Getting started is simple.

Whether you’re buying your first home, renewing your mortgage, or refinancing, our process is designed to keep things clear, organized, and stress-free from day one.

We’re here to help you every step of the way.

When you’re ready, choose the option that fits where you are.

Apply Online

Complete our secure online application and we’ll review your information right away.

Securely apply

Book A Call

Prefer to talk it through first? Schedule a call and we’ll walk through your situation together.

Book A Call

Check out what it’s like to work with us.

A clear process — without the overwhelm.

Family Mortgage Planners provided an outstanding experience from start to finish! They were incredibly responsive—it truly felt like a 24/7 service.

Chinonso O.

STEP ONE

Start the conversation

Every mortgage begins with a conversation.

We’ll take time to understand your financial picture, your timeline, and what you’re hoping to accomplish — whether that’s buying your first home, renewing your current mortgage, refinancing, or planning ahead.

You can begin by completing our secure online application or booking a call with us. From there, we’ll outline the next steps and answer any initial questions so you feel confident moving forward.

No pressure. Just clarity.

Book a Call

Start your Application

STEP TWO

Review & Prepare

Once we receive your information, our team carefully reviews your application together and confirms which documents lenders will require.

We request supporting documents upfront — because this critical step helps prevent delays, surprises, and last-minute stress later in the approval process.

You’ll receive clear instructions and access to our secure portal to upload documents safely. Throughout this phase, we stay responsive and available — keeping you updated so nothing feels unclear.

Our goal is simple: smooth approvals without unnecessary scrambling.

The team was so proactive – they kept me updated regularly with reminders about what was required at each stage.

Toyitan A.

They’re the best mortgage brokers out there! They really work hard to get the best deals for their customers. They saved me approx. $700-800 per month!

Wanda W.

STEP THREE

Secure Your Mortgage

After reviewing your documents, we present your strongest mortgage product and rate options currently available.

We’ll walk you through the differences in plain language so you understand not just the rate, but the structure and long-term impact of your choice.

From there, we can:

Provide a pre-qualification confirmation outlining your maximum purchase price and current rate options
Or submit for final approval based on the mortgage option you choose

From your first application to final funding, we’re with you every step of the way, ensuring everything stays organized and on track.

Smooth. Clear. Stress-free.

Our clients know we always have their best interest in mind.

Clients share over and over again that they receive consistent communication, clear explanations and steady support from start to finish.

“Highly Recommend!”

★ ★ ★ ★ ★

Family Mortgage Planners were excellent to work with. They had me prequalified very quickly and made the process of submitting all the required paperwork really easy.

Once I had made an offer, they got me a great rate and once again got me set up very quickly. I highly recommend the Family Mortgage Planner team for any of your mortgage needs!

Chase B.

“They were exceptional from start to finish.”

★ ★ ★ ★ ★

Mark, Jonah and Joel really made getting the right financial institution for our mortgage easy and without stress.

They were exceptional from start to finish and I am certainly looking forward to working with them in the nearest future.

Afolabi D.

“I felt very well taken care of and supported.”

★ ★ ★ ★ ★

The whole team at Family Mortgage Planners was fantastic to work with. They answered all of our nitty-gritty questions with helpful explanations and additional information.

As first time home buyers my husband and I felt very well taken care of and supported by Family Mortgage Planners.

Sandra H.

Ready to take the first step?

We’ll help you understand your options, prepare properly, and move forward with confidence.

Book a Call

Start your Application

Have some questions?

In Canada, the minimum down payment depends on the purchase price:

– 5% on the first $500,000
– 10% on the portion between $500,000–$1,000,000
– 20% for homes over $1,000,000

Most first-time buyers in Sherwood Park and Edmonton qualify with as little as 5% down.

Type in your answer It depends on your down payment, debts, and current interest rates, but here’s a rough guideline:

$400K home → ~$75K–$90K household income

$500K home → ~$90K–$110K

Every situation is different. We’ll walk you through your exact numbers so you can plan with confidence.

