John Antle, Mortgage Associate - Team Lead · Pineapple National Inc.
Call 403-879-2065 · Call or text: 250-212-8512 (text)
Every service, fully online
One licensed Mortgage Associate - Team Lead, access to 60+ A and alternative lenders and 200+ private lenders, and a process that runs entirely by video, phone and secure upload.
Pre-approval opens Pineapple’s secure online application. Approval is not guaranteed and depends on lender review.
Chinese Garden, Louise McKinney Riverfront Park
Get pre-approved, hold a rate while you shop, and line up the right lender before you write an offer. I coordinate with your realtor and lawyer through closing.
Lender approval required. Any fees are disclosed in writing in advance.
Minimum down payment, CMHC insurance, the FHSA and RRSP Home Buyers’ Plan, closing costs and the stress test, all explained before you start viewing homes.
Lender approval required. Any fees are disclosed in writing in advance.
Compare your lender’s renewal offer with the market about four months before maturity, and switch at renewal if it’s worth it.
Lender approval required. Any fees are disclosed in writing in advance.
Access equity for renovations, debt consolidation or an investment, or change your term or rate type, with any penalty calculated first.
Lender approval required. Any fees are disclosed in writing in advance.
Lenders treat business income in different ways. I match how you earn with lenders whose rules fit, including stated-income programs where appropriate.
Lender approval required. Any fees are disclosed in writing in advance.
For bruised credit, a consumer proposal, high debt ratios or a short-term bridge, alternative and private lenders may help, usually at higher rates and fees and for shorter terms. We always plan the exit back to standard lending.
Lender approval required. Any fees are disclosed in writing in advance.
Homeowners 55 and older can borrow against home equity without regular payments; the balance grows over time and is usually repaid when the home is sold. I compare it honestly with a refinance or a home equity line of credit.
Lender approval required. Any fees are disclosed in writing in advance.
Buying a rental or adding a suite? Lenders count rental income differently, and down payment requirements are higher for non-owner-occupied properties.
Lender approval required. Any fees are disclosed in writing in advance.
Edmonton’s growing edges, from Secord to Glenridding to Beaumont’s newest phases, mean many builder contracts. Longer closings and deposit schedules need the right lender and rate hold.
Lender approval required. Any fees are disclosed in writing in advance.
A lenders are mainstream banks, credit unions and monoline lenders with standard rules. Alternative (Alt-A/B) lenders consider situations outside those rules, usually at higher cost. Private lenders focus on the property and equity, with short terms and higher rates and fees. Each lender decides on its own approvals.
For most residential mortgages, the lender pays the brokerage. If a fee ever applies to your file, you’ll get it in writing before you commit.
Prepayment privileges, portability and how a penalty is calculated can matter as much as the rate. I explain them in plain language.
I deal with the lender, the appraiser and your lawyer’s office, and keep you posted by text, email or call.
Tell me what you’re trying to do on a quick video or phone call and I’ll point you in the right direction.
Approval is not guaranteed and depends on lender review.
General information only. Approval is not guaranteed and depends on lender review.