Pre-approval sets a real budget, not a guess
Janet reviews your income, down payment, and credit up front, so the number you are working with is a real one, not a rough estimate.
Janet Hong Mortgages
Buying your first home?
A straightforward path to your first set of keys
First-time buyers usually have more questions than a bank has time for. Janet walks you through pre-approval, down payment options, and what you can actually afford before you start touring homes.
Free pre-approval · Down payment options explained · Newfoundland and Labrador
Janet Hong Mortgage Broker
Your pre-approval, in writing
A real budget and a held rate on paper before you tour a single home.
Janet Hong arranges mortgages as a broker with First Rate Mortgage NL, Lic. #JH342-1, serving St. John's and the rest of Newfoundland and Labrador.
Most first-time buyers start with a listing they love and work backwards. It is easier the other way around.
Janet sets the budget first and walks through the down payment programs that apply to you, so every home you tour is one you could actually buy.
Know your number before you fall in love with a house
A pre-approval is not just a formality. It is the difference between shopping with confidence and guessing.
Down payment options are broader than most buyers assume
From flexible down payment programs to the First Time Home Buyer Incentive, there is usually more than one path in. Janet walks through what applies to you.
A held rate protects you while you house-hunt
A pre-approval commonly holds a rate for up to 120 days, so a rate move while you are still touring homes does not change your budget.
One conversation before the house hunt
No documents are needed for the first call.
Janet Hong You send
The basics: what you earn, what you have saved, and where you want to buy.
You talk
What you can afford, which down payment programs fit, and what a held rate protects while you look.
You decide
You leave with a number you can trust and a pre-approval path in writing, ready when you are.
What we offer
- Mortgage Renewals
- First Time Home Buyers
- Mortgage Refinancing
- Investment Properties
- Self-Employed Mortgages
- Home Equity Line of Credit
- Debt Consolidation
Verified review
“I was overwhelmed by the options, but Janet's guidance helped me choose the best mortgage for my needs. I highly recommend her!”
Frequently asked questions
How much down payment do I actually need?
It depends on the purchase price and the program. Janet reviews flexible down payment options and CMHC-insured programs to find what fits your situation.
Does a pre-approval cost anything?
No. Getting pre-approved is a free conversation with Janet before you commit to anything.
What if my credit or income situation is not straightforward?
Janet works with newcomers to Canada, self-employed buyers, and non-traditional income situations regularly. Bring the specifics and she will walk through what is realistic.
Buying your first home?
Reserve your spot, then pick a time
Leave your details and we'll hold your spot, then you go straight to the booking page to pick a time that suits you.
- Free pre-approval
- Down payment options explained
- Newfoundland and Labrador
You'll be speaking with Janet Prefer to talk? Call 709-763-1844.