This depends on your comfort level and long-term plans:

Fixed rate: Stability and predictable payments

Variable rate: Historically lower over time, but can fluctuate

We don’t guess – we run real scenarios so you can clearly see which option fits your situation best.

Lenders look at key ratios like:

– Gross Debt Service (GDS)
– Total Debt Service (TDS)

Online calculators only give rough estimates – we’ll show you your real approval amount based on current lender guidelines so you can move forward with confidence.

A mortgage broker shops multiple lenders on your behalf to find the best mortgage that fits with your current and long term goals – not just one bank’s options.

At Family Mortgage Planners, we also:
– Structure your mortgage strategically
– Help you avoid costly mistakes
– Guide you from application to possession

You’re not just getting a rate – you’re getting a plan.

– Pre-approval: 24–48 hours
– Full approval: Typically 3–7 days

We keep things moving quickly so you can confidently make offers when the right home comes up.

Yes – most buyers in Alberta purchase with less than 20% down.

This does require mortgage insurance, but it allows you to get into the market sooner – often years sooner.

We’ll show you exactly what that looks like so you can decide if it makes sense.

Closing costs typically range from 1.5%–3% of the purchase price and may include:

– Legal fees
– Title insurance
– Property tax adjustments

We’ll give you a clear breakdown upfront so there are no surprises.

Yes – this is one of the most important first steps.
A pre-approval:

– Confirms your budget
– Locks in your rate
– Strengthens your offer

It also gives you peace of mind so you can shop with confidence.

The easiest way is to book a quick call with our team.

Then we can:
– Understand your goals
– Walk you through your options
– Give you a clear, personalized plan

No pressure—just clarity.

Ready to get started?

There are several ways we can get started! Regardless of how you reach out, we’ll quickly get back to you & answer your questions!

Call or text us today!

780-907-7207

Book a Call Start your Application

Connect with us!

Have a question?

Fill out the form below & we’ll get right back to you.

We’re trusted by thousands of local families.

Very helpful mortgage brokers! They will answer all your questions and will help you with your application from start to finish. Thanks guys!!

Tricia M.
September 10, 2023

Mark and Joel were competent and always available to answer questions throughout the entire process. Our financing was approved and went through without any problems whatsoever. We’re very thankful to Mark and Joel for making financing a home purchase so easy!

Benjamin W.
March 1, 2021

FMP was good to work with and very helpful for us!

Bill D.
September 10, 2023
Family Mortgage Planners were 100% on the ball. They were recommended by family and we called them as our mortgage term was ending for a second quote. Service was friendly and prompt - more importantly I NEVER had to wait on the phone, be on hold, get conflicting stories or... read more

Patrick G.
August 26, 2025

Excellent service from the first conversation to the last. Very responsive and helpful. I had no worries trusting them with my complex financing requirements. I Highly recommend Their services to anyone looking for a mortgage.

Johnston C.
April 22, 2022

I purchased my home a couple months ago and used the family mortgage planners to help secure financing. The process was so smooth and they were very patient with a first time home buyer! Mark, Jonah & Joel were all very kind and made sure I was well informed... read more

Sam H.
September 14, 2023
Amazing mortgage brokers to work with. Jonah was amazing and got us an amazing rate. Highly recommend.

Scott C.
January 1, 2023

Family Mortgage Planners helped me when I first bought my place, and again when it was time to renew. Really took a lot of the stress out of the process, helped every step of the way, and were very attentive when I had questions. I recommend them to anyone I... read more

Cristin L.
February 1, 2023

Good service, good advice!

Monique A.
October 11, 2025
My mortgage process was fast and seamless. I was able to complete everything online and my broker,Joel, kept me updated throughout the process. I would definitely recommend the Family Mortgage Planners if you are looking for efficient and excellent service.

taiwo a.
April 7, 2021

We are once again thankful to Joel and Jonah for helping us get our home. Their approach towards getting our financing done right from the outset was diligent and professional. Highly recommended for anyone looking to buy a home!

