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Red Deer First Time Home Buyers

Buying a Home in Red Deer? We can have you a Pre-Approval in less then fifteen minutes, Lock in a low mortgage rate in Red Deer, good for 120 days and you can shop with Confidence! We are Red Deer mortgage experts. Call Whalen Mortgages your devoted Red Deer Mortgage Brokers to get you the lowest mortgage rates. We have options for Red Deer zero percent down payment mortgages with a flex down mortgage where you can get a loan for your down payment. We work with the top banks and lenders in Red Deer ensuring we get your deal approved. We help take away the stress of buying a home and make it enjoyable so you can focus on your new home and not the stresses of obtaining financing for your next Red Deer purchase. Call our team of experienced underwriters to get your new mortgage in Red Deer approved with the best terms. We will explain all the lenders so you are not caught with a big penalty if you decide to sell early. Informed decisions are the best. Whalen Mortgages Red Deer has the top Mortgage Brokers in Red Deer and we work for you Not the Banks. 

Mortgage Renewal Red Deer

Red Deer Mortgage Renewal Term at an end? Don’t just sign your banks first offer, let us help you get the best rate in Red Deer! We can transfer your mortgage in Red Deer on Renewal to any lender, we will explain the products each bank and lender offers for Red Deer mortgages and you will pick the product best suited to your needs. We love helping our clients save money on their Red Deer mortgage renewal or transfer and have the top lenders who all compete on rate to ensure we are getting you not only the lowest mortgage rate in Red Deer but also the best mortgage product Red Deer has to offer. Call Whalen Mortgages today your top devoted Mortgage Brokers in all of Red Deer. Our team of dedicated experienced mortgage specialists in Red Deer are ready to help you save tons of money on your Red Deer Mortgage Renewal or Transfer. 

Red Deer Mortgage Refinance

Are you looking to save money? Refinancing your Red Deer home can give you lots of availability to save money monthly! Refinancing your mortgage in Red Deer can help you obtain financial freedom. Whalen Mortgages Red Deer can help you on your next Red Deer Mortgage Refinance, we have multiple lenders who compete on mortgage rate. Call our team of dedicated mortgage Brokers in Red Deer today to get started. How can Refinancing your mortgage in Red Deer help give you financial freedom? You can pay out existing unsecured debts holding higher interest rates and payments. You can extend your amortization to lower your mortgage payments or we can simply save you thousands on a lower mortgage rate for your Red Deer mortgage refinance. 

Red Deer Mortgage Broker : Red Deer Mortgage

We offer preferred mortgages and rates from these lenders and more!

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Red Deer Mortgage Broker : Red Deer Mortgage
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Red Deer Mortgage Broker : Mortgage Broker Red Deer
Term
Rate
1 Year Fixed
2.69%
2 Year Fixed
2.69%
3 Year Fixed
2.69%
4 Year Fixed
2.69%
5 Year Fixed
2.34%
10 Year Fixed
3.79%
Variable Rate
2.60%
LOCK your rate for FREE with our Express 2 Minute Application
Red Deer Mortgage Broker : Red Deer Mortgage

Red Deer Top Mortgage Brokers at Whalen Mortgages Red Deer should be your First Choice when looking for help on your Red Deer Mortgage.  Devoted and Trusted Mortgage Brokers in Red Deer to help with your purchase, mortgage renewal or mortgage refinance to get you the lowest mortgage rates in Red Deer. 

Using our service as Red Deer Mortgage Brokers is free. Our services are paid by the bank and they all have to compete on rates or we simply do not use their service. We get the lowest mortgage rates for our Red Deer clients upfront. Mortgage’s are not complicated and do not need to take weeks to get approved. In less than 24 hours we can have an accepted offer on a property approved by the lender and or the insurer. In as little as 15 minutes we can have you pre-approved for a mortgage and new home purchase in Red Deer and out house shopping. We are your top Red Deer Mortgage brokers and we have a team of highly experienced underwriters to make sure not only do we get your mortgage in Red Deer approved but we get it approved at the lowest mortgage rate Red Deer has to offer. We help position you with the lenders to get your mortgage approved, we present the strengths of the file and help mitigate any risks. We work on over 100 million of mortgages a year and are very versatile with any mortgage situation, this gives us the experience needed to get almost any mortgage approved if it is possible, if not we coach you to get an approval shortly down the road. We are your devoted Mortgage Brokers in Red Deer with the top Mortgage Specialists in Red Deer. 

