Your Mortgage Broker For Life

As a dedicated mortgage broker with a passion for community, I provide personalized mortgage solutions designed to fit your unique needs.

01

Personalized Guidance

I’ll work with you to find the best fit for your goals.

02

Community Oriented

I’m proud to support local businesses and initiatives.

03

Transparency

No jargon, just clear, straightforward advice.

Here for You—

Every Situation, Every Step of The Way!

I bring a unique blend of experience and a deep love for my community to the mortgage process. My goal isn’t just to help you secure a mortgage—I’m here to support you in becoming a homeowner and staying in that home for the long run. I want to ensure you feel educated, confident, and empowered every step of the way. It’s not just about closing a deal; it’s about building a lasting relationship and helping you maintain the home you love!

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My Services

Purchases

Whether you’re stepping into homeownership for the first time or making a move up the property ladder, I’ll help you find the best mortgage solution.

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Refinancing

Looking to lower your payments or consolidate debt? Refinancing can offer more flexibility, and I'm here to support you throughout the entire process.

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Mortgage Renewals

Your mortgage renewal doesn’t have to be stressful. I’ll make sure you’re still getting the best deal for your needs and keep you informed every step of the way.

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Reverse Mortgages

If you're 55+ and want to access the equity in your home, I’ll explain how reverse mortgages can help give you the financial freedom you deserve.

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Credit Support

Struggling with credit? I’ll walk you through practical steps to improve your score and make homeownership a reality.

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Pre-Approval

Get pre-approved and start your home search with the confidence that you’re in a strong position. Knowing what you can afford makes all the difference.

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Client Testimonials

  • Jenn was recommended to me by my real estate agent for my first home purchase. She walked me threw every step and answered my million questions. She got me an amazing rate and term. She went above and beyond all expectations. I'm glad I was able to use her services and will be sure to do so again in the future. Highly recommended you won't be disappointed.

    —Jason T

  • Jenn was recommended to us from quite a few moms in our local moms group. Working with her was one of the best decisions we could have made when we were buying our first home. She is one of the nicest, patient and knowledgeable people we know. She really took the time to explain everything and answered all of our questions whenever we had them. She truly made this experience stress free and enjoyable. If you're thinking about using her for any of your mortgage needs, you will not be disappointed.

    —Mirella W

  • Jenn Locke is highly highly recommended. She is knowledgeable, efficient and extremely hard working. Her quick and efficient communication, her attention to detail and her willingness to find a solution for our family was beyond impressive. Our situation was unique and required a great deal of hard work and she delivered. She is wonderful to speak with, she made us feel comfortable and confident our finances were in the best hands. Highly recommend Jenn Locke Mortgages

    —Jennifer C

  • Although I’d recommended Jenn to friends for years, I finally worked with her in 2025. I needed to refinance while keeping my father on the deed and securing approval on a single income. Jenn guided me clearly, simplified the process, and worked efficiently within my timeline. The outcome exceeded my expectations. Her updates on the financial climate are easy to understand, and her knowledge, passion, and dedication shine. I highly recommend Jenn for anyone looking to mortgage or refinance a home.

    —Vanessa H

  • I can't speak highly enough of Jenn. It was my first experience renewing my mortgage after the rates had gone up. Not only did Jenn get me the best possible rate she put all my anxiety and fears of this uncertain time to rest. Thank you Jenn for all your hard work and professionalism.

    —Andrea R

  • Jenn was incredible, she really took the time to talk to me about my mortgage options and answer all of my many (many) questions. She helped set my mind at ease during a stressful time and got us set up with a mortgage situation we are happy with. She is kind, patient, and understanding. She also completed everything very quickly and efficiently for us, which was needed in our situation. I highly recommend Jenn.

    —DeeDee A

  • Jenn was recommended to us from quite a few moms in our local moms group. Working with her was one of the best decisions we could have made when we were buying our first home. She is one of the nicest, patient and knowledgeable people we know. She really took the time to explain everything and answered all of our questions whenever we had them. She truly made this experience stress free and enjoyable. If you're thinking about using her for any of your mortgage needs, you will not be disappointed.

    —Mirella W

  • Jenn was amazing to work with. She went above and beyond by teaching me about the market, helping me make decisions based on my current situation, and answering my never ending questions. She responded to e-mails immediately and was able to secure me an amazing rate. She made the entire process easy and completely stress free for me. I would highly recommend Jenn to anyone who is looking for a new mortgage or a renewal.

