Jess Dusome - Mortgage Broker - BRX Mortgage

Jess Dusome - Mortgage Broker - BRX Mortgage Mortgage Broker
BRX Mortgage Inc., FSRA 13463
ON 🇨🇦

https://linktr.ee/jessdoesmortgages

06/09/2026

Come for a walk with me, and learn about mortgage payments (with a side of gravel road ASMR)

Ever wonder how your mortgage payment is actually calculated? 🤔

Your regular mortgage payment comes down to three key factors:

🏡 Mortgage Amount – The more you borrow, the higher your payment will be.

📉 Interest Rate – Your rate determines how much interest is charged on the balance you owe.

📅 Amortization – This is the length of time your mortgage is scheduled to be paid off. A longer amortization usually means lower payments, while a shorter amortization means higher payments but less interest paid over the life of the mortgage.

Think of it like a balancing act: adjusting any one of these factors can change your payment amount.

That’s why two homeowners with the same mortgage balance can have completely different payments depending on their interest rate and amortization.

Understanding how these pieces work together can help you make informed decisions when buying, refinancing, or renewing your mortgage.

👩🏽‍💼 Jess Dusome | Mortgage Broker💚 BRX Mortgage, Lic.13463📞 705-529-6272📩 [email protected]📍 Simcoe County, ON

06/03/2026

“Switch to biweekly payments and you’ll pay off your mortgage faster.”

Not necessarily 👀

This is one of the most common mortgage myths I hear.

There are actually TWO types of biweekly payments:

📅 Regular Biweekly Payments
Your monthly payment is annualized, then divided into 26 payment periods. This means you pay no extra compared to a monthly schedule, despite paying more regularly.

🚀 Accelerated Biweekly Payments
This is where the magic happens. You pay half of your monthly payment every 2 weeks. Since there’s 2 months in the year with a 3rd biweekly period, you end up making the equivalent of one extra monthly payment over the year.

That extra payment goes directly toward reducing your principal, helping you pay off your mortgage sooner and save interest over the life of the loan.

The takeaway? Don’t assume “biweekly” automatically means “mortgage-free sooner.” Make sure you know whether your payment schedule is regular or accelerated.

A small difference in wording can mean a big difference in how much interest you pay over time 💚

👩🏽‍💼 Jess Dusome | Mortgage Broker
💚 BRX Mortgage, Lic.13463
📞 705-529-6272
📩 [email protected]
📍 Simcoe County, ON

06/01/2026

One of the biggest mistakes homeowners make at renewal time is focusing only on the interest rate 📉 (especially when cash flow is a concern!)

Your mortgage payment is actually determined by THREE key factors:
✅ Mortgage balance
✅ Interest rate
✅ Amortization remaining

With interest rates being higher now than they were 5 years ago, I’m noticing many clients choosing to absorb the increased rate by adjusting their amortization to keep payments within their comfort zone.

A mortgage renewal is the perfect opportunity to realistically assess your monthly cash flow, future goals, upcoming expenses, and overall financial plan.

The right mortgage strategy isn’t just about getting the lowest rate—it’s about creating a payment structure that works for your life today while helping you build wealth for tomorrow.

Before signing that renewal offer, make sure you’re looking beyond the headline rate. Your budget will thank you 💚

👩🏽‍💼 Jess Dusome | Mortgage Broker
💚 BRX Mortgage, Lic.13463
📞 705-529-6272
📩 [email protected]
📍 Simcoe County, ON

Mortgage files just got a new best friend 🤝📂As my business continues to grow, I’ve been very intentional about making su...
05/29/2026

Mortgage files just got a new best friend 🤝📂

As my business continues to grow, I’ve been very intentional about making sure my clients continue to receive the same level of communication, organization, and support throughout the mortgage process. I refuse to let my clients feel the growth of my business.

That’s why I’m excited to officially welcome Jason Williams to the JessDoesMortgages' team as a Document Specialist! 🎉

Jason's role is to keep files organized, documents flowing smoothly, and timelines on track — all to help create an even better experience for my clients from approval to closing. Jason joined the team in March and has been instrumental in improving processes and allowing capacity for more growth.

I’m incredibly grateful for the continued support and referrals that have allowed my business to grow to this point, and I’m beyond excited for this next chapter.

Welcome [officially] to the team, Jason! 👏

👩🏽‍💼 Jess Dusome | Mortgage Broker
💚 BRX Mortgage, Lic.13463
📞 705-529-6272
📩 [email protected]
📍 Simcoe County, ON

05/25/2026

You don’t always need a huge savings account to buy a home 💡

I talk to a lot of buyers who have strong income, stable careers, and great monthly cash flow… but haven’t had the chance to save a massive down payment yet.

The good news? There may be options available depending on your situation 👇

🏡 Using gifted down payment funds from family
🏡 Borrowed down payment strategies
🏡 Leveraging equity from another property
🏡 First-time buyer programs like the FHSA or RRSP Home Buyers’ Plan
🏡 Flexible lending programs for high-income professionals

Every lender looks at down payment differently, and having a solid income can open doors that many buyers don’t realize exist.

The key is having a strategy that works for both qualifying AND long-term affordability — not just getting approved.

If you’re wondering whether buying sooner is possible, it’s worth having the conversation before assuming you need years more of saving 📩

👩🏽‍💼 Jess Dusome | Mortgage Broker
💚 BRX Mortgage, Lic.13463
📞 705-529-6272
📩 [email protected]
📍 Simcoe County, ON

05/19/2026

🏡💰 “How long does a refinance take?”

