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 and Alberta Licensed Mortgage Broker 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.
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.
Mortgage solutions
Buying, renewing, refinancing or something in between: see the mortgage solutions we help with, and how we look beyond the rate.
Education Center
Plain-language guides to mortgage terms, penalties, prepayment privileges, rate types and more, so you can ask better questions before you choose.
Mortgage Documentation Guide
Getting your paperwork together early is part of being prepared. See the documents lenders usually ask for, with examples.
Communities we serve
Based in Edmonton, we help clients across the Edmonton area, including St. Albert, Sherwood Park, Spruce Grove, Stony Plain, Leduc, Beaumont, Devon, Calmar, Morinville, Ardrossan, Tofield and Camrose.
What clients say
“We were first time homebuyers and had dozens of basic questions. He spent a great deal of time answering those questions and making sure we understood all the choices we were making. We so appreciate his guidance from start to finish.”
— Colleen K., Google review
“Jim was excellent and patient with us in answering all our questions, and giving us a great education into renting, buying and mortgages. We went from knowing a little, to much. Jim gave us the info to be able to decide to buy and then he helped us through the whole finding a mortgager and setting everything up for us.”
— Thaine O., Google review
“He took the time to answer my endless questions, with patience, and ensured we understood what was happening every step of the way. This is the second mortgage we have worked with Jim and I would recommend him every single time!”
— Renee S., Google review
“Jim is very knowledgeable and can explain different mortgages types in simple terms with its advantage or disadvantages. He is as well great source of information.”
— Rastislav Z., Google review
“Jim has helped us with two renewals on our mortgage and in both instances he was able to acquire a rate significantly lower that the renewal rate offered by our previous lender. He kept us informed of the status of the renewal and always let us know the next steps in the process.”
— Mark B., Google review
Rated 5.0 from 129 Google reviews. Read all our Google reviews