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:

  • 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.

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

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.

  • Great rates. Good people. Professional service. I wish they provided more advice based on your situation. But if you know why you want and why it’s best for you, that might not matter.

    Braden Bulmer Avatar Braden B.
    May 16, 2022

    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 Granger Avatar Patrick G.
    August 26, 2025

    Very good people,helped me successfully get my mortgage. I would recommend them to anyone who needs financing for a mortgage.

    Ahmed Yussuf Avatar Ahmed Y.
    May 22, 2022
  • Jonah was very patient and helpful in helping me understand what I need for mortgages. Also great interest rates!

    Evan Giese Avatar Evan G.
    July 10, 2024

    It definitely was a team effort from the "Family Mortgage Team". Mark and Joel both helped us through our home search. They always had an answer for us and gave sound advice. They are very accessible and prompt.
    We recommend you talk with them and give "Family Mortgage Team" a chance... read more

    Jamie Davidson Avatar Jamie D.
    December 7, 2021

    Quick, efficient, easy. It was our first home purchase and Family Mortgage Planners made the mortgage side of things as painless as possible—THANK YOU!

    Royal Avatar Royal
    March 18, 2025
  • Mark 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 Oladele Avatar Femi O.
    September 7, 2021

    I greatly value the dedication that Family Mortgage Planners have to their costumers. Whether its newsletters on whats going on in the housing market, tips on finances, prizes to be won, or questions I might have, I always feel connected and a part of their team!

    Thank you for your guidance... read more

    Veronica Gurdian Avatar Veronica G.
    January 7, 2022

    Absolutely thrilled with the service from Family Mortgage Planners! From start to finish, they made the mortgage process smooth and stress-free. Jonah is professional, knowledgeable, and genuinely cares about their clients. He took the time to understand my needs and provided personalized options that worked for me. Communication was clear... read more

    akash nimkar Avatar akash n.
    March 25, 2025
  • I recommend family mortgage planners...they are the best.

    akerele oluwadamilola Avatar akerele o.
    November 10, 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 Schultz Avatar Elise S.
    February 26, 2021

    They were available to answer questions whenever I needed and were creative and flexible in helping us negotiate the best terms possible.

    Julie Hoefling Avatar Julie H.
    May 10, 2024
  • We have used the team at the Family Mortgage Planners for three properties, three refinancing deals and for over 11 years. They care about your needs and find you the best rate available. We highly recommend.

    Jenianne Boyda Avatar Jenianne B.
    March 1, 2022

    I’ve used Joel and Mark 3 times over the last 15 years. Always felt like I was a priority. Very responsive, very thorough. Didn’t even have to step foot in their offices and they got me a mortgage on my own when I was worried... read more

    Sarah Larson Avatar Sarah L.
    June 14, 2023

    If you are looking for a mortgage, then look no further then Mark and Joel. They will treat you like family and will go above and beyond what you would expect. Highly recommend this team!

    Jon Avatar Jon
    October 16, 2021
  • We'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

    Clayton Beniuk Avatar Clayton B.
    November 7, 2021

    These gentleman are the best. They went above and beyond assisting us with all of our mortgage needs. Thank you , I will be advertising your business.

    Beatrice Leek Avatar Beatrice L.
    July 16, 2022

    Mark and Joel were very easy to work with, and always attentive too all of our questions. Both are experienced brokers and had all the answers, and nothing was a surprise to them. Thanks for the all help!

    Calvin Van Laar Avatar Calvin V.
    August 16, 2021
  • Mark 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 Kempe Avatar Josh K.
    August 28, 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 stage and... read more

    Stuart Shelley Avatar Stuart S.
    October 20, 2020

    It 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

    Caroline Hendley Avatar Caroline H.
    August 2, 2022
  • Good service, good advice!

    Monique Andrie Avatar Monique A.
    October 11, 2025

    The team is very efficient and straight forward and very helpful on the process of refinancing my mortgage!I have been recommending them and would continue to do so!

    Melanie Aspiras Avatar Melanie A.
    September 1, 2022

    I met Mark 12 years ago when he helped me purchase my first home with my wife. It went perfectly. Over the years we kept in contact for brief moments, he always treated me with respect and made me feel he is keeping me up to date with relevant... read more

    Stephan Hoess Avatar Stephan H.
    June 10, 2024
  • Joel and Mark have always been incredibly helpful at every stage of my mortgage experience. Family Mortgage Planners will definitely be my mortgage specialists until I own my home outright and I would highly recommend them.

    Jeremiah Aherne Avatar Jeremiah A.
    July 16, 2022

    We purchased our first home with the help and guidance from your team. Always quick to answer emails and phone calls and helped us with any questions we had as new home owners. Will recommend your services to family and friends.

    Bryant Mahar Avatar Bryant M.
    February 21, 2021

    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... read more

    Chase Buhler Avatar Chase B.
    June 14, 2023
  • Very helpful mortgage brokers! They will answer all your questions and will help you with your application from start to finish. Thanks guys!!

    Tricia Jamie Morales Avatar Tricia J.
    November 1, 2022

    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 Strand Avatar Ryley S.
    May 22, 2022

    Mark 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

    Wanda Whitford Avatar Wanda W.
    May 18, 2021