First-time buyers
Get pre-approved fast, lock a low rate, and shop with confidence. Short on down payment? Ask about flex-down options, gifted down payments, and the RRSP Home Buyers' Plan.
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Grande Prairie's trusted mortgage team
We work for you, not the banks.
First home, renewal, or refinance — Jodi Whalen and her team get you pre-approved in one 20-minute phone call, with 10+ lenders competing to win your rate.
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Phone pre-approval
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Lenders competing
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Evenings & weekends
We work for you, not the banks!
Jodi Whalen
Owner & Mortgage Broker — Whalen Mortgages
Call Jodi now
Rate watch — updated June 11, 2026
Lock your rate free for up to 120 days.
These are the preferred rates our lenders are competing with right now. If rates drop before you close, we simply request the drop — you always get the lower one.
1 yr fixed
4.54%
2 yr fixed
4.09%
3 yr fixed
4.09%
4 yr fixed
4.24%
Most popular
5 yr fixed
4.09%
10 yr fixed
5.24%
5 yr variable
3.55%
Rates as of June 11, 2026. On approved credit; subject to change without notice. Your rate depends on your file — call and we'll quote it straight.
Lock my rate
Payment calculator
See your payment before you call.
Slide the numbers around — the math updates live using Canadian semi-annual compounding, the same way your lender calculates it.
Estimated monthly payment
$2,151 /mo
Mortgage amount$405,000
Accelerated bi-weekly$1,076
Interest over amortization$240,272
Principal and interest only — excludes property tax, insurance, and CMHC premium if under 20% down. On approved credit.
Get this rate — call Jodi
What we do
Three ways we put money back in your pocket.
When the banks say no, we say yes. Every file gets a broker who fights for it — with the lender, and with the insurer if we disagree with their call.
Renewals & transfers
Don't sign your bank's first offer. We lock your renewal rate up to 120 days out, and because nothing funds until renewal day, there's no penalty to switch lenders.
Beat my bank's offer →Refinance & debt consolidation
Pull equity out for renovations, investments, or to roll high-interest debt into one lower payment. We get you the money you need at the rate you want.
Run my numbers →We also arrange
100% financing
Acreage mortgages
Construction mortgages
Purchase plus improvements
Condo mortgages
Mobile home mortgages
Cabin & vacation homes
Land mortgages
Lines of credit
Rental properties
RRSP Home Buyers' Plan
How it works
From first call to keys, in three steps.
One 20-minute call
We take your application over the phone, around your schedule — evenings and weekends included. No branch visits, no waiting for callbacks.
Shop with confidence
You're pre-approved with your rate held up to 120 days. We make lenders compete, then walk you through each offer's real terms — penalties included.
We fight the file through
Found the home? We handle the underwriting, the documents, and the lender — and we push back when we disagree with a decision. You get the keys.
Get matched in 30 seconds
Tell us where you're at. We'll point you the right way.
Answer two quick questions and get a straight recommendation — no forms, no email required.
Whalen Mortgage Guide
Jodi's team answers evenings & weekends
Why a local broker
We know how Grande Prairie gets paid.
Big-bank underwriters in Toronto don't always understand a northern Alberta paystub. We do — and so do our lenders.
I run my business off referrals and end up establishing friendships with my clients. I work with honesty, transparency and kindness — this is the foundation of how I operate my business.
Jodi Whalen
Owner & Mortgage Broker, Whalen Mortgages
Oilfield income, qualified properly
Bonuses, shift differentials, built-in overtime, living allowances — we know which lenders count them and what documents prove them, so you qualify for the full amount.
Employer housing programs
Many Grande Prairie employers offer mortgage subsidies, living-out allowances, or down payment help. We work with lenders who support these programs every day.
Acreages and rural properties
Septic systems, holding tanks, water wells — rural files have extra requirements, and we know exactly what each lender needs to approve them.
Licensed across Canada
Based in Grande Prairie, licensed everywhere. Buying in another city or province while you work here? We handle that too.
10+ lenders competing for your mortgage
- MCAP
- CMLS
- Equitable Bank
- RMG
- RFA Mortgage
- Lendwise
Raving client reviews
A business built on referrals.
We thought buying a house wasn't going to be an option for a few more years — with Jodi's knowledge and direction we were in our own home within 90 days. Excellent service and a delightful person to work with.
My wife and I have used Jodi for two mortgages — both times she was knowledgeable, organized, and quick to resolve any issues. Anyone looking for a hassle-free approval should contact Jodi.
After another broker and a bank wanted me locked into a contract, Jodi reassured me there was no obligation. I got the best rate and product out there — after all the stress, she made it feel like a breeze.
As a realtor I've worked with a lot of mortgage professionals, and Jodi by far exceeds my expectations. Her approval time is the fastest I have ever seen. When clients struggle to get a mortgage, she gets the deal done.
Straight answers
Mortgage questions, answered honestly.
How much down payment do I actually need?
As little as 5% if the home will be your primary residence — even if it's not your first purchase. Vacation or second homes start at 10% down, and rental properties require a minimum of 20%.
Are there still 0% down mortgages?
True 0% down mortgages no longer exist, but there are workarounds: flex-down products that let you borrow the down payment, cash-back mortgages, gifted down payments from immediate family, or refinancing a home you already own to fund the new one. We'll tell you honestly which makes sense for your file.
I'm a first-time buyer. Can I use my RRSP?
Yes — the Home Buyers' Plan lets you withdraw from your RRSP for a down payment without paying tax. And if you've previously owned, repaid the plan, and haven't owned a home in the last few years, you may qualify to use it again.
Can I turn my current house into a rental and buy a new one?
Yes. Rental income can offset your existing mortgage debt so you qualify for the new home with as little as 5% down. Every lender treats rental offsets differently — we'll point you to the one with the best policy for your situation.
My renewal is coming up. When should I call?
Up to 120 days before your renewal date. We lock a rate immediately, and since your new mortgage doesn't fund until renewal day, there's no penalty to leave your current lender. If rates drop before then, we request the drop.
Why use a broker instead of my bank?
Your bank offers you its products. We make 10+ lenders compete and explain the fine print they don't — like how one lender's penalty on a $400,000 mortgage can run $20,000 while another's is $4,000 for breaking the same term. The lowest rate isn't always the best mortgage; we make sure you understand both before you sign. And our service costs you nothing — lenders pay us.
Ready when you are
Twenty minutes from now, you could be pre-approved.
Call now or start the express application — Jodi and the team answer evenings and weekends, because that's when life happens.
Prefer email? jodi@whalenmortgages.com