Centum Superior Mortgages

Centum Superior Mortgages At CENTUM, we are always looking out for your best interest!

We are dedicated to guiding you through the mortgage process with ease and ensuring you’re fully informed about your options, whether you’re purchasing, renewing or refinancing.

Your relationship status can influence your mortgage options—but it doesn’t define them. There are solutions for many di...
02/06/2026

Your relationship status can influence your mortgage options—but it doesn’t define them. There are solutions for many different situations.

Your Partner in Home Ownership 🏠
Visit www.centumsuperiormortgages.ca for more information!

Thinking about buying a home together? Understanding how joint mortgage applications work can help you plan with confide...
02/05/2026

Thinking about buying a home together? Understanding how joint mortgage applications work can help you plan with confidence.

Your Partner in Home Ownership 🏠
Visit www.centumsuperiormortgages.ca for more information!

Buying a home as a couple is about more than numbers—it’s about shared goals, timelines, and priorities. February is a g...
02/04/2026

Buying a home as a couple is about more than numbers—it’s about shared goals, timelines, and priorities. February is a great time to start that conversation.

Your Partner in Home Ownership 🏠
Visit www.centumsuperiormortgages.ca for more information!

We are so excited to officially introduce the newest licensed Mortgage Broker to our team, Harleen Kaur! 🏠✨Harleen join...
01/14/2026

We are so excited to officially introduce the newest licensed Mortgage Broker to our team, Harleen Kaur! 🏠✨

Harleen joins us with a strong background in Business and a genuine passion for helping people. She believes that the best part of this industry is the human connection, and her mission aligns perfectly with our values: making homeownership accessible and understandable for everyone.

In Harleen’s own words:

"Whether you are a first-time homebuyer navigating the market, a newcomer making Canada your home, or a self-employed entrepreneur, I’m here to advocate for you. My goal is to make your mortgage process clear, transparent, and stress-free. I don’t just want to find you a rate; I want to help you build a future."

We are thrilled to have her expertise on our side. Let’s make those homeownership goals a reality together!

✨ Have questions for Harleen? Call her at (709) 219-2515, send her an email at [email protected] or visit www.centumsuperiormortgages.ca.

Brokerage License # 13054

A New Era for 2026: Centum Superior Mortgages Welcomes Jason Hopkins Mortgage Broker! 📢We are proud to announce a signif...
01/14/2026

A New Era for 2026: Centum Superior Mortgages Welcomes Jason Hopkins Mortgage Broker! 📢

We are proud to announce a significant expansion of our team and services. Jason Hopkins New Found Mortgage Brokers has officially merged with Centum Superior Mortgages, and we are thrilled to welcome industry veteran Jason Hopkins as our new Managing Partner.

Jason isn’t just a broker; he is a specialist who has mastered every corner of the real estate cycle - from appraisal and title insurance to mortgage origination. With over 20 years of experience and his Accredited Mortgage Professional designation, Jason brings a level of insight that is rare in our industry.

As a Managing Partner, Jason’s mission is twofold:
1) To serve more clientele across Newfoundland and surrounding areas with the best rates and expert advice.
2) To grow our team by bringing on talented brokers who want to elevate their careers under his leadership.

Jason’s philosophy is mortgages simplified, making the largest decision of your life the easiest one. Whether you are a first-time buyer or looking to refinance, he is with you every step of the way, from pre-approval to closing day.

"Relax, and let me get you a better deal." - Jason Hopkins

Connect with Jason:
📱(709) 687-9300
📩 [email protected]
🌐 jhmb.ca
Brokerage License # 13054

Welcome Henry to our Centum Superior Mortgages team!Henry Okeke is a licensed mortgage broker with a background in busin...
01/14/2026

Welcome Henry to our Centum Superior Mortgages team!

Henry Okeke is a licensed mortgage broker with a background in business, finance, and financial advisory services. He focuses on simplifying the mortgage process and guiding clients with clarity and confidence. Henry joined CENTUM for its strong mentorship, trusted brand, and wide lender network.

We can't wait to see what you do with us!

Brokerage License # 13054

Big things are happening at Centum! 🚀We’ve seen incredible growth lately, and that’s all thanks to the powerhouse team l...
01/10/2026

Big things are happening at Centum! 🚀

We’ve seen incredible growth lately, and that’s all thanks to the powerhouse team leading the way. Whether we’re helping a first-time homebuyer find their footing or partnering with top-tier brokers to close complex deals, these are the faces making it happen.