    —Laurie W

  • Jenn was friendly and efficient. She walked us through every detail of our mortgage. I know we will reach out to her again when needed.

    —Kim S

  • We had the pleasure of working with Jenn Locke for our mortgage renewal, and the experience was exceptional!! Jenn managed the process with grace, professionalism, and a deep understanding of the market. Jenn was not only knowledgeable but also incredibly communicative, ensuring a smooth and stress-free journey. We highly recommend Jenn for anyone seeking top-notch service and a trustworthy professional. A big thanks for a job well done and thank you!

    —Miya S

  • Jenn helped me buy my first home on short notice and did a great job. She went out of her way to help me even when she was on vacation, and was always quick to respond. She treated me with respect and answered all the questions I had, which were many through the process! She was very professional and found me a good mortgage price. I will definitely use her in future and recommend her to friends buying their first place.

    —Naomi L

  • So glad we reached out to Jenn when it came to the search for our first home . She made us feel comfortable right away and could really trust her to help us with anything we needed or had questions about regarding mortgages and home ownership . Super knowledgeable and friendly , was a pleasure to work with highly recommend!

    —Jeff W

  • Jenn has been so helpful! My partner and I have been looking for creative solutions to reach our financial goals and Jenn has delivered. She works hard for her clients - does the due diligence required and presents all of the options in an easy to understand way. She is responsive and has worked around our busy schedule. I would highly recommend working with her!

    —Kathleen K

  • Jenn was recommended to us by family, and she was the most helpful part of our experience as first time home buyers. We purchased our home through a private sale, and really feel like Jenn went above and beyond in helping us understand the process of not only securing a mortgage, but also buying our home. Jenn was patient with us with all of questions, and was very responsive and always available to us. I would recommend Jenn to anyone, we loved working with her!

    —Jodi K

  • I have been working with Jenn for nearly 10 years over multiple properties and multiple transactions . Jenn is relationship focused , knowledgeable and always able to get it done ! I happily refer any of my colleagues , family or friends to Jenn whenever I can . I look forward to many years of continuing to work together!

    —Dan C

  • Don't go anywhere else! Jenn is knowledgeable, approachable and realistic. She explains options thoroughly and answers all of our questions patiently. We are so happy with the work Jenn has done for us and can't say enough good things about her!

    —Amanda S

  • Jenn is the most patient expert at explaining all issues involved in transferring a mortgage . She made me comfortable and confident that I made the right decision in contacting her. I am thankful.

    —Victoria E

  • We were so happy with Jenn’s efficiency, professionalism, and knowledge while dealing with our mortgage needs. We would 100% recommend her! I have worked in real estate and with dozens of mortgage brokers and have never been more impressed! Thank you Jenn!!

    —Crystal O

  • No sense looking any further for a broker. Jenn is an absolute wizard at what she does. She was able to do for us in our refinancing what we never expected in our wildest scenarios. All while being incredibly patient and delightful through the whole process. Never has a 5-star review been more deserving. I'd give her a 10-star if it would let me! You will not be disappointed.

    —Mike L

  • Our experience working with Jenn was easy, and stress free. Jenn was prompt with answering any of our phone calls or emails, and made sure to get us answers as quick as possible. Highly recommend!

    —Brittany S

  • We met with Jenn to re-mortgage our home. We enjoyed being able to meet with her face-to-face. Jenn was there for us every step of the way. She was very knowledgeable and able to facilitate the process in a timely manner. Thank you Jenn!

    —Pamela H

  • We had a fantastic experience working with Jenn as our mortgage broker. From the very beginning, she made us feel supported and prioritized. We first met with her to understand what it would take to qualify for a mortgage, and when the time finally came, she was right there to walk us through every step of the process. Jenn is incredibly responsive, always timely with her communication, and made sure we felt taken care of throughout the entire journey. She’s not only knowledgeable and professional, but also genuinely lovely to work with. We felt confident and well-informed thanks to her guidance. We would highly recommend Jenn to anyone looking for mortgage support! Thank you Jenn!

    —Hannah and Jasmine

  • Jenn knows her stuff, very professional easy to deal with, great communication, quick to answer questions.. Great experience all around Definitely recommend her

    —Chris R

  • We contacted Jenn to help us review our mortgage options for our first renewal period. Jenn helped us evaluate available lenders and find the best fit for us. She was in constant communication with us and provided timely updates. The whole process when smooth and was stress free. We look forward to working with her again in the future. We are happy to recommend her services!

