Why Choose Jeff Whitmell As Your Mortgage Broker For Life?
As a trusted Guelph mortgage broker, Jeff Whitmell has helped hundreds of families secure the right mortgage for their unique situation. Unlike banks that offer limited products, we work with over 50 top-rated lending partners to find you the best rates and terms available in Ontario.
Whether you're a first-time home buyer navigating the market, looking to refinance for better rates, or exploring reverse mortgage options for retirement, Jeff will take the time to understand your short-term and long-term financial goals. Our personalized approach means you get a custom mortgage solution tailored to your needs—not a one-size-fits-all product.
With a 5-star rating and 192 reviews, our clients trust us to deliver expert guidance, transparent advice, and exceptional service throughout the entire mortgage process.
We've got a lender for that!
Over 50 Top-Rated Lending Partners
Frequently Asked Questions For Jeff
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**How much do I need for a down payment?**
For homes under $500,000, you need a minimum 5% down payment. For homes over $500,000, you need 5% on the first $500K and 10% on the remaining amount.
**What credit score do I need to qualify?**
Most lenders prefer a credit score of 650 or higher, but we work with lending partners who can approve mortgages with scores as low as 550. We'll help you understand your options based on your credit profile.
**How long does mortgage approval take?**
Pre-approval can happen within 24-48 hours. Full approval typically takes 7-14 days depending on your documentation and the lender. We work efficiently to get you approved fast.
**Do mortgage brokers charge fees?**
No! Our services are completely free to you when I place your mortgage with a bank or prime broker lender. We're paid by the lenders when your mortgage funds, so there's no cost to work with Diamond Mortgage Group. OAC
**Can I get a mortgage if I'm self-employed?**
Absolutely. We specialize in self-employed mortgages and work with lenders who understand alternative income verification. We'll help you present your income in the best light possible.
**What's the difference between fixed and variable rates?**
Fixed rates stay the same for your entire term (typically 5 years), giving you payment certainty. Variable rates fluctuate with the prime rate and can save you money if rates drop, but carry more risk if rates rise. We'll help you decide which is best for your situation.
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