Your equity counts, not just your score
Lenders weigh home equity, income and payment history together. Janet reviews all three before telling you what is realistic, so you are not guessing from a number on an app.
Janet Hong Mortgages
Worried about a missed payment?
A missed payment or a lower score is not the end of the conversation
If you are behind on cards or your credit is not where you would like it to be, Janet looks at your equity and your full situation rather than a single number, then tells you what is realistically available across lenders.
Works with less-than-perfect credit · Debt consolidation options · Newfoundland and Labrador
Janet Hong Mortgage Broker
Your statements, as they are
Bring what you have. Janet reads the full picture before anything goes anywhere.
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.
The worst time to learn your options is after another payment slips. A short call now costs nothing.
Janet starts from your equity, your income and your payment history rather than a single score, and tells you plainly which doors are still open.
A credit score is one number. Your equity is the fuller picture
Missed payments close some doors, not all of them. Janet starts with what you actually have to work with.
Consolidating can lower what you pay each month
Folding higher-interest balances into your mortgage can reduce your monthly cost, though it can also extend how long you carry the debt. Janet runs both numbers so you can compare them.
An earlier conversation keeps more options open
The sooner you look at this, the more lenders are still willing to work with. Janet tells you where you stand before anything is submitted anywhere.
A quiet look before anything is submitted
No credit check for the first conversation.
Janet Hong You send
A rough picture of where things stand: balances, payments, and what your home is worth.
You talk
What your equity and income add up to, and which lenders are realistic for your situation.
You decide
Janet tells you where you stand first. An application only goes in once you say go.
What we offer
- Mortgage Renewals
- First Time Home Buyers
- Mortgage Refinancing
- Investment Properties
- Self-Employed Mortgages
- Home Equity Line of Credit
- Debt Consolidation
Facebook review
“Top rate mortgage broker. Janet goes above & beyond. I highly recommend. I have known Janet for many years & always have 100% trust in her.”
Frequently asked questions
Can Janet help if I have already missed a payment?
Often, yes. A missed payment does not automatically rule out every option. Janet reviews your specific situation before telling you what is realistic.
Will looking at my options hurt my credit?
An initial conversation does not require a credit check. Janet only runs one once you decide to move forward with an application.
What if my credit will not qualify for a typical mortgage?
There are lenders and mortgage products built for less-than-perfect credit. Janet can walk you through what you may still qualify for.
Worried about a missed payment?
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.
- Works with less-than-perfect credit
- Debt consolidation options
- Newfoundland and Labrador
You'll be speaking with Janet Prefer to talk? Call 709-763-1844.