    —Emily M

  • My experience with Jenn was truly exceptional. Jenn patiently took her time to educate me through my many questions, and carefully clarify all the technical mortgage wording/terms. Throughout the journey she was personable, responsive, and worked hard to find me an amazing rate. I especially appreciate this as someone who went full time self-employed only a year before my application, and needed a lot of proof to prove to lenders I was a worthy borrower. I wasn't sure if I'd be able to do it, but Jenn manage to pull it off. I am truly grateful for her sharing her wisdom and calm reassurance with me throughout my journey. I highly recommend you choose Jenn as your Broker. You won't regret it.

    —Andrew R

  • In our house buying experience Jenn was very understanding to our situation, and very knowledgeable in how to best achieve our goals. She was very patient, and thorough in all aspects of home buying . I would recommend her to anyone looking to to purchase a home, or even to plan long term to achieve home ownership.

    —Bert K

  • Jenn is an incredibly diligent, knowledgeable, and friendly industry professional. She takes the time to listen and understand the needs and concerns of our clients and provides personalized mortgage options that are tailored to their financial situation. Jenn is able to explain complex mortgage terms in easy to understand language which makes the mortgage process much easier for those who aren't well versed in real estate finance. She is patient and understanding and provides a seamless and stress-free experience for those who are purchasing real estate. As a real estate professional with Claire & Greg Real Estate Group, I rely on mortgage professionals to work with our clients and provide top notch service while ensuring that the financing piece to every real estate transaction we are involved in, is taken care of. Jenn is our trusted, go to Mortgage Broker. I would highly recommend Jenn Locke Mortgages to anyone looking for a reliable and trustworthy mortgage broker. Her exceptional service and attention to detail continue to exceed our clients expectations, and I am grateful for all that Jenn has done for us!

    —Greg B

  • Very approachable. Extremely helpful and knowledgeable. I won’t go with anyone else.

    —Angela P

  • Jenn is so knowledgeable and dedicated. She is helpful and passionate about providing professional service as she guides us in all things home ownership and mortgage financing. Jenn takes the time with each one of her clients to tailor services to meet their needs.

    —Laura May C

  • She is a rock star. She goes above and beyond what a mortgage broker should. She responds quickly and well after business hours. I will NEVER use anyone other then Jenn! You made my dream of owning our home possible, after renting and moving 3 times in 3 years. You did that!!!!!

    —Mellissa M

  • Not enough words can express how thankful we are for the BIG help that she has given to us TWICE! She has been there all throughout the process which made it super-easy for us and answers all our questions very clearly. We will forever be indebted to all her efforts in buying and updating our house. God bless you always Jenn.

    —Filli S

  • Jenn has been an absolute pleasure to work with! She has helped us every step of the way, honestly can't think of any complaints. Her prices are very reasonable as well.

    —Dan T

  • Where to even start, Calling Jenn was one of the smartest decisions I've made. Jenn made the whole mortgage experience a positive one, from start to finish you couldn't ask for anything more. I will forever recommend Jenn. Thank you for everything Jenn

    —Jordan A

  • This is my second time working with Jenn for my mortgage needs. The first time she saved me from a disastrous situation caused by CIBC which nearly cost me purchase. She's always friendly, responsive and professional.

    —Andre G

  • Jenn was nothing less than a lifesaver!! I was a new homebuyer with very little to no experience.... From the moment we started to work together she listened, she knew how to make me feel heard, validate any question no matter how small or basic it was... I ran through the process with confidence and trust with each step... More importantly at the very last minute of the deal I found out the bank did not advise me correctly or prepare me... Jenn stepped right in and trouble shooted for me and got me the deal I originally wanted when it seems that I had hit a wall... To say that Jenn will be your trusted advocate is an understatement.... she made me feel that my mortgage was her mortgage... that my funds were her funds... No matter where the next mortgage I get next... one thing that I am 100% certain of is that Jenn will be my lending advisor... and probably coach as well:)

    —Gina I

  • Jenn was recommended to us by family, and she was the most helpful part of our experience as first time home buyers. We purchased our home through a private sale, and really feel like Jenn went above and beyond in helping us understand the process of not only securing a mortgage, but also buying our home. Jenn was patient with us with all of questions, and was very responsive and always available to us. I would recommend Jenn to anyone, we loved working with her!

    —Jodi K

  • I used Jenn's services again for a mortgage on our new property. As the first time she was responsive and quite professional. Was a pleasure doing business with her. Will use her again in the future.

