Your Mortgage Agent for Life!

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Your Award Winning Brokerage

Google Rating
Based on 169 reviews
Facebook Rating
Based on 59 reviews

Offering you:

  • buying and selling
  • 1st time home buying guidance
  • refinancing and debt solutions
  • rental property investing strategies
  • new credit strategies
  • separation financial plans
  • downsizing and retirement guidance
  • pre-approvals
  • home equity lines of credit
  • new to Canada consultations
  • and more!

Bypass confusion, high rates and hidden costs.

Partnering with, we give you a clear, personal experience to reduce stress, save you time and offer financial confidence. Enjoy the benefits of 25 years of professional mortgage representation.

Making mortgages make sense!

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Did You Know?

We are with you every step of the way. A new way to mortgage. Expect more from your mortgage agent, including:

Speed & Convenience

Agents work around a client’s schedule to help make the transaction as easy and convenient as possible.

Preserve Credit Rating

When you shop for a mortgage, there is an accumulation of lender inquiries on your Credit Bureau Report. This can often affect credit rating and ultimately your Rate and Term of Mortgage.


Whether you are shopping for a mortgage for a new home or refinancing your existing mortgage, an agent can help you obtain a pre-approval. Often the pre-approval can hold up to a 120 day interest rate guarantee.

Competitive Rates

Agents deal with multiple completing lenders and can often access exclusive rates. They also have the power to negotiate rate discounts from lenders, which are passed on to their clients.

Knowledgable Advice

Agents offer consultive service, advice and solutions that are customized to each client’s needs. Unlike other models, mortgage agents work with you and for you.

Walking you through your mortgage step-by-step is really just the beginning of what can grow to be a lifelong relationship. We have the most access to a wide range of mortgage rates, options and the market knowledge to secure competitive rates and terms that benefit you.

Our goal is to meet the needs of our clients and see them through their mortgage transaction, from start to finish. When your mortgage closes, we continue to work for you, sending you updates and reminders, giving you peace of mind that we are only a phone call away.

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They saved us money, it was easy, and their customer service is fantastic!

Brad MacDonald

They make the mortgage process painless!

Erik Schito

There were no questions unanswered or stress.

Mike Pleau

Because a difference needs to be made

In just 15 years, went from an independently run home-office service to a one-of-a-kind storefront. With growth comes oppoutnitiy, and we’re an office that’s more than just mortgages. Founded in an effort to bring together our clietns and community, JCMakes A DIFFERENCE is our very own philanthropic movement.

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One of A Kind Mortgage Office:

299 Manitou Dr. Unit A2, Kitchener, ON N2C 1L5

Tony Velenosi, CFP
Tony Velenosi, C.
15:23 19 May 20
Janna and her team are outstanding professionals. Their communication and teamwork throughout the entire mortgage process are incredible. I would highly recommend JC for your next purchase or refinance.
Brianna Gallant
Brianna G.
19:53 15 May 20
Michelle and the team made our experience so easy! Being first time home buyers everything was easy to understand and fallow, they were able to answer all of our questions and we had plenty! Would definitely recommend to anyone such a great team!
Blake Scott
Blake S.
17:34 15 May 20
My fiance and I worked closely with Michelle Nicol and Carrie Shenkel-Zuber while obtaining our mortgage through JC Mortgages. As first time home buyers we had many questions throughout the mortgage application process. Michelle and Carrie were very patient and quickly responsive to all of our concerns. We always felt much better and in good hands after our conversations with Michelle. They were even there to support us when we were having communicative issues with our lawyer. Overall we were very happy with our service from Michelle, Carrie and everyone else at JC Mortgages!