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.
Book A Call
Prefer to talk it through first? Schedule a call and we’ll walk through your situation together.
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.
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:
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.
Have some questions?
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
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Have a question?
Fill out the form below & we’ll get right back to you.
We’re trusted by thousands of local families.
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Amazing mortgage brokers to work with. Jonah was amazing and got us an amazing rate. Highly recommend.
Scott C.
January 1, 2023Joel and the team at Family Mortgage was excellent assessing the right mortgage for us and making it possible. All along the process was simple and clear. Thanks you!
Mariano T.
October 14, 2023Had a great experience at Family Mortgage. I was working with Jonah and he was very knowledgeable and always quick to respond to my questions.
Crista
April 4, 2025 -
Highly recommended! As first time home buyers it was a great experience having Joel handle our mortgage. He was so helpful and knowledgeable. He knew what lenders would work for our particular situation and got us great rates. Also he clearly communicated what we should expect at each... read more stage and helped ease any worries we had. He was easy to get a hold of and continued to touch base throughout the process to make sure everything was in order. Thanks Joel and the Family Mortgage Planners for a great experience and helping us get our mortgage for our first home.
Stuart S.
March 1, 2021The 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, 2022Working with Joel at family Mortgage was a wonderful experience, will be recommending to my friends and family.
Sovdi M.
December 11, 2025 -
Working with Joel and team at Family Mortgage Planners made the entire mortgage process so much less stressful. They were super patient, knowledgeable, and always quick to answer our questions (even the small ones). They explained everything clearly and helped us understand what we actually qualified for. Thank you for your... read more help!
Maria T.
November 29, 2025These guys are amazing! They always have all the answers to my questions and have helped me with a mortgage and a refinance in a very speedy manner. Could not recommend them enough their team is just stellar.
Cory R.
June 1, 2022FMP was good to work with and very helpful for us!
Bill D.
September 10, 2023 -
Family Mortgage Planners were phenomenal to work with! They anticipated my questions, and answered everything so quickly I didn’t have time to stress over them! They helped us secure the mortgage on our little heart home! I will recommend Mark & Joel to anyone. I was very happy with everything... read more they did for our family!
Amanda A.
April 7, 2021The Family Mortgage Planners were exceptional! They helped us renew our mortgage & kept us upto date on the changing rates. They made sure they put us with a lender that best fit our needs. I would highly recommend Mark, Jonah or Joel to help with any future mortgage.
Marci H.
May 10, 2024The 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 they also got us an incredible interest rate! I would highly recommend them to anyone going through the home buying experience!
Elise S.
February 26, 2021 -
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, 2023My 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.
March 1, 2022Family 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... read more the Family Mortgage Planner team for any of your mortgage needs!
Chase B.
June 14, 2023 -
This is not the first time that I have used this company for my mortgage. Worked with Mark before, this time Joel was my advisor. Somehow they can always get better rates than other companies. I was very happy with Joel and all his requests to complete my appllication. There... read more was no “after hours” for calls or emails. Always respectful and pleasant. If you need the best in mortgage business the Family Mortgage Planners are hard to beat. Was a pleasure to do business with them.
wojciech g.
March 25, 2025Mark and Joel are the best mortgage brokers out there! They really work hard to get the best deals for their customers. They are so efficient, respond quickly and support clients in the best way possible. I trust them entirely and never doubt that they are advocating for my needs... read more and will secure the best mortgage lender for me. This time they have saved me approx. $700-800 per month! In this economy everyone should contact these brokers as I know I will for sure...live much more comfortably.
Wanda W.
May 18, 2021Mark and his team were super helpful when it was time for me to renew my mortgage. They provided helpful, non-judgemental answers to my questions and provided excellent options for my situation. Thank you so much!
Josh K.
August 28, 2025 -
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 questions or concerns. We will continue to use them for our mortgage needs and I drop their name to all of my friends who are looking for mortgages.
Beau W.
February 14, 2021Family 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 bad advice - something I've become accustomed to when dealing with the big banks. Family Mortgage Planners made this a positive experience at a better rate than our bank offered. Highly recommended.
Patrick G.
August 26, 2025Joel 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 lender who could give us the best interest rate and great loan feautures. Mark guided us to the easy documentation process of our application up to the end. Not only that, they still offered after-sale service to answer any questions even though the mortgage has already been released. They were very helpful, and honest/transparent to every detail of the transactions. I will definitely recommend them to my family members, coworkers, and friends. Five star for you and more power!
8. J.
February 14, 2021 -
Highly recommend. I refer all my real estate clients to them as well as my own personal mortgage!
Elidio A.
January 1, 2023Mark and Joel have helped us get great mortgages multiple times. We often recommend them to people starting out on their real estate ownership journey or investors looking to grow their portfolio. Whichever stage of the real estate game you're in; they'll get you a mortgage to help you reach... read more your goals. Always impressed in what they are able to do!
Glenn S.
December 9, 2025We've purchased 4 homes over the past 15 years and everytime we use Mark, Joel and the team at Family Mortgage Planners. Always professional, friendly, knowledgeable and available to answer any questions we have. They go above and beyond to take the stress out of the mortgage buying process.... read more Great job guys!! Thanks again for all the help.
Clayton B.
November 7, 2021 -
Wonderful People. True compassionate, fast, honest service. Exceeded our expectations both times we required help refinancing our mortgage and using home equity. Thank you!
Terry U.
August 9, 2022Mark Kostelyk is the perfect mortgage broker. He got the job done on his end quickly and any information he needed from me; he asked in a way that didn’t make feel pressured. I know that I got a good deal. Next time I need a mortgage I will... read more be calling him again 🙂
Austin A.
October 30, 2025Highly recommended! As first time home buyers it was a great experience having Joel handle our mortgage. He was so helpful and knowledgeable. He knew what lenders would work for our particular situation and got us great rates. Also he clearly communicated what we should expect at each stage and... read more helped ease any worries we had. He was easy to get a hold of and continued to touch base throughout the process to make sure everything was in order. Thanks Joel and the Family Mortgage Planners for a great experience and helping us get our mortgage for our first home.
Stuart S.
October 20, 2020 -
Joel and Mark were great to work with. Knowledgeable, kind and understanding of our situation as a business owners. Thanks again guys!
Brandley P.
September 16, 2021It was time to renew my mortgage and I went to Joel Kostelyk at Family Mortgage Planners. He got on it right away and within a short time period had a good offer for me. The process was straight forward and efficient, and I found everyone at Family Mortgage Planners... read more a pleasure to work with. Thank you for your help at a time that can be challenging; you made it easy. If you're needing to get or renew a mortgage I recommend you give them a call. Caroline
Caroline H.
August 2, 2022Mark and Joel are one of the best mortgage planners I've interacted and done business with. They are very professional, responsive and dedicated to doing excellent work. They made our mortgage process so seamless and easy. I highly recommend them!
Femi O.
September 7, 2021