    —Paul S

  • Jenn was unbelievable! Not only was she available for all our questions big or small. If we were unsure or didn't know something she took the time to explain it to us. Extremely professional and personable! Jenn deserves more than a 5 star rating.

    —Joyce A

  • I highly recommend working with Jenn! She was incredibly knowledgeable and very responsive. I was very grateful to have her support throughout my process as things would have been very complicated without her knowledge and attention to detail. I also have friends that have worked with Jenn and they also share a very similar experience. If you are looking for a firm that has what it takes to get your mortgage process completed efficiently and professionally with your best interest in mind along the way, I can say with complete confidence I would recommend Jenn Locke! Thanks Jenn!!

    —Jay B

  • Great experience working with Jenn as she took the time to assist, explain and advise where and when needed. I would recommend her services to all as she is professional and knowledgeable and quick to respond. Thank You! 🙏

    —Mark G

  • Jenn takes the time to explain mortgage options and works to save her clients money. She responds quickly to queries. Very professional and helpful demeanour.

    —Wayne P

  • Jenn Locke Mortgages has been so helpful! My partner and I have been looking for creative solutions to reach our financial goals and Jenn has delivered. She works hard for her clients - does the due diligence required and presents all of the options in an easy to understand way. She is responsive and has worked around our busy schedule. I would highly recommend working with her!

    —Kathleen K

  • Jenn is awesome, she won't leave you hanging, she is always in contact and she doesn't forget about you once she has your business.

    —Randy P

Get to Know Me—

Hi, I’m Jenn!

Hi, I’m Jenn Locke—your local community Mortgage Broker. I’m passionate about helping people become homeowners, stay in their homes, and make their equity work for them in meaningful ways. I live in Fergus with my husband Steve, our daughter Yasmine, and our lovable Havanese pup, Lucky.

I'm proud to be ranked in the top 10% of Mortgage Brokers in Canada. My mission is to educate and empower my clients so they can make informed decisions with confidence. I approach every mortgage with integrity, offering tailored solutions across the full spectrum—from Prime Bank and Alternative/B financing to Private, Commercial, Construction, and Agricultural lending.

Community is at the heart of everything I do. I host an annual Autumn Porch Pick-Up Food Drive, volunteer with the CW Children’s Drama Club and the Elora-Fergus Ringette Association, and I’m proud to serve as a Rotarian.

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When it comes to securing a mortgage, working with a broker like me gives you more options, personalized advice, and the flexibility to make choices that best fit your unique needs. Unlike a bank, I’m not limited to a single lender or product. I can shop around for you, find the best rates, and guide you through the process from start to finish—all while offering a level of care and support you won’t always get with a big bank. Here’s why working with me is the better choice:

Why Work With Me vs. A Bank?

Access to 143+ Lenders

I’m not tied to one lender. With access to over 143 lenders, including banks, credit unions, and private lenders, I can find the best mortgage options that work for you—no matter your situation.

Peace of Mind

I don’t work the traditional 9-5 schedule. Whether it’s evening or weekend, I’m available when you need me, ensuring the process moves as quickly and smoothly as possible.

Speed & Convenience

I’m passionate about helping people become homeowners and stay in their homes. I’ll be there for you long after the paperwork is signed, providing ongoing support and peace of mind throughout your homeownership journey.

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Start Your Path To Mortgage Success!

Your homeownership journey doesn’t have to be complicated. With personalized advice and a full range of mortgage services, I’ll help you make the right decisions for your future—no matter where you’re starting from!

01

Guidance

Whether you’re approaching mortgage maturity or exploring options, I’ll help you navigate your next steps with clarity and confidence.

02

Options

Everyone’s financial situation is unique. Together, we’ll explore a variety of flexible options to find the perfect mortgage solution that aligns with your goals and budget.

03

Clarity

You won’t be left in the dark. I prioritize open, clear communication, so you’ll always understand where you stand throughout the entire process.

04

Support

My commitment to you doesn’t end after your mortgage closes. I’m here for you long-term, providing guidance and support as your needs evolve.

Let’s Talk About Your Mortgage Needs

I’d love to discuss your goals and how we can make them happen. Whether you’re nearing mortgage maturity or exploring new options, I’m here to help. If you’re unsure about anything—whether it’s your next steps or what options are available—I’m just a phone call or email away. Let’s chat and make your goals a reality!

Get in touch