A Simple Way To Understand Your Mortgage
Feel like no one’s explaining your mortgage? We turn complexity into confidence with real education, personalized guidance, and no hard sales.
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Lenders Available
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Hidden Fees
LIFETIME
Mortgage Support
Julia Fontan
Mortgage Associate
Buying a home is one of the biggest financial decisions you’ll ever make, and it shouldn’t feel confusing or overwhelming.
I bring a unique blend of licensed mortgage expertise, underwriting experience, and real-world perspective from helping hundreds of clients navigate complex mortgage decisions. Having purchased multiple homes myself and worked on the underwriting side, I understand both what works on paper and what truly works for real people.
As a former newcomer to Canada, I know how intimidating financial systems, credit rules, and unfamiliar terminology can feel. That experience shaped how I work: education first, clear explanations, and no assumptions.
My focus is simple, thoughtful structuring, transparent guidance, and proactive planning so your mortgage supports your life, not complicates it. Whether you’re buying your first home, refinancing, or planning your next move, my goal is to make sure you feel confident, informed, and supported every step of the way — long after the deal is done.
This isn’t about transactions. It’s about building something solid, together.
How can I help you?
No pressure. No guesswork. Just expert support, clear answers, and a plan that fits your goals.
Education-First Guidance
Transparent Communication
No ghosting. No surprises. Just clear, honest updates and fast replies that help you breathe easier, knowing someone is always looking out for you.
Alberta Market Expertise
Portuguese-Language Support
Lifetime Mortgage Care
From tracking your home’s value for future refinances to renewal reminders, we help you stay ready for whatever’s next. When your goals shift, your mortgage will too — and we’ll be here to guide you every step of the way.
Efficiency That Respects Your Time
Download My Mortgage Toolbox App and get access to all premium tools to help plan your mortgage.
- Calculate your total cost of owning a home
- Estimate the minimum down payment you need
- Calculate Land transfer taxes and the available rebates
- Calculate the maximum loan you can borrow
- Stress test your mortgage
- Estimate your Closing costs
- Compare your options side by side
- Search for the best mortgage rates
- Email Summary reports (PDF)
- Use my app in English, French, Spanish, Hindi and Chinese.
What Our Clients Are Saying
Frequently Asked Questions
You need 5% down on the first $500,000, 10% on the remaining $500,000 to $1,499,999, and 20% when the price hits $1.5 million or more.
Most traditional lenders in Canada want a minimum of 680 credit score for their best products, but there are alternative and private lender options if your score is lower.
You must qualify at the higher of your rate + 2 % or 5.25% — whichever is greater.
Choose fixed for payment certainty; go variable if you can handle rate swings and prefer lower early-break penalties (three months’ interest vs. IRD).
Bring government ID, recent pay stubs or two-year tax returns and 90-day bank statement for your down payment.
Budget 1.5% – 4% of the purchase price for legal fees, title insurance, appraisal, and property-tax adjustments.
Once we have all documents, lenders usually issue full approval within 2 – 4 days.
Want Clarity Before Committing? We’ll Walk You Through It.
Let’s start with a quick discovery meeting to understand your goals and make sure we are the right fit. No pressure, just a helpful conversation.