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Jot JhajjEdmonton Mortgage Broker
I help clients in Edmonton and across Alberta make confident mortgage decisions with clear advice, honest guidance, and practical solutions.
5/5 on Google reviews
Client Success Stories
Self-employed
Self-employed buyer after a bank decline
Renewal
Renewal client compared the bank offer
First-time buyer
First-time buyer before home shopping
Find out what your next mortgage step should be
Answer a few quick questions and Jot can follow up with a clearer path for your budget, lender options, and timing.
Fast: Usually takes under two minutes.
Useful: Sends the details needed for a better first call.
No pressure: This is a starting point, not a final approval.
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Mortgage advice built around your goals
I became a mortgage broker to help people achieve homeownership with confidence. I enjoy guiding clients through important financial decisions and finding mortgage solutions that fit their needs. Helping families secure their dream homes and making the process simple, honest, and stress-free is what motivates me every day.
- Brokerage
- Mortgage Architects
- Region served
- Edmonton and surrounding areas, Alberta
- Experience
- Over 6 years of experience with real estate and mortgage files
- Languages
- English, Punjabi, Hindi
- Appointments
- Evening and weekend appointments available
What clients can expect
Friendly first conversation
During the first consultation, clients can expect a friendly, stress-free conversation focused on their financial goals and homeownership plans. I review affordability, rates, options, and next steps so clients feel confident and informed.
Personalized guidance
My approach is built on personalized care, clear explanations, and honest advice tailored to each client. I focus on long-term relationships based on trust, communication, and results, while working hard to make the mortgage process smooth, transparent, and stress-free.
Full-service support
I work with first-time buyers, investors, renewals, refinances, self-employed clients, private lending, construction mortgages, and more.
How it works
1
Connect
Book a call or send the form with your goals, timeline, and contact details.
2
Review
We discuss affordability, rates, documents, and the mortgage path that fits your situation.
3
Compare
I review suitable lender options and explain the tradeoffs in clear language.
4
Move Forward
We work through approval, conditions, closing, renewal, or refinance steps together.
Mortgage Paths
Buying
01From first pre-approval to closing day.
First-Time Home Buyer Mortgages
Clarifies affordability, down payment options, lender requirements, and closing costs.
Home Purchases
Matches the purchase timeline with suitable mortgage options and lender approvals.
New-to-Canada Mortgages
Explains lender paths when Canadian credit history is limited.
Construction Mortgages
Aligns financing with land, builder, budget, draws, and construction milestones.
Optimizing
02Improve the mortgage you already have.
Mortgage Renewals
Helps compare renewal offers against better options across lenders.
Refinancing
Turns home equity into a plan for cash flow, goals, renovations, or financial flexibility.
Debt Consolidation
Can reduce interest costs and simplify monthly payments by using available home equity.
Reverse Mortgages
Provides an option for retirement cash flow without regular mortgage payments.
Bad Credit / Credit Repair Guidance
Creates a practical path toward mortgage readiness or alternative approval options.
Specialized
03More complex files with a clearer lender strategy.
Investment Properties
Structures financing around rental income, cash flow, and portfolio growth.
Commercial Mortgages
Connects business goals with lender criteria for commercial financing.
Self-Employed Mortgages
Presents income clearly so lenders can understand the real strength of the file.
Private Lending
Can help when timing, credit, income, or property details do not fit conventional approval.
Not sure where your file fits?
Talk through your optionsTrusted. Simple. Results.
Trusted guidance
Advice grounded in honest communication and practical lender strategy.
Simple process
Clear next steps from first consultation through approval and closing.
Results focused
Mortgage options tailored to your goals, timeline, and financial picture.
Personal support
Direct help by phone, booking link, evenings, and weekends when needed.
Alberta First-Time Home Buyer Checklist
Mortgage FAQ
How much down payment do I need in Alberta?+
Down payment rules are set federally across Canada. For a home up to $500,000, the minimum is 5%. From $500,000 to $1.5 million, it is 5% on the first $500,000 plus 10% on the remaining amount. Homes at $1.5 million or more generally require at least 20% down. If your down payment is under 20%, mortgage default insurance is usually required.
Should I renew my mortgage with my bank?+
Not automatically. Your bank renewal offer may be convenient, but it is worth comparing rates, terms, prepayment options, penalties, and lender flexibility before signing. A broker can check whether your current offer is competitive or whether switching lenders could make sense.
Can I get approved if I am self-employed?+
Yes, many self-employed clients can qualify. The right path depends on how your income is reported, how long you have been in business, your credit, down payment, and the documents available. Some files use traditional income documents, while others need lenders that better understand business-owner income.
Does getting pre-approved guarantee my mortgage?+
A pre-approval is an important starting point, but it is not a final approval. The lender still has to review the property, documents, income, down payment, credit, and any conditions before funding.
Can a mortgage broker help if my bank declined me?+
Often, yes. A decline from one bank does not mean every lender will say no. A broker can review why the file was declined and look for a better fit, such as a different lender, stronger documentation, a co-signer, more down payment, or a short-term plan to improve approval chances.
When should I start talking to a mortgage broker?+
Start before you are under pressure. For a purchase, it is smart to talk before serious home shopping. For a renewal, start several months before maturity. For refinancing or debt consolidation, start as soon as you want to compare whether the numbers truly make sense.
Start with a free consultation
Preferred contact method: Cell phone
Phone: 825-333-5656 / 604-401-0490
Email: jotjhajjmortgages@gmail.com
Availability: 9 AM to 9 PM, with evening and weekend appointments
Office: 6902 Roper Rd NW, Edmonton, AB T6B 3H9