Mortgages by Janice

Mortgages by Janice Your mortgage is more than just a loan-it’s a wealth-building tool. Let’s turn your home financing into a strategic advantage! Contact Janice today to see how!!

I’m here to help you make the smartest financial move, maximize savings, and secure the best deal possible. Janice is a Mortgage Broker who's focus for her clients is to save them $1000.00's of dollars on interest.

Love is love. Home is home. Everyone belongs.We believe in building a world and a mortgage industry where everyone feels...
06/01/2026

Love is love. Home is home. Everyone belongs.

We believe in building a world and a mortgage industry where everyone feels seen, supported, and celebrated.

This Pride Month, we stand with the 2SLGBTQIA+ community in honouring the strength, resilience, and joy that continue to shape our communities.

🏳️‍🌈 Here’s to creating space, lifting each other up, and making sure everyone has a place to call home.

What’s the difference? Monoline lenders are financial institutions that offer mortgage products exclusively through mort...
05/27/2026

What’s the difference?

Monoline lenders are financial institutions that offer mortgage products exclusively through mortgage agents (brokers). Unlike banks, they don’t offer chequing accounts or credit cards. That means no retail branches, lower overhead, and often more competitive mortgage rates and flexible terms.

Working with a licensed mortgage agent (broker) means you have access to both monoline lenders and traditional banks. Whether you're a first-time buyer, self-employed, new to Canada, or looking to renew, refinance, or invest, a licensed agent (broker) can help you compare all your options and find the right fit.

📲 Want to understand which lending option is right for you? Let’s connect.



https://www.mortgagesbyjanice.com

Treat every renewal like your first mortgage. Too many homeowners simply sign back the offer their lender sends without ...
05/26/2026

Treat every renewal like your first mortgage.

Too many homeowners simply sign back the offer their lender sends without exploring what else is available. Every renewal is an opportunity to reassess your goals, explore your options, and make sure your mortgage still fits your life — so don't let it be a rubber stamp moment.

Starting your review 3 to 6 months early gives you the time and flexibility to compare lenders, revisit your goals, and make the right decision without the pressure.

📅 Don't just sign back the first offer you receive — connect with a licensed mortgage agent who works for you and make your next term your best one yet.



https://www.mortgagesbyjanice.com

Your home is worth protecting — but so is everything inside it. 🏡 Mortgage payment protection is designed to keep your p...
05/21/2026

Your home is worth protecting — but so is everything inside it. 🏡

Mortgage payment protection is designed to keep your payments covered if life takes an unexpected turn — whether that's job loss, illness, injury, or the unthinkable. In today's economic climate, that peace of mind matters more than ever.

Whether you're buying your first home, refinancing, renewing, investing, or building a new life in Canada, the right protection plan ensures your financial goals stay on track no matter what comes your way.

A Mortgage Protection Plan is more than a life insurance policy — it's a safety net for the people and the future you're building.

➡️ Let's talk about the right layer of protection for you and those you love.



https://www.mortgagesbyjanice.com

Your income tells a story — and it may be more mortgage-worthy than you think. Many applicants are surprised to learn th...
05/18/2026

Your income tells a story — and it may be more mortgage-worthy than you think.

Many applicants are surprised to learn that non-traditional income sources like the Canada Child Benefit, spousal or child support, maternity or parental leave, and even foster care income may count toward your mortgage eligibility depending on the lender.
Every situation is different, and not all lenders assess income the same way. That's where we come in. As licensed mortgage agents, we take the time to understand your full financial picture and match you with the lender that works best for you.

Let's review your income sources together and find the right fit!



https://www.mortgagesbyjanice.com

🏠 Rental Income and Using It Help You Qualify for a Mortgage. If you earn rental income from a secondary suite, investme...
05/14/2026

🏠 Rental Income and Using It Help You Qualify for a Mortgage.

If you earn rental income from a secondary suite, investment and/or multi-unit property; lenders may consider a percentage of this income toward mortgage qualification.

Depending on the lender, 50% to 100% of verified rental income could be added to your total income to help improve affordability, boost your approval odds, or increase your purchasing power.

Connect with us today to discover how your rental/investment income can improve your mortgage options.



https://www.mortgagesbyjanice.com

Happy birthday to this girl! May your day be full of fun and love and relaxation!
05/13/2026

Happy birthday to this girl! May your day be full of fun and love and relaxation!

Your Term is how long your rate and mortgage conditions are locked-in. While many Canadian borrowers choose a 5-year ter...
05/12/2026

Your Term is how long your rate and mortgage conditions are locked-in. While many Canadian borrowers choose a 5-year term, shorter and longer options exist depending on your goals and market conditions.

Your Amortization is the total time to pay off your mortgage (with regular payments). Most are set at 25 years, though some buyers, including first-time buyers, and those purchasing new builds, may have access to 30-year amortizations (longer amortizations can lower monthly payments but increase total interest over time).

Choosing the right amortization can impact both affordability today and cost over the life of your mortgage. Pairing that with the right term helps ensure your mortgage stays aligned with your plans as things change.

📞Before you lock in a rate or commit to a lender, talk to a licensed mortgage agent first. Unlike a bank, a mortgage agent works for you — not the lender — ensuring your mortgage is structured around your goals from day one.

📲 Like, follow, or share to stay informed and empowered.



https://www.mortgagesbyjanice.com

Today we celebrate the mothers, grandmothers, stepmoms, and every incredible woman who shows up with love, strength, and...
05/10/2026

Today we celebrate the mothers, grandmothers, stepmoms, and every incredible woman who shows up with love, strength, and grace — in both the big moments and the quiet ones. 💐

You are the heart of the home and the force behind so many dreams. Today is yours — we hope it's filled with all the recognition, rest, and love you deserve.

Happy Mother's Day from all of us at Indi. 💛



https://www.mortgagesbyjanice.com

Address

# 2 3010 32 Street S
Lethbridge, AB
T1K7B4

Telephone

+14033089764

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