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Sprout IQ· For Janet Hong Mortgages

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New · needs your OK Ad 01
Renewal is more
than a rate
See its page →
9:41
Janet Hong Mortgages
Janet Hong Mortgages
Sponsored

Your renewal is the one point in your mortgage where you can switch lenders with no penalty, restructure your term, or… See more

Renewal letter just arrived?
It's not just a rate. It's a reset.
Free review · no obligation to switch
1/6
client-jhm.pages.dev
It's not just a rate, it's a reset
Learn more
Bright modern living room
Myth
“Switching lenders means a penalty.”
Fact
At renewal, switching costs nothing. Most people never use that window.
2/6
client-jhm.pages.dev
Switching costs nothing at renewal
Learn more
Reviewing paperwork at a table
Myth
“You just re-sign the same mortgage.”
Fact
Renewal is when you can restructure your term, amortization, or consolidate debt.
3/6
client-jhm.pages.dev
Renewal is your restructuring window
Learn more
St. John's, Newfoundland and Labrador
Newfoundland & Labrador-licensed
Lic. #JH342-1 · St. John's, NL
4/6
client-jhm.pages.dev
Licensed. Multiple lenders compared.
Learn more
YN
Verified client · Yvonne Scandrett Nixon · Facebook recommendation

Top rate mortgage broker. Janet goes above & beyond. I highly recommend. I have known Janet for many years & always have 100% trust in her.

5/6
client-jhm.pages.dev
Above and beyond
Learn more
Janet Hong
Get started
Compare your renewal before you sign
Book now →
6/6
client-jhm.pages.dev
Compare my renewal
Book now
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New · needs your OK Ad 02
First-time buyers
triple myth-buster
See its page →
9:41
Janet Hong Mortgages
Janet Hong Mortgages
Sponsored

Renting because you think you need a huge income, 20 percent down, and perfect credit? For a lot of first-time buyers, none… See more

Think you can't afford a first home?
You might qualify for more than you think.
Free · no cost, no pressure
1/7
client-jhm.pages.dev
You might qualify for more than you think
Learn more
Bright modern living room
Myth
“You need 20 percent down.”
Fact
Government programs can get first-time buyers in for a fraction of that.
2/7
client-jhm.pages.dev
You need less down than you think
Learn more
Reviewing paperwork at a table
Myth
“Your income alone has to cover it.”
Fact
A legal secondary suite's rent can count toward what you qualify for.
3/7
client-jhm.pages.dev
Rental income counts toward qualifying
Learn more
A conversation at the kitchen table
Myth
“Poor credit means no mortgage.”
Fact
There are mortgage products built for less-than-perfect credit too.
4/7
client-jhm.pages.dev
Less-than-perfect credit still qualifies
Learn more
St. John's, Newfoundland and Labrador
Newfoundland & Labrador-licensed
Lic. #JH342-1 · St. John's, NL
5/7
client-jhm.pages.dev
Licensed. Multiple lenders compared.
Learn more
JG
Verified client · Julie Gleghane · Homeowner

I was overwhelmed by the options, but Janet's guidance helped me choose the best mortgage for my needs. I highly recommend her!

6/7
client-jhm.pages.dev
Confident, not overwhelmed
Learn more
Janet Hong
Get started
Let's run your real numbers
Book now →
7/7
client-jhm.pages.dev
Run your real numbers
Book now
LikeCommentShare
New · needs your OK Ad 03
Refinance
with a plan
See its page →
9:41
Janet Hong Mortgages
Janet Hong Mortgages
Sponsored

Thinking about a refinance? See what your equity can actually do before you commit to a number. Consolidating debt, funding… See more

Sitting on equity you're not using?
A refinance can fund the next move, on purpose.
Free equity review · no obligation
1/7
client-jhm.pages.dev
Fund the next move, on purpose
Learn more
Bright modern living room
Myth
“Refinancing is a last resort.”
Fact
Planned well, it funds a renovation, an investment property, or restructures your term on better numbers.
2/7
client-jhm.pages.dev
A plan, not a last resort
Learn more
Reviewing paperwork at a table
Myth
“More equity access always costs you.”
Fact
Janet runs the real numbers first and will tell you not to if it doesn't clearly help.
3/7
client-jhm.pages.dev
The numbers come before the decision
Learn more
A conversation at the kitchen table
Myth
“A HELOC and a refinance are the same thing.”
Fact
They work differently. Janet walks through which one fits what you are trying to do.
4/7
client-jhm.pages.dev
HELOC and refinance are not the same
Learn more
St. John's, Newfoundland and Labrador
Newfoundland & Labrador-licensed
Lic. #JH342-1 · St. John's, NL
5/7
client-jhm.pages.dev
Licensed. Multiple lenders compared.
Learn more
JS
Verified client · Jim Soper · Buyer

Working with Janet made the mortgage process smooth and easy. She was always there to answer my questions, and I felt supported every step of the way.

6/7
client-jhm.pages.dev
Smooth and easy
Learn more
Janet Hong
Get started
Talk through your refinance options
Book now →
7/7
client-jhm.pages.dev
Talk through my refinance
Book now
LikeCommentShare
New · needs your OK Ad 04
Debt consolidation
& poor credit
See its page →
9:41
Janet Hong Mortgages
Janet Hong Mortgages
Sponsored

Behind on payments or worried about your credit? A licensed mortgage professional can show you what's still possible. Poor… See more

Worried about a missed payment?
You still have real options.
No cost to talk · no obligation
1/6
client-jhm.pages.dev
You still have real options
Learn more
A conversation at the kitchen table
Myth
“Poor credit closes the door.”
Fact
Your equity matters more than one number.
2/6
client-jhm.pages.dev
Poor credit isn't the whole story
Learn more
Reviewing paperwork at a table
Myth
“A missed payment means it's too late.”
Fact
The sooner you talk, the more options stay open.
3/6
client-jhm.pages.dev
The sooner you talk, the better
Learn more
St. John's, Newfoundland and Labrador
Newfoundland & Labrador-licensed
Lic. #JH342-1 · St. John's, NL
4/6
client-jhm.pages.dev
Licensed. Multiple lenders compared.
Learn more
YN
Verified client · Yvonne Scandrett Nixon · Facebook recommendation

Top rate mortgage broker. Janet goes above & beyond. I highly recommend. I have known Janet for many years & always have 100% trust in her.

5/6
client-jhm.pages.dev
Someone in your corner
Learn more
Janet Hong
Get started
See whether consolidating is realistic for you
Book now →
6/6
client-jhm.pages.dev
Talk through my options
Book now
LikeCommentShare