We can help you find a mortgage lender or bank in Red Deer that will give you the lowest mortgage interest rate on your new purchase or  Red Deer Mortgage Refinance or Debt consolidation loan in Red Deer or your Mortgage Renewal in Red Deer. We’re ready to guide you through the process of getting pre-approved for a Red Deer mortgage before you buy your first home in Red Deer. We know how to help you buy a new home using equity in your current home, whether you want to sell that property or rent it out or simply refinance your existing mortgage in Red Deer. We also have experience with family members helping others buy homes or buying a house for a relative to live in with as little as 5% down payment for your next Red Deer Mortgage. We should be your first choice for your Mortgage Brokers in Red Deer when refinancing or simply transferring a mortgage on renewal, whether the renewal is coming up on your mortgage or you want to get out of that adjustable rate mortgage before interest rates rise. Call your devoted Red Deer Whalen Mortgages today to get your Red Deer Mortgage approval with the lowest mortgage interest rates in Red Deer. We are your Trusted Red Deer Mortgage Brokers working with you for your Mortgage Solution. We explain fixed and variable rate mortgages so you pick one that fits your needs!

Renting in Red Deer is expensive, why not buy your own home in Red Deer for what you pay in rent or even less.  Why should you buy a home now instead of continuing to rent? First, when you buy a home, you’re building equity with every mortgage payment you make on your Red Deer mortgage. You’re paying off the debt and making progress toward owning your home outright. Second, you could probably own a home larger than your current apartment for the same amount of money you’re paying each month in rent. Third, once you lock in a mortgage payment, the rates won’t go up, unlike your rent. Do you love a home in Red Deer but want to renovate the home? We have purchase plus improvements mortgages offered in Red Deer. We have the top mortgage brokers in Red Deer with tons of experience to help you achieve your mortgage goals. 

Whalen Mortgages Red Deer is especially popular with those who have been turned down for a mortgage elsewhere. We know that different Red Deer mortgage lenders have their own, unique criteria for approving a mortgage. Whether you’re self-employed,  have an irregular income or built-in overtime, we know how to find the lowest mortgage rate in Red Deer and ensure that the deal is approved. We think outside the box and know how to mitigate any concerns the lender or bank would have to get your deal approved in Red Deer. 

Red Deer Mortgage Broker

Why should you work with the top Red Deer mortgage brokers like Red Deer Whalen Mortgages? We have experience working with every lender and bank in the area. We can help you find the lowest rate mortgage in all of Red Deer that fits your budget and your needs. If you’re buying a home to live in but may move in the future, let us find you a Red Deer mortgage that is portable. If you want to buy a new home before your current one sells, we’re ready to use the ideal combination of mortgage projects to pull equity by refinancing your current Red Deer mortgage from the current house to raise the down payment for the new home or simply set up a bridge loan for intern mortgage financing while your current Red Deer home sells. If you have the down payment you can rent out the old home and we have amazing rental offset options washing away most of the debt allowing you to qualify for a new mortgage in Red Deer or anywhere across Canada. We do over 100 million of mortgages a year giving our team of dedicated Red Deer Mortgage Brokers tons of past experience to help us navigate through any scenario easily. We are your devoted mortgage brokers in Red Deer and our reviews show what our past clients have to say about our top service and our devoted underwriters. We work around your schedule to help make getting a new mortgage in Red Deer simple and stress free. 

I believe in transparency and ensuring you understand the mortgage you pick. There are some products that do not allow you to take your mortgage with you if you sell your home and want to port your mortgage, some really low rates that come with high penalties if you break your mortgage early. I believe in educating the client on perks and downfalls of the products and rates offered from the top Red Deer banks and lenders. Certain penalties on a $300,000 dollar home if you break your mortgage early can hold a penalty of $17,000 compared to a $4,000 penalty at another Financial Institution Red Deer offers for your mortgage needs. Let me help you get to a lender that fits your needs. A lender you pick after understanding the lenders products. Informed decisions always result in the best outcome. Something that works for you! We can help you on your Red Deer mortgage refinance, Red Deer mortgage renewal or your new home purchase in Red Deer. Our team of dedicated mortgage specialists in Red Deer understands all the lenders in Red Deer and can help lock down the lowest mortgage rate from our top Red Deer Mortgage lenders or Banks. Call our team today to get the best Mortgage Brokers in Red Deer. When the banks say “No”  Whalen Mortgages Red Deer says “Yes”.

I RUN THE BUSINESS OFF PAST MORTGAGE REFERRALS AND ESTABLISH FRIENDSHIPS WITH ALL OUR CLIENTS. I FIND WORKING WITH HONESTY, TRANSPARENCY AND KINDNESS BUILDS THE FRIENDSHIP AND TRUST THAT LASTS FOREVER. THIS IS WHAT I BASE MY BUSINESS AROUND AND IS THE FOUNDATION OF HOW I LIVE MY LIFE.