A refinance is usually faster than buying a home — but it’s still a process with a few important moving pieces.
Here’s a general timeline for a mortgage refinance from start to finish: ⏱️👇

🔹 Discovery Call → 30 minutes
We review your overall situation and goals, and discuss some of the finer details of your situation to see what options make the most sense.

🔹 Document Collection + Review → up to you!
This is usually the stage that impacts timing the most. The faster documents are provided, the smoother the process tends to go.

🔹 Lender Approval → 3ish business days
Some are faster, some are slower… this is mostly dependent on each lender and their current capacity. We can be strategic in which lender we choose to meet the timeline we need.

🔹 Meeting Lender Conditions → 1-2 weeks
Once approved, we work together to meet any conditions set out by the lender. This could be simply signing documents, but could also involve providing additional supporting documents or completing an appraisal.

🔹 Legal Process + Funding → a week or so
Your lawyer or notary finalizes the paperwork, pays out the existing mortgage if needed, and the refinance funds are advanced.

📌 In most cases, refinances take about 3-4 weeks from application to funding — though timelines can vary depending on complexity and lender requirements.

Whether you’re refinancing to consolidate debt, renovate, access equity, or lower payments, planning ahead can make the process much smoother.

👩🏽‍💼 Jess Dusome | Mortgage Broker
💚 BRX Mortgage, Lic.13463
📞 705-529-6272
📩 [email protected]
📍 Simcoe County, ON

05/16/2026

A lot of people don’t realize you can qualify as a first-time home buyer more than once 👀

In Canada, many first-time buyer programs use a 4-year rule — meaning if you (or your spouse) haven’t owned and occupied a home in the current calendar year plus the previous 4 years, you may qualify again 🔄

This can apply if you:

🏡 Sold and rented for several years
🏡 Took a long break from homeownership
🏡 …or even experienced a major life change, like a separation or divorce

Re-qualifying could allow access to programs like:

✔️ RRSP Home Buyers’ Plan
✔️ FHSA eligibility
✔️ 30-year amortizations with less than 20% down

One important note: not all programs follow the same rules. For example, Ontario land transfer tax rebates have stricter eligibility requirements tied to previous homeownership.

This video certainly doesn’t cover all of the specifics, but I can help you better understand your options with a quick conversation and through some handy resources 💬

👩🏽‍💼 Jess Dusome | Mortgage Broker
💚 BRX Mortgage, Lic.13463
📞 705-529-6272
📩 [email protected]
📍 Simcoe County, ON

05/12/2026

Mortgage renewals are about SO much more than just the interest rate 👀

I recently worked with a client where choosing the right mortgage product at renewal saved them cashflow concerns AND forecasted penalty amounts to break their mortgage mid-term (which is part of their life plan!)

At renewal, here are 5 things you NEED to consider before signing the first offer your lender sends:

1️⃣ Penalty structure
Not all mortgages are created equal. Some “great rates” can come with massive penalties if you need to break the mortgage early.

2️⃣ Flexibility
Can you increase payments? Make lump sums? Port the mortgage if you move? Flexibility matters more than people think.

3️⃣ Your future plans
Planning renovations, upsizing, downsizing, investing, separating, or possibly moving within a few years? Your mortgage should support your goals — not work against them.

4️⃣ Monthly payment vs. total cost
A lower payment doesn’t always mean you’re saving money overall. Looking at the bigger picture matters.

5️⃣ Options outside your current lender
Your renewal is one of the BEST times to explore what’s available. There may be better products, features, or savings elsewhere.

The “easy” option isn’t always the best financial decision 💭

A quick conversation can sometimes save thousands.

👩🏽‍💼 Jess Dusome | Mortgage Broker
💚 BRX Mortgage, Lic.13463
📞 705-529-6272
📩 [email protected]
📍 Simcoe County, ON

Buying your first home can feel exciting… and overwhelming all at once 🏡✨There’s so much information, so many moving pie...
05/08/2026

Buying your first home can feel exciting… and overwhelming all at once 🏡✨

There’s so much information, so many moving pieces, and a lot of moments where you just need someone to slow things down and explain it all in a way that actually makes sense.

Reviews like this mean the world to me because my goal has always been to make the mortgage process feel less stressful and more empowering for my clients. I want people to feel supported, informed, and confident every step of the way 💚

So grateful for amazing clients who put their trust in me during such a big life milestone.

👩🏽‍💼 Jess Dusome | Mortgage Broker
💚 BRX Mortgage, Lic.13463
📞 705-529-6272
📩 [email protected]
📍 Simcoe County, ON

Not something I ever expect… but always something I’m so, so grateful for ✨I’ve been nominated for Best Mortgage Broker ...
05/05/2026

Not something I ever expect… but always something I’m so, so grateful for ✨

I’ve been nominated for Best Mortgage Broker in the 2026 Readers’ Choice Awards, and it genuinely means a lot.

This business is built on people — the ones who trust me, refer me, support me, and follow along — and I don’t take any of that for granted.

If we’ve worked together in any way (or even just connected here), you’ve played a part in this, so thank you 💚

If you feel I’ve earned your vote, I’d be incredibly appreciative:
👉 https://best-businesses.thereaderschoice.ca/o/midland/readers-choice-2026-voting/services/best-mortgage-broker-advisor

I see the support, I feel it, and it notice is in every way 🥰

👩🏽‍💼 Jess Dusome | Mortgage Broker
💚 BRX Mortgage, Lic.13463
📞 705-529-6272
📩 [email protected]
📍 Simcoe County, ON

Address

296 King Street
Midland, ON
L4R3M6

Website

Alerts

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

Contact The Business

Send a message to Jess Dusome - Mortgage Broker - BRX Mortgage:

Shortcuts

Share

Category