Jason Goodwin Mortgage Professional

10/16/2026

YOUR MORTGAGE MAY HAVE A BUILT-IN SHORTCUT

Many mortgages include prepayment privileges, but plenty of homeowners never use them—or know exactly how they work.
Depending on your contract, you may be allowed to:

• Increase your regular payment
• Make an annual lump-sum payment
• Pay a percentage of the original mortgage amount
• Choose accelerated weekly or biweekly payments

Even modest extra payments can reduce the principal and the total interest paid over time.

But check the rules first. Lenders set their own limits, dates and conditions. Going beyond what your mortgage allows could trigger a penalty.

Have a bonus, tax refund or extra cash available? Before putting it toward the mortgage, confirm how much you can pay and when.

A quick contract review can help you use the privilege.

09/25/2026

TWO FIRST-HOME TOOLS CAN WORK TOGETHER

Saving for your first home? You may not have to choose between using an FHSA and the Home Buyers’ Plan.

Eligible buyers can use funds from both programs toward the same qualifying home.

The Home Buyers’ Plan currently allows eligible buyers to withdraw up to $60,000 from an RRSP.

A qualifying FHSA withdrawal can also be used without repayment.

That combination could make a meaningful difference—but contribution limits, withdrawal rules and timing still matter.

And no, opening the accounts the week before possession is not quite the master plan it sounds like.

Before moving money or making an offer, give me a shout!
A little coordination can help you understand:
• How much may be available
• Which withdrawals qualify
• What must eventually be repaid
• How the funds affect your mortgage application

Buying your first home in Alberta? Let’s build the financing plan before you need the down payment.

09/02/2026

BREAKING NEWS:
The Bank of Canada has held its policy rate at 2.25%, as widely expected.

Send a message to learn more

08/28/2026

Comfortable Matters More Than Maximum

The biggest mortgage you can qualify for is not necessarily the mortgage you should take.|

Your payment still needs to leave room for groceries, utilities, property taxes, repairs, family expenses—and actually enjoying your life.

A good mortgage plan considers more than the purchase price. It looks at the full monthly cost and helps you choose a payment that feels sustainable, even when life gets expensive.
Let’s build your home-buying budget around your real life—not just a lender’s maximum number.

Reach out, let’s get started!

08/20/2026

Self-Employed Doesn’t Mean Unqualified

Business owners: your income may not fit neatly into one little box—and that does not automatically mean homeownership is out of reach.

Mortgage lenders may consider several parts of your financial picture, including:

• How long you have been in business
• Your personal and business income
• Credit history
• Down payment
• Business bank statements and financial documents

The key is knowing how to present your full financial story and which lenders are comfortable working with self-employed borrowers.

Before assuming you will not qualify, speak with a mortgage broker who can explore the options with you.

📩 Send me a message to get started.

08/14/2026

Fall Buyers Should Start Now

Thinking about buying a home this fall?

August is the perfect time to get prepared—not the week you find a property you love.

A mortgage pre-approval can help you:
✔ Understand a comfortable price range
✔ Identify any credit or documentation issues early
✔ Estimate your future monthly payments
✔ Make a stronger offer when the right home appears

A pre-approval is not pressure to purchase. It is simply a smarter way to begin.

Ready to see what your options look like? Let’s talk.

08/10/2026

Don’t Auto-Renew Your Mortgage

Your mortgage renewal notice may make things look easy:
sign here, send it back, and carry on.
But easy does not always mean best.

Before renewing, it is worth reviewing your current rate, payment, debt, future plans and the options available through other lenders.

Even a small difference in your mortgage structure can have a meaningful impact over the next few years.

Renewal coming up? Let’s review it before you sign.

📩 Message me to book a complimentary mortgage check-in.

07/31/2026

Summer is one of the busiest times in real estate.

Whether you're thinking about buying, renewing, refinancing, or investing, having your financing lined up early can make the process much smoother.

Even if you're just exploring possibilities, a quick conversation today can save a lot of stress later.

No pressure.
No obligation.

Just honest advice to help you make informed decisions.

📞 Reach out anytime—I'm happy to help.

07/24/2026

A mortgage pre-approval gives you more than a number.
It gives you confidence.

✔️ Know your budget before shopping.
✔️ Lock in an interest rate while you search.
✔️ Make stronger offers when you find "the one."
✔️ Avoid falling in love with a home outside your budget.

Whether you're buying your first home, your next home, or just curious where you stand, a pre-approval is one of the smartest first steps.

Ready when you are.

07/17/2026

Mortgage Myth: "I need 20% down to buy a home."

❌ False.

Many Canadians purchase their first home with much less.
Depending on the purchase price and your situation, you may qualify with as little as 5% down.

The biggest mistake I see?

People waiting years because they think they don't qualify—when they actually do.

If you've been sitting on the sidelines because of this myth, let's talk. It costs nothing to explore your options.