Our team of dedicated mortgage brokers in Red Deer are problem solvers, we fight hard to get your deal approved. Red Deer Whalen Mortgages exhausts all options and will not stop until we have a mortgage approval on your new home or mortgage refinance in Red Deer.  We will help prepare you for home ownership and give financial coaching and advice to get you where you need to be to purchase a home. We will find different mortgage solutions to allow you to qualify for that house in Red Deer you always wanted. We have options for borrowed down payment also for our mortgage clients in Red Deer. Call Whalen Mortgages Red Deer today to see if you qualify for a borrowed down payment mortgage in Red Deer. We are always available to help you on your next Red Deer mortgage. We love to help our clients, this is the main reason we have a brokerage in Red Deer. To use our Free Red Deer Mortgage Calculators click here. We believe in our clients and will fight to get your mortgage approved.  

Working with Whalen Mortgages Red Deer and our top experienced mortgage specialists you will feel confident in the mortgage and lender/bank you choose. Our team of dedicated Red Deer Mortgage Brokers will help make the financing enjoyable and get you the best mortgage rate in all of Red Deer. If you want to debt consolidate we can look at refinancing your Red Deer Mortgage today! Call our team to get started 587-315-3525.

Red Deer Mortgage Broker

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Start with a pre-approval. Continue with looking at homes with confidence. Then once you find the perfect home we seamlessly get your mortgage on the perfect Red Deer home approved.

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Red Deer Mortgage Broker : Red Deer Mortgage

What perks come with using a Red Deer Mortgage Broker?

We understand the Red Deer real estate market, and we know the Red Deer mortgage rules and restrictions that apply to every mortgage product offered by local banks and credit unions throughout Red Deer. We work with Red Deer clients as well as people from every province in Canada, whether they are moving to Red Deer or commuting to Red Deer to work while using your income from your current employer to buy a home for their families living elsewhere, we have a Red Deer Mortgage Product for you. We are your Trusted Mortgage Specialist in Red Deer. Whalen Mortgages Red Deer has the top Mortgage Brokers in Red Deer to get your new mortgage approved at the lowest mortgage rate Red Deer has to offer. We are familiar with rural properties surrounding Red Deer and how to obtain financing for a hobby farm or a home that has septic and well water. We are your top Red Deer Mortgage Brokers who have the best mortgage specialists in Red Deer to help navigate the mortgage process on your new home purchase or your mortgage refinance in Red Deer. Call us today to get started. We are excited to tell you congrats the home of your dreams and your new mortgage is approved. 

Best Red Deer Mortgage Broker

                                  0% Down Mortgage?

Unfortunately, they have been discontinued however there are products such as the flex down or zero downpayment Red Deer Mortgage with the ability to use your own line of credit for the down payment, restrictions apply.  If you have your own down payment you can get a cash back mortgage, however they have way higher mortgage interest rates. No money down mortgages were discontinued a few years ago. It is no longer an option to bundle mortgages so that you can use one loan to raise the down payment on a new home unless you’re using equity in your existing home as a down payment on your next home. Whalen Mortgages Red Deer knows how to arrange for a mortgage against existing properties so you can buy a new home. We also work with family members providing a down payment for the new home buyer as a gift from the family member or buying a home for a relative to live in with as little as 5% down payment. We understand mortgages in Red Deer and work around the clock to get your new mortgage approved, our highly skilled mortgage brokers in Red Deer work for you Not the Banks.

Can I tap into my RRSP funds as a First time home buyer?

Yes! If you are a first time home buyer, you can withdraw a down payment from the RRSP without being taxed on the withdrawal. If you sold your home and put the money back in your RRSP before renting for 4  years, you have the option of doing it all over again tax-free. Contact your RRSP investor on your eligibility for withdrawing money from your RRSP for a mortgage down payment, and then contact Whalen Mortgages Red Deer to get pre-approved for your new mortgage in Red Deer, our top mortgage specialists are ready to help you obtain your new mortgage in Red Deer or anywhere throughout Canada.

Red Deer Mortgage Broker : Mortgage Red Deer

What are the rules for buying a second home or vacation property?

You can buy a vacation home with as little as 10% down. If you want to buy a home that a family member will live in full time, you can do so with as little as 5% down. We have all your mortgage solutions helping Red Deer clients achieve their mortgage goals for any purchase in Red Deer or anywhere else in Canada.

If I want to buy a rental in Red Deer what should I know?

To buy a rental you will be required to put 20% down payment. Anything less than 20% down requires CMHC or Genworth mortgage insurance and they only support and ensure the house you live in or a family member lives in also known as your primary residence. A rental is an income property and requires a minimum of 20% down payment. Call your devoted Mortgage Brokers in Red Deer at Whalen Mortgages, we are your top Red Deer mortgage experts. We can help you achieve your financial investments with ease, we help take away any stress and simplify the mortgage approval process. Mortgages do not have to be complicated, this is our motto and when you call our team at Red Deer Whalen Mortgages you will see how we make this a simple process. 

