Joline Cloutier - Mortgage Broker

Joline Cloutier - Mortgage Broker Mortgage Brokers BRX mortgages in Moncton - Here to serve you with all your mortgage needs! Our clients love our down to earth approach and efficiency.

We are always there to help you before, during and after your mortgage transaction. We give you honest advice about your mortgage and the options available for you - saving you TIME and MONEY. Et oui, notre service est disponible en Francais! :)

05/13/2026

To us, it’s never “just” a mortgage. 🏡✨

Send us a DM if you need help navigating the mortgage world.
🤓👋

That is our superpower. 💫

Last week, a REALTOR® told my clients who had found a house they loved but hadn’t put their house on the market yet: “ju...
04/01/2026

Last week, a REALTOR® told my clients who had found a house they loved but hadn’t put their house on the market yet: “just get a bridge loan.”

Respectfully… that’s not how this works 🤓

✅ A bridge loan only works when:

You have a FIRM offer to purchase on the home you’re selling AND the one you’re buying + have a closing date mismatch

It’s simply a short-term loan to “bridge” the downpayment money coming from the sale of your home IF the closing cannot happen before your purchase.

🚫 It is NOT
“buy now, figure it out later” plan
“we’ll sell eventually” strategy
Some kind of magic loophole

If your house isn’t even on the market yet… we are not bridging anything 😅

Moral of the story👇

Always ask your mortgage broker first.

…and please do not take mortgage advice from someone who isn’t a licensed mortgage professional. Kapish? 🤓👍

BRX Mortgage

04/01/2026

You get the real me.
…with a high volume of emojis
🤗🤠🏋🏻‍♀️💃🏻🤓👋💃🏻🙌🏻✨

BRX Mortgage




🏡 2026 is the year of the mortgage renewal 👀Back in 2021, many homeowners locked in 5-year fixed rates around 1–2%… basi...
03/13/2026

🏡 2026 is the year of the mortgage renewal 👀

Back in 2021, many homeowners locked in 5-year fixed rates around 1–2%… basically the mortgage lottery. 🎟️

Fast forward to now… those terms are coming up for renewal in 2026.

ANDDD many people who renewed in 2023 went with a 3-year fixed rate - they are ALSO up for renewal this year.

So 2026 is going to be a busy renewal season.
It already is 🏃🏻‍♀️💨

If your mortgage is renewing this year, you might be wondering:

🤔 Fixed or variable?
📅 3-year or 5-year term?

The truth is… there’s not one right answer.
It all depends on things like:

• Are you planning to sell soon or stay long term?
• Do you have equity in your home?
• Debts you’d like to consolidate?
• Renovations coming up?
• Is your goal to pay off your mortgage faster or improve monthly cash flow?

Every situation is different - which is why it’s worth having a conversation before you renew.

I’m always happy to help you explore your options. Feel free to DM your questions 📩

03/12/2026

💡 Homeowners - this could save you a lot of money every month and thousands per year.

If you own a home 🏡 and are carrying unsecured debt like credit cards, loans or line of credits 💳, refinancing your mortgage can sometimes be the best way to restructure your cash flow.

In some cases, it can mean saving hundreds - even thousands per month 💰

Every situation is different, but if you’re wondering whether this could work for you, send me a DM 📩 and I’d be happy to answer your questions. 🤓✨

👋 Look at us. 🤭✨ Our team is killing it! 💪 #1 - Mortgage units in Feb✨ #3 - Perfect compliance packages sent✨ #5 - Mortg...
03/11/2026

👋 Look at us. 🤭✨ Our team is killing it! 💪

#1 - Mortgage units in Feb✨
#3 - Perfect compliance packages sent✨
#5 - Mortgage Volume in Feb✨

This is within BRX Mortgage in Canada (400+ agents) 👏👏👏

02/09/2026

Fun fact: We always celebrate every clients file with a high five at closing day. 🖐️ 👯‍♀️

👋 The Money Buddha Podcast with Alessandra Ocampo 🎙️✨This woman is a powerhouse AND one of the most down-to-earth, value...
01/30/2026

👋 The Money Buddha Podcast with Alessandra Ocampo 🎙️✨

This woman is a powerhouse AND one of the most down-to-earth, values-driven humans you could ever meet. The kind of leader who works incredibly hard, builds real culture, and makes sure her team actually enjoys the journey along the way. 👏

…we talked about doing business differently💥

Her path from passing the bar to working days, serving nights, and networking her way into real estate law ⚖️

Building a law firm with intention, integrity, and fun 💼

Unapologetically scheduling life, travel, and family into the calendar - not as an afterthought ✈️

Alessandra is proof that success doesn’t have to mean burnout, hustle-for-the-sake-of-hustle, or sacrificing what matters most. You can be ambitious, kind, disciplined, and still leave space for joy.💃🏻✨

🎧 Listen here: https://open.spotify.com/episode/3zIaoK2iydoBHsfOD1LtDZ?si=sJmyOqmER9CLzGcWYJ_F9A



✨💛

01/16/2026

🏡 Finding the right mortgage broker makes you feel lighter because it’s not just about rates.

It’s saving money through a refinance 💸
It’s having someone you trust in your corner 🤝
It’s being cheered on, not judged

And knowing you don’t have to figure it out alone ✨

Mortgages should feel supportive - not stressful 🤍

I love reminders like this.👇🏻Making money does not have to be complicated. Keep it simple. And consistent.
01/07/2026

I love reminders like this.👇🏻

Making money does not have to be complicated. Keep it simple. And consistent.

Address

44 Harris Avenue, Unit 7
Moncton, NB
E1C4N6

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:30pm

Telephone

+15068638761

Website

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