Mortgage Planning for People Who Want to Be Prepared

Understand your mortgage before you find your home.

I’m Jim Sicotte, an Edmonton-area mortgage planner with Polaris Mortgage Planners at Indi Mortgage.

At Polaris, we help people understand their mortgage options, get prepared for home ownership and make informed decisions about one of the largest financial commitments they will make.

I particularly enjoy working with people who want to figure things out before they start shopping for a home.

Before you start looking at houses, let's figure out the mortgage.

The home-buying process can move quickly once you find the right property. That's why I believe the best time to talk about your mortgage is before you start seriously shopping.

We'll look at your situation, talk about what you can comfortably afford, explain how the process works and go over what you should know before you make an offer. When the right home comes along, you're not trying to figure everything out at once. You're prepared.

I enjoy working with prepared, engaged clients.

The people I particularly enjoy helping want to understand the process. They ask questions, want to know their options and take an active role in their decisions before they make an offer. If that's how you approach a big financial decision, we'll probably work well together.

Your Realtor and I work as a team.

Buying a home is a team effort. I believe your mortgage planner and your Realtor should talk to each other and work together, so everyone is focused on helping you make a well-informed decision.

See who we help →

Your mortgage is about more than the interest rate.

The rate matters, but it isn't the only thing that matters. When comparing mortgage options, we look at the bigger picture with you, including:

• Mortgage terms

• Prepayment privileges

• Penalties

• Portability

• Lender restrictions

• Payment options

• How the mortgage fits with your plans

A low rate can look attractive today, but the details matter if you sell, refinance, make a large prepayment or change your plans during the term. Our job is to help you understand those trade-offs before you choose.

See how we plan mortgages, step by step →

My approach is simple: educate first, decide together.

I don't believe you should be pressured into a mortgage you don't understand. I'll explain your options in plain language, answer your questions and walk you through the pros and cons of each choice.

You stay in control of the decision. My role is to give you the information and perspective to make it with confidence.

Mortgage Planners for Life

At Polaris Mortgage Planners, our relationship doesn't end when your mortgage funds. We want to be the team you call with a mortgage question, whether you're buying your first home, moving to your next one, thinking about a refinance or wondering if your current mortgage still makes sense.

It starts with getting prepared before you shop, continues when you're ready to make an offer, and carries on as your finances and plans change. That's why we call it mortgage planning, not just finding a mortgage.

Ready to get started?

You don't need to have a house picked out. In fact, I often prefer that you don't.

If you're thinking about buying a home, let's talk before you start shopping. We'll figure out where you stand, answer your questions and put a plan together, so when you're ready to look at homes, you'll know what you're looking for and what you can afford.

Let's figure out the mortgage before you start shopping.

The calculator gives a quick estimate only. When you’re ready, our team will review your numbers and paperwork properly, since lenders’ policies vary and the details matter. You can start your application online any time, or contact us to talk first.

Learn before you shop

Plain-language resources we share with clients every day.