Red Deer Mortgage Broker : Mortgage Broker Red Deer

This is not my first home, how much down payment will I need?

You should only need 5% down payment as long as it is your primary residence regardless if it is not your first home purchase. The requirement is it needs to be your primary home or a family members to qualify with as little as 5% down payment. If you start to get over a million in total mortgage exposure or the application as a full is weaker they may want 10% down payment to help mitigate risk! Our highly skilled Mortgage Brokers in Red Deer are ready to help you, call us today!

What are my options if I have a house and want to turn it into a rental?

If you’re buying a new home in Red Deer or elsewhere as a primary residence and want to rent out the old property, you can do so with as little as five percent down on the new property. Our rental offset options allow you to wash away the debt of the old home and mortgage to free up your debt load when buying a new home. We are your first choice for your trusted Red Deer Mortgage Brokers!

Red Deer Mortgage Broker : Red Deer Mortgage

Do you work with lenders that support housing programs/incentives?

Another benefit of working with a local Red Deer mortgage broker is the fact that we understand the house programs and incentives employers in our area offer. We know how to properly utilize a living allowance, down payment assistance or mortgage subsidy when applying for a mortgage to ensure you qualify for the home you want. We also know how to minimize the odds of rejection because you didn’t know how to list your driving allowance, built-in overtime, shift differentials or bonuses on your mortgage application. Just leaving off one of these line items could prevent you from qualifying for a mortgage because of your debt to income ratio. We are ready to help you get approved for your Red Deer Mortgage today at the lowest mortgage rates in all of Red Deer. 

Why should I use a Red Deer Mortgage Broker?

Mortgage Brokers are independent of the bank and use multiple lenders to get the best interest rate for your Red Deer Mortgage. All the lenders compete on rates.  I believe in informing the clients of all the products available and restrictions or perks each lender offers.
Mortgage lenders throughout Red Deer and across Canada have many different specialized mortgage products to fit different client’s needs. I can work on your mortgage in any province however we specialize in Red Deer Mortgages as we know the area. I can with a mortgage refinance on your Red Deer home with the lowest mortgage rates. We can also help renew your Red Deer Mortgage for the best mortgage rates Red Deer lenders and banks have to offer. 
As a Red Deer Mortgage Broker, we understand how those products apply in our unique market where overtime, bonuses, housing allowance and shift differential income are common. As the top Red Deer Mortgage Specialist and expert, our team of dedicated underwriters understand each mortgage is unique and will keep on top of all the changes to ensure we find a mortgage that fits your needs.
Whalen Mortgages Red Deer work around your schedule and are always available, if you call expect a call back in 10 minutes. No waiting for appointments or approvals. Let our team of top mortgage brokers in Red Deer get you pre-approved in less then 15 minutes. Our clients are the top priority. Remember we work for you, not the Banks!  We want to tell you congratulations the house is yours, this is the primary reason we love our job. Check out more about Whalen Mortgages Red Deer your devoted, trusted Red Deer Mortgage Brokers

We have mortgage brokers in Grande Prairie also please click here

 

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Raving Client Reviews

We thought buying a house wasn’t going be an option for a few more years, however with the knowledge and helpful direction by Jodi we were in our own home within 90 days. Excellent service and a delightful person to work with. We highly recommend her.

Allison Mckray

Working with Jodi has been a great experience. My wife and I have used Jodi’s services to obtain two mortgages and both times Jodi was knowledgeable, organized, and quick to resolve any issues that popped up. If you are looking for a hassle free mortgage approval contact Jodi.

Trent Stump

The most helpful lady I have met! She helped me and my fiancé buy our first home together! After trying another broker and a bank broker they both wanted me to sign a contract which scared me. I talked to Jodi who reassured me that there would be no obligation to stick with her if I was unhappy. I decided to work with Jodi, she got me the best interest rate and lender!

Jodi helped my financing and it seemed like a breeze! Spending much time going over things I didn’t understand, making me feel very comfortable working with her knowing she was out to help me not make a sale.

You are making the best decision to work with Jodi!

Thank you again Jodi!

Venassa Heldge

Jodi by far exceeds my expectations with any real estate transaction or mortgage approval. As a realtor I have seen many banks and mortgage brokers and I can say without any hesitation Jodi is the best I have ever seen. Her approval time is the fastest I have ever seen and her communication skills are exceptional. You will always know what is going on during your mortgage approval. Jodi always gets the deal approved when the banks struggle. I recommend her with the highest confidence, knowing how hard she works you will not be disappointed. 

Jenn, Realtor

Real Estate Agent