AR B.
May 10, 2024

Mark, Joel, & Jonah were a pleasure to work with for my mortgage. I am a repeat customer & will not hesitate to use Family Mortgage Planners again. They are very professional, reliable, and quick to respond to any questions or concerns. Thank you!

Vickie N.
December 7, 2021
These guys are awesome. They respond very quickly if you have questions or concerns, and they will walk you through anything if you have questions. I would recommend them to anyone needing a mortgage.

Aaron B.
August 16, 2021

The Family mortgage planners made the selling and home buying experience enjoyable and efficient. We are so happy with our new home and interest rate! Mark and Joel were professional and personal which took away any stress that we would have experienced without them. 110% recommended! Mike and Brit

Michael A.
March 1, 2022

We received the most excellent service! Joel was thorough and patient with the particularities of my situation and the whole process went smoother than I could have hoped for. Our real estate lawyer even commented to me that my mortgage broker did an amazing job because it had been ages... read more

Kristin B.
February 8, 2023
The team at Family Mortgage Planners was fantastic to deal with. They made the process easy by staying in touch well and making sure everything was done thoroughly. They explained our options well and made sure we understood and could make the best decision based on our situation.

Ryley S.
May 22, 2022

Mark, Jonah and Joel really made getting the right financial institution for our mortgage easy and without stress. They were exceptional from start to finish and I am certainly looking forward to working with them in the nearest future. Thank you Family Mortgage planners.

Afolabi D.
November 14, 2023

The team at family mortgage was always available to answer questions and offered support to us every step of the way. After being turned down by our long term bank, we felt incredibly discouraged, but family mortgage was able to not only obtain our financing to purchase our forever home,... read more

Elise S.
February 26, 2021
Glad I found family mortgage planners. They are 100% reliable and they go all the way for you and also with you all the way through the process. I will recommend them without thinking twice.

Oladapo D.
December 10, 2023

For the first time purchasing our home, Family Mortgage Team Planners made the process seamless and stress-free. We will undoubtedly seek their assistance again in the future. Highly recommended!

angel n.
October 2, 2025

Jonah is amazingly knowledgeable and answered all my questions.

Mark P.
May 10, 2024
Joel Kostelyk and Mark Kostelyk of Family Morgage Planners provided us high quality service. Mark told us the processing of our application would take less than a week and he was right because we got the conditional approval a day after we submitted all the required documents. They found the... read more

8. J.
February 14, 2021

The team at Family Mortgage Planners are exceptional. They got us a great rate on our house when we first purchased back in 2015, and got us an even better rate when we refinanced in 2020. They are super easy to communicate with and are very helpful at answering any... read more

Beau W.
February 14, 2021

Joel and Mark were excellent and were always there to answer any questions I had!

Joseph R.
November 16, 2021
Great team effort by the guys here! Very prompt and professional. Highly recommended!!

Garth G.
July 26, 2022

Definitely recommend. These guys are reliable, and they make it easy to get a mortgage.

Hugh A.
September 10, 2023

It was a great experience working with Family Mortgage Planners. Joel was with us on every step of the way so we could find the right mortgage that suited our needs and possibilities. I will happily send anyone looking for a mortgage their way. Thank you all.

Mariano T.
October 1, 2022
Mark, Jonah and crew were an invaluable member of our real estate team! They made our journey to finding financing for our home easy and hassle-free. Not only were they patient, accommodating, and kind throughout the process… they also made us feel very comfortable by answering any questions we had... read more

Payton H.
January 1, 2023

Got a great rate on my mortgage. The people at family mortgage are knowledgeable, helpful and very responsive to ally questions.

nicholas s.
June 8, 2022

The team at Family Mortgage led by Mark are great and highly professional, l did not experience any issues working with them. Joel and Jonah did a great job making our mortgage process smooth, l particularly loved the fact that they respond to messages timely and answer any questions... read more

Opeoluwatosin o.
September 14, 2023