Mortgage Refinancing

Your mortgage needs can change—and your options should, too. Whether you're looking to reduce your rate, access equity, or better align your mortgage with your life today, refinancing can be a smart and strategic move.

Smart Strategy, Real Results

Refinancing isn’t just about a better rate—it’s about aligning your mortgage with your life today. Whether it’s debt consolidation, accessing equity, or adjusting your term, I’ll guide you through the options with clarity.

This is for you if:

  • You’re nearing maturity on your current mortgage and need next steps.

  • You need flexibility, whether it’s lowering your payments, accessing equity, and more.

Options

Access over 143 lenders to find a refinancing solution that’s tailored to your needs—not just the default offer.

Clarity

I break down the process in simple terms so you always know what to expect and how it supports your goals.

Support

I’m not just here for the paperwork—I’m here to be your long-term partner through every season of homeownership.

More Than A Rate—

Make Your Financial Future Count

Mortgage refinancing can be a powerful way to create more financial freedom—when it’s done with care and strategy. Whether you're looking to manage debt, secure a better rate, or adjust your mortgage terms, I’ll help you explore the options that make the most sense for your life today and your goals for tomorrow.

With access to a wide network of lenders and a focus on personalized advice, I’ll ensure you're never limited to a one-size-fits-all solution. Even if your mortgage isn’t up for renewal, we’ll review whether refinancing now could benefit you!

Connect with Jenn

The Process: How We Work Together

Mortgage refinancing isn’t one-size-fits-all. Here’s how we’ll work together to make sure the process is smooth, strategic, and successful:

01.

Initial Chat

We’ll talk about your current mortgage, financial goals, and what you’re hoping to change.

02.

Review Options

I’ll research and present personalized refinancing solutions that fit your needs.

03.

Run the Numbers

We’ll look at the potential savings, penalties, and long-term benefits so you can make an informed choice.

04.

Submit Application

Once you decide to move forward, I’ll take care of the paperwork and liaise with the lender.

05.

Ongoing Support

After the deal is done, I’ll stay in touch to make sure your mortgage continues to support your goals.

Your Mortgage Should Grow With You!

LET’S TALK STRATEGY

Your mortgage should grow with you—and refinancing can help make that happen. If you’re curious about your options or want to know whether refinancing makes sense for you, let’s chat. There’s no pressure—just honest advice, real solutions, and someone in your corner.

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

  • 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

  • Jen 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