Swipe through to meet our rockstar team ➡️

From seasoned veterans to our newest rising stars, our team is more equipped than ever to handle the fast-paced market.

Why work with us?
- For clients: Unrivaled local expertise and personalized loan solutions.
- For brokers: A culture of growth, better tech, and a team that has your back.

📈 The best time to partner with us was yesterday. The second best time is today.

🔗 Ready to elevate your expectations? Visit www.centumsuperiormortgages.ca to learn more or join the team!

Giving back to the community is so important, and this year, thanks to the generous support of our brokers, owners, agen...
12/16/2025

Giving back to the community is so important, and this year, thanks to the generous support of our brokers, owners, agents, and staff at Century 21 Seller's Choice and Centum Superior Mortgages we were able to make our largest contribution yet to The Salvation Army in Newfoundland & Labrador - Atlantic Division Happy Tree in the Avalon Mall!

We believe every child deserves a little joy this holiday season. The Happy Tree still needs your help! Please consider dropping off a new, unwrapped toy today to help reach their goal.

Century 21 Seller's Choice Inc. | The Local Experts
In Business For Yourself But Not By Yourself
www.c21sellerschoice.ca

We had such a great time Friday at our annual dinner and dance 🥳It was so great to see so many of our agents and brokers...
12/09/2025

We had such a great time Friday at our annual dinner and dance 🥳

It was so great to see so many of our agents and brokers, and the ones who were unable to make it were greatly missed!

A big shout out to the team at the Delta Hotels by Marriott St. John's Conference Centre who are always such great hosts!

Fantastic pictures by the Craig Cole Photography team who are consistently amazing and make us all look fantastic 📸

Are You Ready to Buy Your First Home?Here’s a quick 4-point readiness checklist for first-time buyers:- You have stable ...
11/30/2025

Are You Ready to Buy Your First Home?

Here’s a quick 4-point readiness checklist for first-time buyers:
- You have stable income & job history
- You’ve saved at least 5% down
- Your credit score is 650+
- You’ve explored programs like FHSA + HBP

If you can tick 3+ boxes, you may be closer to buying than you think!
Not sure? Reach out and we’ll walk you through a personalized readiness test.

Not all mortgages are created equalWhen you buy your first home, your mortgage will either be insured or uninsured. Here...
11/29/2025

Not all mortgages are created equal

When you buy your first home, your mortgage will either be insured or uninsured. Here’s the breakdown:

Insured Mortgage
- Required if your down payment is less than 20%
- Maximum home price eligible: up to $1.5M (new 2024 rule)
- You’ll pay mortgage insurance premiums (CMHC, Sagen, or Canada Guaranty)
- Pro: lets you buy with as little as 5% down (Depending on the Purchase Price)
- Pro: Better Interest Rates than an uninsured
- Con: Only allows you to go to a max amortization of 25 years
- Con: adds insurance costs to your monthly payment

Uninsured Mortgage
- For buyers with 20%+ down payment
- No mortgage insurance premium → lower overall cost
- Often more flexible with lenders
- Pro: Can go up to a 30 year amortization
- Con: Worse interest rates than an insured mortgage

As a first-time buyer, most people start with an insured mortgage, since saving 20% can take years. But programs like the FHSA, HBP, and provincial rebates can help you build your down payment faster.

Not sure which you’d qualify for? Reach out and we’ll run the numbers for you!

Hidden Costs First-Time Buyers ForgetIt’s not just the down payment you need to save for…Here are 5 hidden costs first-t...
11/27/2025

Hidden Costs First-Time Buyers Forget

It’s not just the down payment you need to save for…

Here are 5 hidden costs first-time buyers often overlook:

1. Closing costs (legal fees, appraisal)
2. Home inspection
3. Moving expenses
4. Land transfer tax (unless you get a rebate, or are in a province that doesn’t charge this)
5. Utility hook-ups / maintenance buffer

Want me to estimate your closing costs? Reach out today!

Address

136 Crosbie Road Suite 202
St. John's, NL
A1B3K3

Telephone

+17097570031

Website

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