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My Rates

6 Months 3.30%
1 Year 2.69%
2 Years 2.69%
3 Years 2.64%
4 Years 2.74%
5 Years 2.54%
7 Years 2.99%
10 Years 3.40%
*Rates subject to change and OAC
AGENT LICENSE ID
501701
Terri Kettner Mortgage Broker

Terri Kettner

Mortgage Broker


Address:
8411 17A Street, Dawson Creek, British Columbia

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I'm your local mortgage broker in the North!  My official company address of the brokerage I'm signed up with is out of Burnaby but I live & work here in the Peace Region locally!  I'm licenced to provide mortgage services throughout the province of BC & AB so if you live in or near Dawson Creek, Grande Prairie or live in Edmonton or Vancouver I can assist you! Shop for a home with confidence, get preapproved first! 

 

One application, one credit check and I shop for the very best rates and terms available!  I have access to over 30 lenders and mortgage rates can change daily so get your application in and have the rate held from 90-120 days!

 

Whether you are buying your first home or making a move to your next home I'm here to assist you with your mortgage needs.  Fast pre-approvals, personal service, same day appointments or work with me remotely! Assisting clients in Dawson Creek, Fort St John, Chetwynd, Tumbler Ridge, Mackenzie, Prince George, Terrace, Kamloops, Grande Prairie, Edson, Beaverlodge, Whitecourt...... 

 

Do you need to refinance your home and use your equity? I have lenders offering amazing rates for refinancing, call me and let's chat!  OAC, terms & conditions may apply.

 

Sometimes life happens and you find yourself in a credit situation where you may have a high amount of debt or you owe CRA for back taxes.  We do have private lenders for those situations and depending on how much equity you have in your home this might be an option for you! Just call or email me for details.

 

If you already own a property and it's mortgage renewal time, make sure you give me a call before you sign the renewal from your current bank or lender. There is a good possibility that I can get you a better overall package when we consider term, rate, and early pay out penalties, my goal is to keep as much of your hard earned money in your pocket!  We even have lenders that will switch you for no cost.

 

Are you thinking of buying an investment property? I can help you with that as well!  We have lenders available that will mortgage more 'doors' than most big banks!

 

Mortgages, home equity/debt consolidation, refinancing, investment properties, new to Canada, mortgage plus improvements, private or 2nd mortgages - I'm here to help and answer any questions you may have!

 

Call me anytime 250-219-2323 with any questions or to fill out an application over the phone.  In person meetings are by appointment only because I work from my home office or work with me remotely!

 

#dawsoncreekmortgagebroker #grandeprairiemortgagebroker #fortstjohnmortgagebroker #realestate #mortgage #interestrates

 


BLOG / NEWS Updates

NEW TO CANADA - TIPS YOU SHOULD KNOW WHEN BUYING

If you are new to Canada, applied for your social insurance number, have found employment hope to buy a home please take note of the following so you can qualify for a mortgage sooner. ☑️ Find a full time job with guaranteed hours ☑️Open bank account to start saving for down payment, usually 5% is minimum required ☑️Apply for a credit card, if you dont qualify right away you can apply for a secured card through companies like Capital One MasterCard ☑️Make sure your name is on at least 2 utility bills or cell phone bill ☑️Have your name on the rental agreement for current home ☑️Pay your bills on time to start establishing credit Most lenders will allow New to Canada applicants to use alternate credit to qualify. Clients are usually asked for 12 months of bank statement to show utility bills and rent payments so please either pay these bills with cheques or by online banking when possible. If you pay cash for rent or any other utilities please have your receipts available. Down payment can be gifted by an immediate family member but if funds are coming from another country we must have a paper trail showing transfer details. The following are most common documents you will also be asked to provide when applying for a mortgage: ☑️Complete a mortgage application listing employment info, all debts assets ☑️ most recent pay stub, letter of employment ☑️Notice of Assessment from CRA for last 2 years if youve filed taxes here in Canada ☑️Proof of down payment, 3 months banks statements showing where funds are, if gifted funds a gift letter is required If you have any questions please dont hesitate to ask! Lets get you into a home soon! 250-219-2323 or email me at terrik@paragonmortgage.ca #dawsoncreekmortgagebroker #grandeprairiemortgagebroker #realestate #mortgage #newtocanada #financing #applyforamortgage #verico

NEW TO CANADA - TIPS YOU SHOULD KNOW WHEN BUYING

If you are new to Canada, applied for your social insurance number, have found employment hope to buy a home please take note of the following so you can qualify for a mortgage sooner. ☑️ Find a full time job with guaranteed hours ☑️Open bank account to start saving for down payment, usually 5% is minimum required ☑️Apply for a credit card, if you dont qualify right away you can apply for a secured card through companies like Capital One MasterCard ☑️Make sure your name is on at least 2 utility bills or cell phone bill ☑️Have your name on the rental agreement for current home ☑️Pay your bills on time to start establishing credit Most lenders will allow New to Canada applicants to use alternate credit to qualify. Clients are usually asked for 12 months of bank statement to show utility bills and rent payments so please either pay these bills with cheques or by online banking when possible. If you pay cash for rent or any other utilities please have your receipts available. Down payment can be gifted by an immediate family member but if funds are coming from another country we must have a paper trail showing transfer details. The following are most common documents you will also be asked to provide when applying for a mortgage: ☑️Complete a mortgage application listing employment info, all debts assets ☑️ most recent pay stub, letter of employment ☑️Notice of Assessment from CRA for last 2 years if youve filed taxes here in Canada ☑️Proof of down payment, 3 months banks statements showing where funds are, if gifted funds a gift letter is required If you have any questions please dont hesitate to ask! Lets get you into a home soon! 250-219-2323 or email me at terrik@paragonmortgage.ca #dawsoncreekmortgagebroker #grandeprairiemortgagebroker #realestate #mortgage #newtocanada #financing #applyforamortgage #verico

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