We organize the details, communicate openly, and guide you through each stage of the mortgage process — with clear expectations throughout.
After you submit an application, we start with a conversation. We take the time to understand what you’re looking to do and where you’re at. Nothing is assumed.
From there, we outline exactly what’s needed to put options together and request the required documents. Once everything is received, we’ll review and follow up with any clarifying questions.
We then build a clear plan that outlines your options, key considerations, and next steps. When other professionals are involved - including realtors, lawyers or accountants - we work directly with them. This way communication is streamlined and you don’t have to coordinate everything your self.
What working together looks like
Hi, I’m Joanna. With 10 years of experience in the mortgage industry, working directly with clients across purchases, refinances, and renewals, my focus is simple: helping clients feel clear and confident as they navigate an important financial decision.
My role is to bring structure and clarity to the mortgage process. I organize information, explain trade-offs, and walk clients through their options in a way that’s calm, clear, and easy to follow - helping evaluate incentives, constraints, and long-term implications. I’m intentional about outlining next steps and expectations, with timelines and key deadlines clearly communicated as the process moves forward.
The goal is clarity and confidence - for your decision to feel informed, grounded, and well understood.
Ready to move forward?
What you get long term
We start by setting up a mortgage that’s clear, well-structured, and aligned with how you plan to live - not just today, but over the next several years.
From there, the value is in continuity. As your income changes, life evolves, or opportunities come up, we revisit decisions, adjust structure, and refine strategy so your mortgage continues to support what you’re building and where you’re headed.
This approach is designed to give you confidence over time, not just at the moment you get approved.
Advanced Strategies
These aren’t starting points. They’re tools we layer in once the foundation is solid —stable income, predictable cash flow, and a strong understanding of how your mortgage works.
For clients who work with me long-term, this is the added layer — not for most people, and not all at once. These strategies are for a small group of people who think beyond the basics and are intentional with their decisions. They’re only used when they clearly serve the client and the situation - not simply because they exist.
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This focuses on shortening the life of the mortgage through intentional structuring and prepayment strategies, rather than relying on willpower or one-off decisions. Small, repeatable changes compound over time, significantly reducing the total interest paid and shortening the over all mortgage timeline.
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This approach uses your income flow to reduce interest more efficiently by directing money through the mortgage as soon as it’s earned. It works best for people with predictable cash flow, who want their money working immediately, not sitting idle.
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This strategy restructures cash flow to accelerate the reduction of non-deductible debt, with tax considerations built into the structure.
Additional strategies, where appropriate to a client’s situation, may be introduced over time.
Frequently Asked Questions
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Ideally, you have steady employment and a down payment amount in mind — whether that’s from savings or a confirmed gift. You don’t need everything finalized, but the core pieces should be in place to determine what you qualify for. Reaching out early allows for thoughtful planning, rather than having to make quick calls under pressure.
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To get started, you’ll complete an application and provide income documents for review.
For most employed clients, this typically includes:
An employment letter
A recent pay stub
If you’re self employed, I’ll usually ask for:
Two years of tax returns
Additional documentation will be requested at a later date as part of the process, but this is what’s required to begin.
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Once I’ve reviewed your application and supporting documents, I’ll outline the maximum purchase price you qualify for based on the information provided. This sets a range a lender is willing to consider — not what you’re expected to spend.
I review the monthly payment to make sure it feels manageable. The goal is clarity; you know what you’re committing to and can move forward feeling confident in the decision you’re making.
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Clients who value clarity and structure tend to benefit most from working with me. You don’t need to have everything planned out, but being open to understanding your options and the trade-offs involved, makes the process easier to navigate. My focus is on providing clear guidance so you can make a decision with confidence.
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Once your mortgage is in place, I remain a point of contact as questions come up or circumstances change. That may be at renewal, before a move, when you’re considering adjustments to your mortgage, or when you’re thinking about changes to your home. The goal is continuity, not a one-time decision made in isolation.
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Refinancing is often considered when something has changed since the original mortgage was put in place. That can include consolidating higher-interest debts, funding education, or accessing equity already built into the home for a renovation or for investments.
Let’s Work Together
If you’re exploring a purchase, refinance, or have any questions, you can start with a conversation or move directly to the application.
Get In Touch
Ready To Move Forward?
Mortgage services provided by Joanna Sikorski | BCFSA#: 502987
Licensed mortgage professional with Verico Paragon MortgagePal Inc. DBA MortgagePal Inc.