? Staying put or planning your next move?

📩 Reach out for a personalized plan to explore your options and understand what makes the most sense for your situation.

10/22/2026

Buying a home is one of the biggest financial decisions you will ever make. It deserves more than a quick approval and a signature.

The right mortgage is not just about getting into the home. It is about making sure the financing works for your life, your budget, and your long term goals. That means understanding your options, knowing what you qualify for, and having someone in your corner who is looking out for your best interests, not a lender’s bottom line.

That is exactly what we are here for.

Whether you are buying your first home, moving up, or investing in property, we take the time to make sure you are making smart financial decisions every step of the way.

Ready to get started? Send us a message and let’s put together a plan that works for you. 🏡

10/20/2026

A dedicated reading corner can make a home feel a little more personal. 📚

Maybe it’s a comfy window seat, built-in shelves with warm lighting, or a quiet nook with garden views and soft, neutral finishes. The right setup can turn an overlooked corner into the beloved spot in the house.

Which style would make your wish list?

10/17/2026

Most homeowners assume that if they have made every payment on time their lender is required to renew their mortgage at the end of the term. That is a common belief but it is not true.

When your term ends, your lender has the legal right to renew or walk away. There is no obligation. In practice most lenders do renew, but certain situations can change that including missed payments, a bankruptcy, a separation, a change in income, or even the lender no longer operating in Canada.

This is why waiting until the last minute puts you in a vulnerable position.

The smartest move is to start reviewing your options 120 days before your term ends. That gives you time to explore alternatives rather than reacting under pressure. And even if your current lender does offer a renewal, that is just one option, not automatically the best one. The lender that was right for you years ago may not offer the most competitive rate or terms today.

As independent mortgage professionals we work with multiple lenders, which means we are advocating for you, not for any single institution. The goal at renewal is not convenience. It is reducing your total cost of borrowing and choosing terms that fit where you are now.

If your mortgage is coming up for renewal or you want to get ahead of it, send us a message and let’s make sure you are set up for the best possible outcome.

10/15/2026

Most lenders offer standard options like monthly, semi-monthly, bi-weekly, and weekly payments. These are designed to align with how you get paid, and regardless of which you choose, the total amount paid each year stays the same.

The accelerated options are where it gets interesting.

Accelerated bi-weekly and accelerated weekly payments are slightly higher than their standard counterparts. That extra amount goes directly toward your principal, which reduces your interest costs over time. On a $1,000 monthly payment, accelerated bi-weekly works out to $500 every two weeks instead of $462, adding an extra $1,000 to your mortgage annually without you having to think about it.

Over the life of a mortgage, this can reduce your amortization by up to three years and save a significant amount in interest.

Simple, automatic, and no big budget changes required.

Want to see what this would look like for your mortgage specifically? Send us a message and let’s run through the numbers.

10/12/2026

Wishing everyone a wonderful Thanksgiving! 🍂

Whether you are gathered around a big table with family, spending time with close friends, or simply enjoying a few days to slow down and recharge, we hope it is a great one.

We are grateful every day for the clients and community that trust us with such an important part of their lives. Happy Thanksgiving! 🧡

Address

325 20178 96th Avenue
Langley, BC
V1M0B2

Website

http://www.jenandcory.ca/

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